Sberbank provides its clients with a lot of opportunities in managing bank accounts. For example, users can easily make transfers between their cards and accounts, or send money to other Sberbank clients.
Methods of transferring money in Sberbank
Transferring money from a Sberbank card to a Sberbank account is quite simple. There are several options for this, the most common of which are:
- sending funds using an ATM device;
- transfer via the Internet (through your Sberbank personal account);
- using a mobile phone application;
- transfer through a branch of a financial institution.
There are more ways to transfer money from card to card, since they can use a service such as Mobile Banking. It allows you to transfer money using SMS using a phone number or card. You can also use the portals of Tinkoff or Alfa-Bank, which also offer to indicate the card details of the sender and recipient.
But let’s return to account transactions, especially since such operations are performed quite often. For example, you can pay for a loan from Sberbank or another bank using a card.
Transfers via Sberbank Online
Sberbank Online is a convenient service that allows you to perform many banking transactions. If you need to transfer money from the card to your own current or savings account, follow the instructions. And remember that there is no commission for transfers between your Sberbank accounts, regardless of the region in which they were issued.
Between your card and account
To transfer money from a salary or other Sberbank debit card to your account, follow the instructions:
- Go to the bank’s official website and log in to your Sberbank Online personal account using your registration login and password;
- From the main menu, select “Payments and transfers”;
- Click on the subsection “Transfer between your accounts”;
- Decide on the card from which funds will be debited and indicate the deposit account;
- indicate the amount and click “Confirm”.
The operation will be completed instantly. A delay in the receipt of money into the account is possible only if there is a failure in Internet banking. If you have any problems, you can always .
To the account of another Sberbank client
If you need to transfer money to the account of another Sberbank client, log into your personal account, and then in the “Payments and Transfers” menu, select “Transfer to a Sberbank client.” Next, the system will ask you to mark your own account from which the money will be debited and enter the recipient’s details. Here you can specify both the card number and the account number.
A commission of 1% is charged if the banking products of the sender and recipient of the money are issued in different regions.
Loan payment at Sberbank is also a transfer to the account
Many Sberbank clients who have taken out a consumer loan, car loan or mortgage here choose a repayment method such as transferring from their own salary card to a Sberbank credit account. In order to pay for a loan at Sberbank through your personal account, follow the instructions:
To a savings account
Replenishment of a savings account, also known as a deposit account or deposit (opened for a certain time in order to receive interest for storing money in the bank) is also available through the Sberbank personal account. We'll tell you how to open a deposit account through Sberbank Online. For this:
- Log in to your bank account and select “Deposits” in the horizontal menu;
- Click on “Open a deposit” and then read the entire list of offers;
- Remember that there are only deposits for individuals here. It is impossible to open a current account for an individual entrepreneur in this way. To do this, you need to personally visit a bank branch and fill out an application. So, mark the appropriate deposit and click “Continue”;
- Now indicate the card (more precisely, its account) from which you need to transfer money to the deposit and enter the amount;
- After clicking “Open” the entire offer will appear. Review the terms and conditions again and agree to them if everything suits you.
Replenishing a deposit or savings account is a transfer between your own accounts (the operation is described above). But first make sure that the terms of your deposit allow you to deposit additional funds after opening.
To current account
It is a type of current. It is usually for receiving a salary or making various payments. Through Sberbank Online you can transfer money to the account of a Sberbank client or to any other bank. The operation takes up to 2 days.
Transfer to account via ATM
You cannot transfer money from a Sberbank card to another person’s account. To do this, you need to know his card number. But using an ATM you can pay for a loan at Sberbank or another bank. For this:
- Go to the nearest Sberbank terminal;
- Insert the plastic into the device;
- Dial the four-digit PIN code;
- In the menu that appears, stop at the “Money transfers” item;
- Fill in all empty fields and indicate the amount of funds to be transferred;
- Confirm your actions by clicking on the “Transfer” button;
- Wait for the check and don't forget to pick up your credit card.
For such an operation, a commission of 1% will be charged if the account to which the money was sent also belongs to Sberbank (for example, you paid off your loan), but is opened in another region. For transactions to accounts of other banks, 1.5% of the amount is charged.
