Many Russian banks offer card-to-card transfers. To do this, you don’t even have to be their client; sometimes it’s enough to enter your card details and the recipient’s card number on the website, indicate the required amount - and the money will be transferred instantly. This method of money transfers is convenient not only for collecting money for a gift or helping relatives; it is used by freelancers, tutors and landlords. Do the tax authorities monitor these transactions and when do banks report such transfers?

It is often necessary to transfer money from card to card. Typically, this need arises among people who go to another city to earn money and want to give rubles to their relatives. In the old days, this was done through the conductors on the train. Now there is civilization, digitalization and blockchain. The old methods no longer work. Now everything is simpler: you press a button on the computer and your rubles end up with another person.

According to the law, if a person receives income, they must pay taxes. Not everyone does this. I don’t want to part with money and people hope that no one will find out anything. This happens, but not always.

Recently, there has been a myth circulating on the Internet that from July 1, 2018, transferring money from card to card will be subject to the attention of the tax authorities and that now tax will be automatically deducted for each transfer amount.

And this is as much as 13%. Allegedly, credit organizations will be required to report to the tax authorities about each income. And she gives the task to write off taxes.

“We have no information about the state’s intentions to change the regulation of personal payments,” confirmed Sberbank head German Gref.

Transactions in an amount equal to or exceeding 600 thousand rubles (or the same amount in foreign currency) are subject to mandatory control by financial monitoring authorities.

When transferring from card to card or to the account of a Sberbank client, as well as a client of another bank, the maximum transfer amount per day will be

1. 100,000 rubles if the operation is confirmed via SMS sent to the phone number.
2. 500,000 rubles, if the operation is confirmed through the Sberbank contact center. To confirm, the call center operator will need to provide the code word and his personal data.
3. When making payments to accounts in any electronic systems (for example, Qiwi, Yandex Money, Webmoney, etc.) or the largest mobile operators (Megafon, MTS, Beeline, Tele 2), the daily transfer limit will be 10,000 rubles.
4. For transfers made from deposit accounts to Sberbank social cards, a daily limit of 1,000,000 rubles has been established. Moreover, only 2 such transactions can be made per day.
5. For international transfers through the Sberbank Online system, there is a restriction - transfers of no more than 5,000 US dollars per day. Currency conversion into rubles is carried out at the current Sberbank exchange rate. If the transfer was made for a large amount, then title documents may be legally requested for funds exceeding the limit.
6. For one transaction when transferring money from a card to a card of another bank, you can transfer no more than 30,000 rubles. That is, if you need to transfer, for example, 100,000 rubles to a third-party bank card, you will have to make 4 transactions (three times for 30,000 rubles and once for 10,000 rubles).

According to the tax code, banks are required to report individual accounts

In addition, banks are required to report within three days the opening and closing of accounts and deposits by individuals, the movement of funds upon a reasoned request, that is, upon a special request from the tax authority. According to the Tax Code, upon receipt of such information, the tax service may organize an audit of tax payments.

However, in practice, it is quite difficult to organize control over the movements of funds in the accounts of individuals, and it is even more difficult to prove their origin.

According to the Tax Code, local inspectorates can request information from banks about the accounts of individuals who are not individual entrepreneurs only with the consent of the head of a higher tax authority, the head of the Federal Tax Service or his deputy - in cases of conducting tax audits in relation to these citizens.

The tax authority cannot block an account without sufficient grounds. However, if there is a suspicion that the owner of the account or card is engaged in tax evasion, then materials about this can be transferred to law enforcement agencies to establish the fact of illegal business activity. But, again, collecting evidence requires very complex and painstaking work, so in practice the tax authorities prefer not to initiate audits for relatively small amounts.

Tax levied on the income of individuals from transfers to a card

More and more people are using card transfers to pay for rented housing, the services of tutors, freelancers, private masters or home service personnel and other needs. But citizens who are recipients of this money (according to tax law, these amounts are income) for various reasons do not always pay taxes on it. In general, these amounts, like wages, should be subject to personal income tax (NDFL) at a rate of 13% if the recipient is a tax resident (stayed in Russia for more than six months), and 30% if not a resident.

The Federal Tax Service (FTS) responded that “tax authorities do not conduct a complete (mass) check of all individuals for receipt of undeclared income on bank cards.” According to lawyers, for now this can happen rather by accident, for example during a tax audit of the sender of funds. The Federal Tax Service warned that it has the right to conduct checks on the correctness of personal income tax payment by an individual.

In addition, “information about the flow of funds in the taxpayer’s account does not constitute unconditional evidence of receipt of income by the taxpayer. And a bank statement on the flow of funds on a current account cannot serve as sufficient evidence to establish the fact of transactions for the sale of goods or services,” the service says.

Card replenishment may be necessary for both debit card holders and credit card holders with a credit limit of borrowed funds.

The methods for replenishing a Sberbank card in both cases will be identical; the operation is carried out according to the standard algorithm and according to the bank’s tariffs (which you need to pay special attention to so as not to overpay).

If necessary, the procedure can be performed using any of the available methods:

• by contacting the cashier;
• at any ATM equipped with a bill acceptor;
• using a terminal;
• via mobile phone;
• at a cash register, terminal or ATM of any other third-party financial institution;
• at the post office.

Traditionally, citizens most often use the first three options, since they are convenient, require minimal time for replenishment and there is no need to overpay a commission for using ATMs of third-party banks.

Deadlines for crediting money

There are many options for how to deposit money onto a Sberbank card, and the term for crediting funds when using each of them will also vary. So on average, the amount goes through the cash register in 1-2 working days, in rare cases the period extends to 3-5 working days.

Replenishing through an ATM is convenient by depositing money almost instantly, the same is true with the terminal, the transfer period through which is only a couple of hours.

In most cases, you need to have your own plastic card with you; you will only need your passport when replenishing your account at the bank cash desk. If there is a question about topping up a third party’s card, you will also need the recipient’s plastic details.

The details of the recipient bank are an important thing that may be needed if you decide to top up your Sberbank card account through a third-party bank. To get them, just go to the branch and ask the operator to give you the necessary information.

We use an ATM. How to top up your own and someone else's cards?

Replenishing your account through Sberbank ATMs is carried out without commission, which is especially important for clients who do this often and transfer large amounts to their balance.

You will be able to deposit cash onto your Sberbank card via an ATM if you follow this scheme:

1. insert the card into the receiver and enter your PIN code on the buttons;
2. from the main menu, use the buttons to go to the cash transactions section, where you click on “Card replenishment”;
3. then just look carefully at the screen and use the prompts that appear on it;
4. you will be asked to deposit money into the bill acceptor one bill at a time;
5. When you reach the required amount, you should click ready and check the information on the screen: how much money will be credited to your balance (this point will be especially relevant if you are using a third-party ATM). In this case, the screen will also show information about the amount of commission charged. We recommend checking its size before you deposit money;
6. then click on “Print a receipt”, which it is advisable to save until the processing of the transaction is completed.

In this case, it is not at all necessary to have a card with you. There is no need to be scared or panic; the operation can be easily performed even if the plastic is lying at home.

In the main menu, you can immediately select “Operations without a card”, where you can also find the replenishment button. But you will need to know the plastic number by heart or ask one of your relatives to find your card at home and dictate 16 digits to you. Then we simply deposit the banknotes, receive a check and wait for the amount to be credited to the account.

But there are other options for depositing cash on a Sberbank card. For comparison, let’s look at what the algorithm of actions will look like if a top-up is required for someone else’s card.

You will need your own plastic, money and the recipient’s card details, otherwise the transfer is carried out in exactly the same way as in the case described above.

If you plan to top up not from your card account, then you will have to look for an ATM with a cash acceptance option; the money must be deposited into the bill acceptor immediately after you enter the recipient’s card number and verify the information.

As you can see, there are no difficulties, even if the plastic is left at home, but you still need to replenish it. The main thing is to approach the task wisely and if you have any questions, immediately call the Sberbank hotline.

Replenishment via cash desk at a bank branch

If you need to deposit cash into your account and the option of a non-cash transfer remotely is not considered at all, a cashier at a bank branch will come to the rescue. You must have a passport with you and know the details of the card on which you need to transfer money. And of course you need cash.

The obvious disadvantage of this method is that you have to wait in line and waste your time visiting a branch whose opening hours are limited. But the payment is guaranteed to be credited to your balance; the possibility of incorrectly entering card details is virtually eliminated.

If you need to top up your credit card in order to cover your monthly required payment, you should remember that you can deposit a slightly larger amount into your balance.

There will be no sanctions for this, the money will be safe in any case, but in this way the card holder will protect himself from possible delay.

Online transfers to a card

Since the article is about how to deposit cash on a Sberbank card, we will not touch upon methods of replenishing using a mobile phone and short commands, but we will go a little through online banking.

This is convenient, because after completing the transfer, the money will be credited to your account in just a couple of minutes. You can log in to the site using your login and password if you have already completed the registration procedure.

Check out bank offers

Cashback card in Rosbank

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• Cashback up to 7% - on selected categories;
• Cashback 1% - on all purchases;
• Bonuses, discounts on goods and services from VISA;;
• Internet banking – free;
• Mobile banking – free;
• Up to 4 different currencies on 1 card.

Card from Unicredit Bank

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• Up to 5% cashback;
• Cash withdrawal without commission at partner ATMs;
• Internet banking – free;
• Mobile banking is free.

Card from Vostochny Bank

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• Up to 7% cashback;
• Cash withdrawal without commission at partner ATMs;
• Card maintenance is free;
• Internet banking – free;
• Mobile banking is free.

Card from Home Credit Bank

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• Up to 10% cashback with partners;
• Up to 7% per annum on account balance;
• Withdrawing funds from ATMs without commission (up to 5 times a month);
• Apple Pay, Google Pay and Samsung Pay technology;
• Free Internet banking;
• Free mobile banking.

Debit card from Alfa Bank

Bank cards today are one of the most popular ways to store personal funds.

Thanks to their use, the risk of money theft is reduced and you no longer need to cash out every time you pay for a purchase in a store.

In addition, cardholders often receive various discounts, participate in drawings for valuable prizes and do not pay a commission, but only the price of the selected product.

Popular methods of depositing cash onto a card

You can deposit money to your card balance in different ways, which will be discussed below. The easiest way to perform the operation is to use a terminal at a Sberbank branch; in some cases you will need identification documents.

If you decide to top up your card balance with up to 600 thousand rubles, you do not need a passport. You can perform the operation through the cash register window or using an ATM (in the second case, you must first enter your PIN code).

The bank terminal will allow you to instantly deposit the required amount into your balance. The sequence of actions is very simple:

1. Inserts the card into the ATM;
2. Enter the PIN code;
3. Select the desired operation and input amount;
4. Follow the instructions on the screen to top up your account.

How to deposit cash onto a card via an ATM if you are at a bank branch? You can transfer funds from card to card in just a few clicks.

After selecting the option and transfer amount, the money will be debited from the account automatically and after a while it will appear on the balance of the desired card. To carry out this operation, you do not need a passport and you don’t even need to use a card.