Topping up your account through a bank branch
If transactions through your personal account or ATM seem difficult to you, visit the nearest Sberbank branch. Employees of the financial institution will help you complete any operation. Present your passport and the card with which you want to send money. Next, provide the recipient’s details - account number (card, current, settlement, deposit) or agreement number (if you are paying for a loan) and a Sberbank employee will perform the entire operation for you.
By the way, transferring to an account through a Sberbank branch is profitable, since the commission is only 1% if the recipient is a Sberbank client. You can pay off your loan or put money on deposit without interest at all. And for transfers to accounts in other banks they charge 2%; paying off someone else’s loan will cost 1.5%.
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How to transfer money from a card to a current account in Sberbank
Yuri
There are several ways:
1. Through an ATM. Transfer is possible only if both accounts are card accounts.
The algorithm will be as follows: insert the bank card from which you will transfer money. Enter your PIN using the keypad. Select funds transfer on the monitor. Enter the number of the card whose account you want to top up. Enter the required amount and confirm the transaction.
2. If a bank card is not issued for the current account, you can make a transfer through Internet Banking. To do this, you need to connect to Internet banking (you can check the terms of service with the bank that issued your card, but, as a rule, it is provided free of charge). In Internet Banking, you need to go to the appropriate “Transfers” section and in the template that appears, enter all the requested data: account details, transfer amount. Confirm payment.
3. The third option is analogous to the second - this is a transfer using the Mobile Bank service. The procedure is similar to the previous point, but to implement it you will need a smartphone and the connected Mobile Bank service. It, unlike Internet banking, is paid.
4. And the last option is a transfer through a bank operator. To do this, you need to contact any bank, with a bank card, passport and current account details.
It is not for nothing that Sberbank of Russia PJSC is considered the main bank of our country and the locomotive of development of the banking sector. It provides unlimited opportunities for clients to manage their personal savings. Such operations include transferring money from a card to a Sberbank account. Let's take a closer look at how to transfer money from a Sberbank card to a Sberbank account.
To transfer from a card to an account in Sberbank, use one of the available methods. Among the popular types we highlight:
- use of ATMs;
- transfer through Sberbank Online;
- using the Mobile Bank application;
- visiting a bank branch and transferring cash through a cash desk.
Let's take a closer look at each of these methods.
Transfer via ATM
This method is suitable for people who have a plastic bank card with a green logo. For the operation, you need to know the recipient's Sberbank account number. When fulfilling the requirements, use a simple algorithm of actions:
- head towards the nearest Sberbank ATM;
- insert the plastic card into the terminal;
- dial a 4-digit PIN code to be able to use the terminal;
- select “Money transfers” by pressing the keys or by touching the touch screen;
- Enter the required information in the appropriate fields that will be displayed there. This is usually the recipient's account number, which consists of 20 digits, as well as the amount of funds to be transferred;
- select the “Translate” action;
- wait until you receive a check with all the information about the transaction performed, as well as a plastic card.
Important. Always choose to receive a receipt, as it can be the main evidence of transactions made if, as a result of a failure, funds were withdrawn but not transferred to another person.
When making a transaction, please be aware that there may be a fee. Typically it is 1% of the amount to be transferred. But if the sender is located in the same subject of the Russian Federation as the recipient of the funds, then the commission is 0%. You can transfer no more than 500,000 rubles per day from card to card using an ATM. It does not matter what interval there is between transfers within 24 hours.
Be sure to check the correctness of the specified details, since making mistakes leads to funds being stuck between accounts, and, in the worst case, transferred to another individual. In this case, it will be difficult to get the money back. To do this, you need to count on the honesty of the person who suddenly “got rich” at your expense.
Translation via the World Wide Web
If you need to transfer funds from a personal card to a current account, it is recommended to use the Sberbank Online service. Using the service assumes that you have a card from the same bank. To transfer via the Internet, use the following instructions:
- visit the official website of Sberbank of Russia;
- go through the authorization procedure, during which you indicate the login and password that was used at the time of registration;
- in the menu presented, go to “Payments and transfers”;
- indicate the item “Transfer to private individuals;
- select the card from which money will be debited. To do this, simply check the box next to it;
- enter in the fields provided the last name, first name and patronymic of the person who should receive the money, his current account number, indicate the recipient’s bank and the BIC of this financial institution;
- Confirm that the transaction has been completed by entering the code that you receive as a result of an SMS notification. The message comes to the phone number that was specified when opening an account with Sberbank of Russia.