We deposit funds using the terminal

You will have to enter your number manually and with the help of pop-up tips, the money will be credited to your balance. Clients also have the opportunity to replenish the card from a personal account or a deposit with Sberbank.

Such manipulations can only be carried out at a branch of your bank and only if you provide the specialist with documents confirming your identity.

A bank consultant can help you make the transfer, or you can easily use the terminal with tips. In any case, prepare in advance:

• Your bank card;
• Passport;
• Remember your PIN code.

After depositing each bill, updated information will appear on the terminal screen about how much you just entered and the amount of the commission that will be charged to you (only in some cases).

When replenishing your account, remember that you may be charged 1-2% of the transaction amount. As soon as the required amount is collected, all you have to do is click the “pay” button.

Using virtual payment systems

Virtual payment systems WebMoney, Qiwi or Yandex.Money are another opportunity to top up your card balance.

There are several ways to deposit cash onto a card through these systems: first you need to create a wallet, top up its account, and only then, or simply log in and complete the transaction (for those who already have an electronic wallet in one of these payment systems).

Funds will be transferred instantly. But there is one important point - you will have to pay an additional commission for the transfer in the amount established by the system.

You can deposit cash onto a Sberbank card in just a few minutes if you have a computer or laptop connected to the network, and the bank provides you with a mobile banking service or the “Sberbank Online” option is connected to your card.

This method is especially relevant for young people who do not have the time and desire to stand in line at a cash register or look for a suitable ATM, but have access to the network.

In any case, regardless of the method you choose to top up your balance, you need to print out and take the receipt with you. It indicates the transfer amount, the date of the transaction and the location where it took place.

Usually the money is credited to your account within a couple of minutes, but if this does not happen, you need to go to the bank branch closest to you along with the check and explain the situation to the employee.

conclusions

A sufficient amount of money on your card balance means you can make purchases by paying by bank transfer.

At the same time, you should look for ATMs to withdraw funds.

In addition, using a debit card is a chance to keep your money in a safe place, eliminating the need to carry large sums of money and worry about it being stolen.

Just use the above methods of replenishing your account - and you can forget about paying for goods or services in cash. The nearest bank branch is at your disposal, as well as self-service terminals in stores near your home.

Check out bank offers

Cashback card in Rosbank

Apply for a card

More about the map

• Cashback up to 7% - on selected categories;
• Cashback 1% - on all purchases;
• Bonuses, discounts on goods and services from VISA;;
• Internet banking – free;
• Mobile banking – free;
• Up to 4 different currencies on 1 card.

Card from Unicredit Bank

Apply for a card

More about the map

• Up to 5% cashback;
• Cash withdrawal without commission at partner ATMs;
• Internet banking – free;
• Mobile banking is free.

Card from Vostochny Bank

Apply for a card

More about the map

• Up to 7% cashback;
• Cash withdrawal without commission at partner ATMs;
• Card maintenance is free;
• Internet banking – free;
• Mobile banking is free.

Card from Home Credit Bank

Apply for a card

More about the map

• Up to 10% cashback with partners;
• Up to 7% per annum on account balance;
• Withdrawing funds from ATMs without commission (up to 5 times a month);
• Apple Pay, Google Pay and Samsung Pay technology;
• Free Internet banking;
• Free mobile banking.

Debit card from Alfa Bank

Transferring funds to another person’s card can be done at a bank branch, through an electronic payment system and through mobile devices.

Important: (we are talking mainly about your own plastic).

What data is needed to top up another person’s Sberbank card?

It is necessary to take into account that any of the options for replenishing the card of any potential recipient requires the full card number, the owner’s full name (in the case of a transfer through a Sberbank branch), and full details (in the case of a transfer of funds in another bank).

You can replenish the card: at the Sberbank office, at an ATM of Sberbank or another bank, through the personal account of both Sberbank and any other bank, through electronic money systems, and also using a mobile device.

Topping up someone else's Sberbank card through a bank branch

To transfer money using a bank branch, you need to perform a number of simple steps: go to the bank branch, contact the bank operator, give the card number and full name of its owner.

This method is not entirely convenient for people with disabilities, people limited in time and, of course, for the lazy. In addition, you need to be prepared for the fact that the commission when transferring using a bank branch will be higher than when using a terminal. If there is no working payment terminal in the area, or there is no personal Sberbank card, and also if a payment order is needed, then this method is appropriate. For other cases, it is more convenient to top up the card through an ATM.

Topping up the recipient's card at a Sberbank ATM

Transferring money through an ATM is perhaps one of the most convenient, fastest and easiest ways. If you have the recipient's personal and plastic card number, then no problems can arise.

To send money using the terminal, you must enter the recipient's card number and deposit the required amount, confirm the transfer and the money will be credited to the account in a short time.

Moreover, in the case when the transfer is made between cards issued in one branch, the commission will not be debited, however, if the cards are issued in different branches, then the commission fee for transferring funds will be 1%, min. 50 rubles.

Transfer to card at ATMs of other organizations

Many terminals have the function of crediting funds to a card of another issuer. The card is replenished in the same way as in the previous case.

Topping up a Sberbank card via Internet banking.

An even simpler option is to replenish a Sberbank card via Internet banking. This method means selecting the “Transfer to another client’s card” function in the Internet bank, after which you need to enter the card number and the amount to be credited. The funds will immediately be credited to the addressee's account.

It is also possible to replenish the card through the personal account of another bank, but in this case you must indicate all the details of the recipient’s card (BIC, INN, Correspondent account, Account and card number, recipient’s full name).

Transfer to a Sberbank card via SMS.

Service. If such a service is activated, then to transfer funds the recipient needs to send an SMS to number 900 with the text “Transfer +4 digits of the sender’s card number + 4 digits of the recipient’s card number” + “transfer amount up to 10,000 rubles.”

If the sender also has a mobile bank connected, then you can send an SMS “Transfer 927ХХХХХХХ ССС”, where 927ХХХХХХХ is the phone number of the receiving party, and ССС is the amount. The transfer commission will not exceed 1%.

It has become possible to use a Sberbank card through a mobile phone account. The largest cellular operators, such as Megafon, Beeline and MTS, provide such services. To top up someone’s card through an account, just go to your personal mobile account, select “ ” and fill out the required fields, indicating the phone number, the amount to be credited, the recipient’s card number, the name of the card owner, its expiration date and CVV code.

Of course, when choosing this method of replenishing someone’s card, you must take into account that there is a certain limit on funds for transfer, which cannot be exceeded.

There are some differences in this option of transferring money in terms of the terms of crediting to the card.

Transfer to a Sberbank card via electronic payment systems

To be able to transfer funds to cards, you need to have a wallet status of at least formal (identified). If such a status exists, then in the QIWI and Yandex.Money systems you can immediately enter the Sberbank card number, the amount to be credited and send the money.

Webmoney is less simple in this regard, since here you need to enter all the details.

Often there is a need to put money on the card of another person who is a client of Sberbank. This could be a gift, a charitable contribution, or payment for goods and services. And accordingly, the question arises - how can this be done?

This is faced by many clients of banking institutions who started using non-cash payments not so long ago. And if you have not received preliminary consultation at the department, then the information presented below may be useful to you.

If you don't have Sberbank.

In this case, the most convenient way for you will be to make a payment at one of its branches. To do this, you need to come to the nearest branch, present a document confirming your identity and provide the recipient’s details, in particular:

• Recipient's name,
• sometimes they ask for the account number and branch where the card was opened, find out them in advance.

The size of the service fee will depend on the recipient’s region of location. After this, give the employee the required amount, pay the commission and receive a check confirming the transaction.

If you already have plastic from Sberbank, then the following translation methods are available to you:

Via an ATM or bank terminal. Insert the card and enter the password for it, select the “Payments” section, then “Transfer”, indicate the recipient’s number and the required amount. After that, deposit the required amount and receive a receipt confirming the transaction.

Via SMS to number 900. Available when connecting to the Mobile Bank system, connection is free. You will need to send an SMS where to write TRANSFER OR TRANSLATE the card number and the amount to be written off. Receive a confirmation code in a reply message and send it to number 900.

In the Sberbank Online system. Log in using your username and password (you can get them from

Stepfirst. The safest way to top up someone else’s card is through a bank cash desk. After all, with such a transfer, not only you, but also the bank employees are responsible for ensuring that the money is sent correctly. However, to transfer funds to a card at a bank, only its number may not be enough. You may be required to provide the recipient's identification code and account. To deposit cash onto your card, you can be served either by a cashier alone or by a manager + cashier. This is due to the internal regulations of the bank branch. Using the original passport, the manager or cashier identifies you and creates an Application for cash deposit.

Step two. The manager or cashier gives you the Application for Cash Deposit for verification. And this is where you must be as vigilant as possible. You need to check that the card or account number, as well as your full name. were displayed correctly. If there are no objections, sign the document.

Step three. The cashier takes your cash. If necessary, gives change. The cashier will also give you a signed and stamped receipt, which confirms that the funds have been deposited.

When transferring money to a card through a bank cash desk, you may be charged a replenishment fee according to bank tariffs. Before transferring money to your card, find out how much it will cost you.

Option two. Replenishment via terminal.

Step one. Replenishing your card through terminals requires more attention from you. Finding them won't be a big problem. They are available in shopping centers and supermarkets, as well as in bank branches.

Step two. After entering the card number, check that the full name is displayed correctly on the screen. recipient. Next, follow all instructions.

Step three. After completing all the actions suggested by the terminal, deposit the required amount one banknote at a time. As each subsequent bill is deposited, the total amount will be displayed on the screen. Then click the “Pay” button and be sure to request a receipt.

When transferring funds through the terminal, your mobile phone number may additionally be required. It will receive a code that you will need to enter to complete the operation.

Option three. Top up via ATM

Step one. First of all, you need to find an ATM with a card-free top-up function. Please check in advance with the call center or on the bank’s website where it is possible to carry out such an operation. In fact, there are fewer such ATMs than those that simply dispense cash.

Step two. Following the recommendations that appear on the monitor, in the “Payments and Transfers” section, select the “Transfer of Funds” operation. Then enter the number of the card you want to top up and check that your full name is displayed correctly.

Step three. Place as many bills in the bill acceptor as you need to replenish. Please note that the money must not be wrinkled or torn. Otherwise, the ATM will simply refuse to accept them. After your confirmation, the ATM will recognize the denomination of each bill and credit the total amount to the card. Don't forget to request a receipt.

It is profitable to top up if the payment card and the ATM through which you transfer money are from the same bank. In this case, you will be charged a minimum commission or there may be none at all.

Summary

As you can see, there is nothing difficult to transfer money to another person’s card through a bank cash desk, terminal or ATM. If speed is important to you, then choose the most convenient of these methods, taking into account the location of the nearest bank branch, terminal or ATM, and if the size of the commission is the cheapest of them.