After the transaction is completed, the money will be deducted from the account and transferred to the recipient's account. As a rule, the time for transfer is 24 hours. The maximum allowable period is 72 hours. If during this period the money does not arrive in the recipient’s account, it’s time to sound the alarm and check with the employees of the green bank where the money is stuck.
Here you can also take advantage of the opportunity to top up your savings account. To do this, select the appropriate item in the menu.
Using Mobile Banking
To operate your personal account using SMS commands, you must have even the simplest mobile device on hand, which can receive SMS messages. It is also required that the user has a Mobile Bank connected.
To transfer money from a card to a Sberbank account, write an SMS message that will consist of three parts. The first part of the message is the word TRANSLATION. The second part of the message is the plastic card number of the recipient of the funds or the phone number to which the card of this bank is linked. The third part of the message is the amount of money to be transferred. The message is sent to number “900”.
There are limits on the transfer of funds - no more than 8,000 rubles per transaction. In total, you can make 10 financial transactions per day.
How to transfer money from a Sberbank card to another person’s Sberbank account
To transfer funds from a plastic card of Sberbank of Russia PJSC to the account of the same bank, but to another person, use the menu item: Transfer to a Sberbank client in Sberbank Online.
By clicking on this item, you will see a field in which you indicate the plastic card number of the recipient of the funds. Having entered the digits of the account number in the appropriate fields, as well as the amount of the money transfer, click on the “Get confirmation code” button. You will receive a code - enter it in the appropriate field if you are sure that the details of the recipient of the funds are correct. As a hint before making a transfer, you will have information about the recipient: his name, patronymic and the first letter of his last name. If you are sure that the recipient is the right one, enter the code number. If entered correctly, the funds will be instantly transferred to the counterparty. You can also use the opportunity to leave a comment on the payment. Thus, the recipient of the money will receive a message that relates to this money transfer.
If you do not know the personal account number of the person to whom you want to transfer money, but you know his phone number, the transfer can be made with this knowledge. The most important thing is that the phone number is linked to the Sberbank of Russia card. To transfer, select the “by phone number” option and indicate the appropriate number. Further, the algorithm for performing a financial transaction is exactly the same as that used when transferring using a personal account number.
Transactions using these methods are safe. At the same time, the bank ensures your confidentiality. Personal data of persons involved in a financial transaction are subject to the law on the protection of personal data. It is also possible to save the history of financial transactions performed. Thanks to this, you will have complete information about when and to whom you transferred funds and in what volume.
The answer to the question “how to transfer money to an account?” It’s quite simple: you need to use one of the methods presented above. Performing these operations is not difficult. The most important thing is to know the correct details of the person who should receive the funds.
Important. Do not under any circumstances pass on the data of the code messages you receive to other persons. This can be used for selfish purposes against you. Someone may want to take advantage of your personal savings and steal them from you. Do not trust your login and password for your personal account to anyone, do not trust your mobile device, which provides access to your bank. Remember that your financial protection depends, first of all, on yourself.
A bank account is a popular tool that is successfully used by individuals and businesses. Many of them became clients of several financial institutions. Therefore, the question of how to transfer funds to another bank account does not lose its relevance.
Transfer to another bank account: instructions
The translation procedure is quite simple.
First, check the details of the bank to which you plan to transfer money at the nearest branch, on the official portal of the institution. Among them should be:
- name of the recipient organization;
- bank name, division number;
- bank identification code;
- recipient's TIN;
- bank correspondent account;
- recipient's current account number.
To make a transfer, provide the employee of the institution with a civil passport, savings book, and your...
You can transfer funds without having a current account with the bank that sends them. Provide information about the recipient, present your passport, deposit funds, and receive a receipt.
If the current account is registered with an organization offering services, make the transfer directly from the office. Log in to your personal account by entering your login and password:
- Click on the Payments/Transfers tab.
- Click the sub-item Transfer to another bank.
- Specify Transfer to organization/individual.
- In the pop-up list, indicate To the account of another bank.
In the form that opens, fill in the following information:
- recipient's name;
- current account number;
- name, BIC of the bank serving the recipient;
- details for debiting funds;
- transfer size;
- its purpose.
After filling in the required fields, click on the Translate button.