Sberbank is not the only financial institution in Russia that has introduced self-service machines. The clear interface and logical program of the machine will allow the user to quickly navigate and figure out how to deposit money on a Sberbank card through the terminal. Often, they are not located in the lobby of the institution itself, this gives the subscriber a chance to use its services during hours when the cash desks are not open.

The company provides several methods for transferring funds using the subscriber's card details. Each of them equally has its advantages. Users are encouraged to carry out the operation in the following ways:

• transfer money by contacting the bank's cash department;
• depositing cash using a payment machine;
• sending funds through an ATM, transferring from a card;
• using online banking in electronic mode by logging into your personal account on the site;
• transfer from virtual payment services.

The listed options require their own functional features that guarantee the transfer of funds to the card. What all methods have in common is the transfer of funds into virtual (non-cash) form, after which they will be sent to the recipient’s bank address, where he can cash them out or use online payments.

Location of Sberbank terminals

The only disadvantage for Sberbank recipients is the location of the machines. The company adheres to its policy, which clearly regulates the location of terminals on the territory of branches.

Compared to its competitors, whose payment machines can be found in shopping malls, gas stations and other crowded complexes, the bank installed terminals at special facilities. How to quickly find and how to put money on a Sberbank card through a terminal? First, you should use Google search. It is considered the best option, showing nearby destinations.

In the search column, enter the city and name of the banking company. From the results obtained, select the most convenient location of the payment machine. You can also view branch addresses on the official page in the Branches and ATMs section; in the drop-down list, click on the locality and see the exact location along the route.

How to put cash on a card through an ATM

Having found a self-service machine, the user must follow the clear diagram indicated on the monitor:

• insert the plastic card into a special compartment of the device;
• indicate her personal code;
• In the menu on the screen, select the Receive and deposit cash function;
• From the proposed options, click on the Deposit cash button;
• a field will appear on the screen indicating the need to deposit cash;
• click on the Confirm button when the required amount is deposited into the terminal;
• After the procedure, do not forget your card.

Upon completion of the operation, the bank subscriber will receive a notification about the sending of funds (if the SMS banking program is connected). The description of the transfer, how to deposit money on a Sberbank card through a cash terminal, concerns a personal plastic account.

If the user pays by bank transfer and is used to converting paper currency into virtual currency, the step-by-step instructions above are given for him. A check serves as confirmation of the transaction. If there is a failure in the system and there are no enrollments, it is enough to contact a specialist at the department.

It is important to know about the company's commission fee. It implies 1% when transferring interregional card accounts (the commission cannot be more than 1000 rubles for a one-time transfer). There are no transaction fees within the same region.

It is not uncommon for a payment machine to malfunction. The client carries out the transaction, confirming all stages of the transfer, but the funds may not reach the recipient. What to do in such incidents? The error is often caused by a malfunction in the terminal program system. When transferring money during the hours when the branch is open, you should immediately seek help from its employee. Using the account number, a specialist will look at the latest transactions and will be able to resolve the misunderstanding within one hour.

How to deposit money to another person through Mobile Banking

If it was not possible to deposit money onto a Sberbank card through the terminal during the bank’s non-business hours, the subscriber should call the support service and explain the current situation. If you enter the correct details and fulfill all the requirements indicated on the screen, the client receives his transfers, possibly with a slight delay.

Options for sending money without plastic

A common request from subscribers is how to put money on a Sberbank card through a terminal without a card? Debiting through a self-service machine/branded ATM is carried out exclusively from the client card. The entered amount of money is transferred from it. When the user does not own an institution’s company card, but is its regular customer, he has the opportunity to make a transfer in the following ways:

• at the cash desk, asking the branch employee to withdraw a certain amount from your personal account;
• using an online service;
• via mobile banking.

Contacting the bank cash desk

The first option is reliable, but it requires a personal visit to the cash register window. If the future recipient owns a plastic account, cash can be sent to it. The sender just needs to provide the details, full name according to the passport, BIC of the bank that opened the card, and the recipient’s TIN.

This list is ideal. In reality, the bank employee asks for the card code to which the transfer will be made and the name of the sender (a passport is requested). The transaction is charged with a tax commission of 1% of the transfer.

Top up your account without a card online

The second method, how to put money on a Sberbank card through a terminal without a card, points to the company’s online page. A mandatory rule is personal registration on the site, as well as possession of your account login information. Having an available amount of funds in the account, the user has the opportunity to transfer them literally in a minute using the card details of another person. To do this, just follow these steps:

• log in to your Personal Account;
• click on the Payments and Operations menu category;
• indicate the card or account from which you want to transfer funds;
• enter the details of the other person for whom the translation is being prepared;
• fill in the field with the transfer amount;
• indicate the number from the SMS message to complete the transaction.

How to send money to another person

The transfer scheme is identical to transferring money to a personal card. The user inserts a plastic payment sample into a special slot in the machine, indicating his user right with a password. On the screen, he needs to select the card replenishment function and click on the section Replenish the card by number.

In the empty line that appears, indicate the recipient's details. To prevent an error from occurring, Sberbank re-displays information about the card owner. If the information is correct, it is enough to write down the exact amount of the future transfer. After this, you can deposit ruble bills into the terminal. If non-cash payments are intended to be sent, they are debited from the sender's subscriber card.

An established scheme for transferring money to a Sberbank card through a cash terminal will help you quickly transfer money even to the most remote corners of Russia. The bank charges a minimum commission of 1%, its maximum in monetary terms can be up to 1000 rubles.

If both parties of Sberbank clients are owners of plastic payment accounts, they have access to the ATM transfer service. A convenient and understandable menu will convey all the information step by step. Before you start a transaction, you should make sure that the ATM has such functionality. The devices can handle cashless transactions, but not all accept cash. Most do not have a special cash case.

Conclusion

There is a certain algorithm on how to deposit cash on a Sberbank card through a terminal. It is available for execution if you carefully read the menu on the screen and follow the step-by-step diagram. Having a plastic account and knowing access to it, you can send shipments from it using your opponent’s details. This is a quick and reliable way to transfer money to your loved ones who are located in remote corners of Russia.

Money can be deposited in several ways. The most common today are depositing funds through an ATM, via electronic payment and transfer from another card or current account, either from Sberbank or any other bank.

The simplest method is to deposit cash using. Such terminals are located everywhere in modern cities: in banks, shops and other public places. To do this, just insert the card and indicate your personal password, and then deposit the banknotes.

It is very popular on many sites that feature well-known payment systems, such as, for example, WebMoney or Yandex.Money. To carry out transactions, you need to attach your Sberbank card to one of the payment systems.

If it is more convenient to pay for a purchase or some service with a specific card, then if you have several cards, you can transfer funds to the required one, and then make purchases. To do this, there are convenient online transfer services from card to card.

How to top up a Sberbank card

The most popular way to top up a card is to use it for these needs Sberbank cash-in ATMs. You can instantly top up your cash account on your card without any outside help. No additional documents are needed if the amount does not exceed 600,000 rubles. Only the card itself and knowledge of the PIN code. Funds are credited using cash, mostly instantly, but delays may occur, no later than the next business day. Disruptions may occur, so it is always important to keep your receipt. Also, replenishment is possible only in the currency with which the ATM works and to which the card is linked.

Another way is by attracting operator assistance at a credit institution. In addition to the card, be prepared to provide your passport. It is also possible to top up your account without a plastic card. You need to know the card number or personal account; in this situation, you also need to have documents with you. Most likely, there will be a slight delay before the funds arrive on the card. In most cases, enrollment is made within 24 hours.

Through electronic terminals and operators of other banks. The crediting scheme will be the same as in Sberbank, but third-party banks set additional interest rates on crediting funds to the card of other credit institutions. It is better to find out the conditions from the operators of these banks. Please note that when using this option, the replenishment delay will be greater. Up to 3-7 days.

It is possible to top up via electronic terminals or using a mobile bank. The terminal indicates the card number and the transfer amount. It is necessary to carefully check the cardholder's details. When using the service, you must have an ID and a permanent password. You can also confirm transactions using SMS passwords or passwords received at an ATM. The card number and amount are also indicated here.

When replenishing a card using electronic money, you need to know your personal account with Sberbank and fill out all the bank details correctly. With this method, additional commissions are possible, which are charged both by Sberbank itself and by operators of electronic payment systems.

How to top up a Sberbank card through Russian Post

Regular transfer, to replenish the card you need to fill out a form. The post office charges a commission for transferring funds. This is the longest method - the money will be credited no earlier than in 7-10 days.

If you look back a few years, you begin to understand how things have changed, especially with regard to plastic cars. Simplicity, reliability and ease of use have turned plastic cards into an indispensable attribute of a modern person. Increasingly, payment for services and goods occurs not in cash, but using a bank card - non-cash. And some transactions can only be carried out using non-cash payment. A Sberbank of Russia card allows you not only to pay for purchased goods, but when you pick it up for the first time, there are practically no questions about how to put money on a Sberbank card.

A salary card, savings or credit, sooner or later turns out to be “empty” and a moment comes that some fear, but in vain: how to top up a Sberbank card and where?

Let's try to answer this question as carefully as possible. In order to top up your Sberbank card, you can use several methods.

No. 1. The easiest way to put money on a Sberbank card

The easiest way to top up your card account is to deposit cash through the cash desk of one of the branches of Sberbank of Russia. To carry out this operation, you only need to have a card number and passport, and go to the bank’s cash desk. Money deposited through the cash desk will be received on your Sberbank of Russia card within 24 hours.

No. 2. How to top up a Sberbank bank card if the branch is not open

You can top up your plastic card using an ATM. This method can safely be called the second simplest, since the management of Sberbank of Russia made every effort to ensure that payment terminals were available around the clock. The funds, as in the first case, arrive on the plastic card in the shortest possible time.

The only thing you need to know with this method of replenishment is that you can deposit money onto the card through an ATM only in the currency with which this particular card works. That is, if the account is in rubles, then it is replenished in Russian monetary units.

No. 3. How to put money on a Sberbank card through another terminal.

Replenishment can be made through almost any payment terminal, such as Free Cash, QIWI and many others. But there is one thing - the service is paid, and therefore, before performing a replenishment operation, it is worth asking about the amount of the commission fee, which is charged automatically.

No. 4. How to top up a Sberbank card if you don’t trust terminals or simply don’t know how to use them.

You can deposit cash onto a plastic card at the cash desk of any commercial bank. This option, in addition to the already familiar transaction fee, is not entirely convenient in that the deposited money can only arrive in the plastic card account after 3-7 days.

No. 5. How to put money on a card if, for a number of reasons beyond your control, you are temporarily unable to leave the house.

The age of the Internet provides an excellent opportunity to manage your own money without leaving your apartment or office. Topping up a Sberbank of Russia plastic card is easy and simple if you use the service of electronic payment systems. The most accessible, convenient and reliable are Yandex money and Webmoney. To make payments in this way, it is worth filling out in advance the exact details of the bank account to which the plastic card is attached. The first transfer will be completed in 5-7 days, so there are certain safety rules.

No. 6. How to top up a Sberbank card through Russian Post.

As the simplest transfer, to top up the card you need to fill out a form. The post office charges a commission for transferring funds, but this is the longest method - the money will be credited no earlier than in 7-10 days. That’s why if you need to top up your plastic card immediately, you should think about another transfer method.

No. 7. How to deposit money on a Sberbank card at the expense of a legal entity or organization.

Almost every owner of a Sberbank plastic card has the opportunity to receive a money transfer from the account of a legal entity or organization. The only condition is that the account on the plastic card must have a positive balance.

Each of the above methods does not require the personal presence of the Sberbank card owner at all. Any person can deposit cash on a Sberbank card if they present a passport and an application with the details of the plastic card.

But in order to monitor the receipt of funds on the Sberbank plastic card, it is worthwhile and then an SMS notification will confirm the receipt of money.

Keeping money on a card account is very convenient, because nowadays non-cash payments are used almost everywhere, and, at the same time, it is safe. As you know, any funds need to be replenished, in this regard, we will consider how to put money on a Sberbank card. There are several methods worthy of readers' attention.

There are two options for replenishing the card through the cashier. The first option if you don’t have a card with you. In this case, you need to know your account details, cards, have your passport and, of course, cash with you. The second option is if there is plastic. You may also be asked to show your passport and enter your PIN code. After the transaction, the cashier is required to issue a check confirming the transfer. It must be stored until the money arrives on the card.

In this case, no commission is charged.

It must be remembered that the operator may refuse to carry out the operation if the documents submitted by the client do not match the details of the card owner. Most often, force majeure does not occur. The advantage of the method is that you do not need to search for the necessary information in advance or study the procedure - an experienced cashier-operator will do everything for you.

ATM is a faithful assistant in replenishing your card

We find an ATM equipped with a cash acceptance function and begin the manipulation. In front of the client there is a touch screen with available options, using which you can easily make a replenishment. Provided that the device belongs to the Sberbank family, the client does not face any commission.

It’s easy to deposit money onto a Sberbank card through an ATM. Payment points or multi-cash desks are located in the metro, large supermarkets, etc.

Step-by-step instructions in pictures

Similar actions can be carried out in Sberbank terminals, which are specifically designed for depositing funds, replenishing cards, eliminating debt, etc. People call them “green boxes”, unsuitable for cash dispensing.

Topping up a Sberbank card through an ATM or terminal of another payment system (Qiwi, Oplata.ru, Free Kassa) is an undertaking that costs some commission. Before you enter your card information and start paying and depositing money, pay attention to the amount of commission fees. Amounts can be fixed or calculated depending on the size of the payment.

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Money transfers and electronic money

Cardholders regularly face problems caused by insufficient funds in their card account. To get out of the minuses and top up your account, it is rational to use electronic systems like Rapid, Moneysend, or Cyber ​​money. By contacting any mobile phone store or post office, you can transfer money to a Sberbank card number. The balance is credited on the day the funds are deposited or on the next day if the operation was carried out later than 20.00 Moscow time.

You can top up your balance using virtual money, namely WebMoney, or etc. With a slight movement of the hand, virtual money turns into real money, bringing a lot of opportunities for implementation.

You can also make transfers between your cards online thanks to the Sberbank application. By logging into your personal account, you can perform any actions with the funds in your account.

We put money on another person’s card

There are situations that require mutual help and support. So, parents replenish their children’s cards, adult children, taking care of their relatives, replenish their balance. There are several options for how to put money on someone else’s Sberbank card:

• Bank branch. The person making the transfer must have a passport and the recipient's card number. In order of queue at the cash register, a receipt is filled out, the amount of money to be transferred is recorded and replenishment is carried out. There are no commissions. True, you will have to pay a small percentage if the card was issued by another territorial bank or did not become registered, for example, PRO100.
• Cashless payments. When using a terminal or ATM, what do you need for this? First of all, the payer’s card and PIN from it, as well as the card number of the person receiving the funds. In addition, you need to know the current account number, INN and BIC of the bank branch where the recipient of the money issued and received the card. The commission on the contribution amount is one percent.
• Internet banking. Log in to your personal account, select a debit card, and make a transfer.
• Top up via mobile phone. If your cell phone number is linked to your card, you can transfer money via SMS. Read more about this method of transferring money.

The timing of the payment depends on the payment system or terminal you choose. Thus, for example, transactions through Russian Post are famous not only for their reliability, but also for their extended wait times. Money is credited within 7 or 10 days, not earlier.

Now readers know how to put money on a Sberbank card using all sorts of methods: through a terminal, cash register, ATM, electronic wallets and money transfer systems. Timely repayment of debt is the key to avoiding problems with the bank. You should not trust services with a bad or dubious reputation, giving preference to official projects.

Plastic cards have become as common as paper bills. And replenishing a card account is an ordinary routine for millions today. People use debit cards and credit cards everywhere. It is as easy for another person to put money on a Sberbank card as for the owner himself. Only a third party will have slightly fewer ways to transfer money.

Options for transferring money to a card

Sberbank cards, like, in principle, any other debit cards, can be topped up in the following ways:

• at a bank branch through a cash desk. You will need a plastic card, a passport of the card holder and, of course, the holder itself. Cash is deposited by a cashier-operator, and the money itself arrives in the account within the next 15 minutes (if there are no technical failures);
• through an ATM (including ATMs of other banks within the affiliate program), with which you can not only withdraw, but also deposit money onto the card, i.e. the cash-in function is provided. This device is immediately distinguished by a second, wider slot for accepting bills. Or through a special self-service terminal, but it must be taken into account that none of these devices gives out change. But the terminals, as a rule, do not require the “plastic” itself to transfer funds to a bank card - you just need to know its number (on the front side) and the holder’s full name;
• Funds are sometimes transferred to a bank card at a Russian Post office. Here you will need to fill out a form indicating the number of the “plastic” and the full name of its owner. In this case, the funds will be credited to the card account within 3 banking days - this is the slowest method of replenishment;
• Cash transfer to a card is also possible via the Internet using the Sberbank Online service. First, you will need to activate this service by logging into your personal account using your ID using a password (one permanent and 20 one-time ones for specific operations). You can obtain this technical information in different ways - through an ATM (first select “Internet service”, then “Identifier and password”), at the Sberbank call center (8 800 555 55 50) or at a bank branch. A registered user in his personal account in the main menu will be able to select the transfer of funds to another Sberbank card and simply follow the step-by-step instructions (the algorithm is the same - card number, full name, amount of the transferred amount).

It is possible to deposit money on a Sberbank card to another person in three of the following ways. That is, through a terminal/ATM, by mail or using the Sberbank Online service. In cases where the personal presence of the owner of the card product is not required. But each of these methods has its own characteristics. You can deposit money onto a Sberbank card through a terminal or ATM only in the currency in which the card account linked to the “plastic” was opened. But this is not the main thing here, since we are almost always talking about rubles. But the commission is much more relevant. There is no commission only at Sberbank’s “native” ATMs. And only when using classic debit cards.

If funds are sent to the card through a third-party, integrated ATM, then certain interest will be deducted from the amount sent. The amount of these percentages is determined by the conditions of the bank for which the selected ATM is “native”. The commission when transferring money to a credit “plastic” will depend on the class of the credit card, lending conditions, and other things. The most expensive option is when money is transferred to a credit card from a third-party, integrated ATM. Terminals almost always have a commission, but, as already mentioned, in this case the card itself is not required. If finances will be deposited into “plastic” through an ATM, then you just need to insert this same “plastic”, enter the PIN code and press the “Deposit/receive cash” item on the touch screen.

The terminal has the same scheme, only you will have to additionally specify your card details. It may happen that there is “change left” inside the machine, but it will not be possible to return the cash. It’s easier at an ATM - you can simply send the entire amount to the “plastic”, and then withdraw “change” from the card. True, if some kind of commission is charged for depositing/withdrawing, then the user will lose some money. But with the terminal, the only way out will be, for example, to pay for cellular communications and the Internet. This way you can pay for utilities. Attention! There is one subtlety in the question of how to deposit funds through an ATM. Even two:

1. First, there are both single-note and multi-note banknote acceptors. That is, some machines accept strictly one bill at a time, while others can fit a whole stack at once. Although there are now almost no ATMs that accept only one bill at a time. A single-note device can be easily identified by its narrower slot for accepting paper money. Now such receivers are common in terminals. But modern ATMs are capable of processing up to 50 bills at a time. But this is where the second feature comes from. More like a recommendation.
2. Namely, if there is no exceptional emergency, coupled with the inability to put funds on the card in any other way, then it is better not to put a large number of bills into the ATM. Especially with a larger denomination.

The fact is that many clients of Sberbank (and other well-known banks too) encountered a problem when the ATM made an error when dealing with large volumes of banknotes. For example, he counted not 40, but 30 “pieces of paper”. It was especially bad when each such “piece of paper” was worth 5,000 rubles. There is nothing surprising about this. An ATM is a machine, a piece of equipment, and the equipment can malfunction. Sometimes the bill acceptor breaks down. Or the software malfunctions. The problem then has to be solved in a long, tedious and nervous manner. It all depends on the quality of work of a particular branch. It happened that some clients received their money back after 5 days without any problems.

And it happened that after a month the client received a notification that “no failure was registered,” therefore, there was supposedly nothing to return. Occasionally, the case began to smack of litigation. By the way, in this regard, it is important to clarify that any modern ATM/terminal must be equipped with a video surveillance camera that records all financial transactions in real time. This may be the only evidence that such and such an amount was deposited. Because due to a system glitch, even the receipt may turn out to be incorrect. Clients can only be advised to deposit fairly large amounts (more than 15-20 thousand rubles) in person through a cash desk at a bank branch or by mail.

From card to card

If there is no other option other than an ATM, and you need to deposit, say, 30 thousand rubles into your card account, then it is better to deposit the money in five thousand dollar bills one at a time. After replenishing your balance, you should definitely take a receipt, since this is the main financial document confirming the transaction. When you wonder how to put money on a Sberbank card for another client, it is important to remember that there is also an inter-card method that is not listed in the first list. That is, when funds are transferred from one bank card to another. Moreover, both cards can belong to Sberbank. Or one card will be from Sberbank, and the second from another bank. In this case, funds will be contributed depending on a number of factors:

• whether the second bank is a partner of Sberbank or not;
• what are the fees for intercard money transfers between these two banks, and the fee at an ATM may differ from that set in Sberbank Online;
• if both cards belong to Sberbank, then are these cards of the same type or are they different (debit - debit, debit - credit, etc.).

Is it possible to transfer money from card to card using all available methods? Yes, but it is best to do this either at a bank branch or through Sberbank Online. When both card products are from Sberbank, the transfer process is always faster, easier and more economical. Finally, it should be said that if the recipient card is not on hand, then to transfer cash you always need to know the number of this “plastic” (or the personal account to which the product is linked) and the holder’s full name. This article is fully intended to answer the question “How to put money on a card in Sberbank?” The text discusses all the main methods of replenishment and the special aspects of each method.