As a result of the above actions, you will see on the monitor a payment order created based on the entered data. To avoid any possible incidents, carefully check the information provided. Determine how the transfer will be confirmed. This could be an SMS message sent to the phone number linked to the account, or passwords issued by the bank.
Translation using the example of Sberbank
Depending on the selected funds transfer option, the cost of transferring money will depend. For example, payments within Russia will cost you 2% at Sberbank, but not less than 50 rubles. The maximum commission amount does not exceed 1500 rubles.
If you use the opportunity to transfer funds through Internet banking, you can save significantly, since the commission for such a transfer will be only 1% and cannot exceed 1000 rubles.
If you are planning a transfer to, the situation will be similar. A transaction carried out with the help of a bank employee will cost you 1% of the transfer amount, with a minimum commission of $15 and a maximum of $200.
Using the Online Bank system will cost you 0.5% of the transfer amount, the maximum commission value cannot exceed $150.
How to transfer money from another bank account
You can transfer money from another account only in one case - when they both belong to the same bank. In such a situation, you can transfer funds yourself using ATMs or visiting your personal account.
Most financial institutions offer the ability to save templates. If you constantly make payments to the same current account, you will need to enter the data once, and then you can use the ready-made template.
If one of your accounts is savings and the other is checking, and you want to transfer money to the latter. Contact the institution that opened your current account for information. Submit the document to the bank where the savings account is opened. Write a statement requesting the closure of the latter. Funds will be transferred to your current account.
Often, for some reason, citizens need to transfer money from a card to a company’s current account, but they just can’t do this because this operation seems complicated to them. Indeed, if you do such a translation yourself, you may encounter the problem of filling out the details. It’s not like you can transfer money from card to card when you just need to enter the number of the recipient of an individual; more data is required here. We will not frighten or intrigue you in advance; we will consider the question that interests you in order.
Through a bank branch
To carry out the operation of interest, a citizen must take his plastic card, transfer details, passport and go to the branch of the bank that issued the card. You can, of course, go to any bank you come across, but then you will have to pay an extra commission for the transfer. We go to a bank branch and ask a specialist to help transfer money from the card to the organization’s account.
The employee enters all the necessary data, debits the required amount from the card and credits it to the company account. The operation is not carried out instantly, it usually takes about 1-3 days, but sometimes the money comes in a few hours. The bank employee will separately warn you about the amount of the commission, and if there is not enough money on the card, the commission can be paid in cash at the bank’s cash desk. When transferring money in rubles from a card to the account of a company located outside the locality:
- Sberbank charges a commission - 1.5% if the account is opened with Sberbank and 2% if the account is opened with a third-party bank;
- VTB 24 charges a commission - 1% if you transfer to an account opened with VTB and 1.8% if the account is opened with another bank;
- Alfa Bank charges 2% for internal transfers and 2.5% for transfers to a company account in a third-party bank.
After the operation, do not forget to take the receipt and keep it for a while, just in case.
Transfers to the account of LLCs and individual entrepreneurs can be done through a bank specialist, but oddly enough, today, more and more often, these same specialists send visitors to the nearest ATM, they say, it’s easier. Indeed, in some cases, when making a transfer through a self-service device, the bank charges a lower commission. Let's look at how to make the transfer we are interested in through a Sberbank ATM. 
- Write down all the payment details on a piece of paper, or better yet, ask a bank employee to help you, it will be faster, if, of course, the employees provide such services. They definitely help at Sberbank branches.
- Insert the card and log in.
- Select the “Transfer of Funds” section.
- Select the subsection “Transfer to current account”.
- A window will open with many free fields that need to be carefully filled out; this is a payment document form.
- Next, enter the required amount, taking into account the commission, and confirm the financial transaction.
- We definitely collect the check.
The money will be credited to your account within a day. In rare cases, enrollment may be delayed by 2-3 business days. ATM transfer fees are either waived or up to 1%.
Via Internet Banking
Many people are now abandoning traditional methods of transferring money from a card to a legal entity’s account, and there are reasons for this. It is much more convenient to perform this operation via the Internet, or rather via Internet banking. Let's see how you can make a transfer through the Sberbank Online system.
- First, you need to enter your username and password as usual, and then confirm via SMS.
- Now we find the “Transfers and Payments” tab and go into it.
- Find the subsection “Transfer to client by details” and open it.
- We fill out the form, indicate the amount and then confirm the action.
The Sberbank Online system provides a very fast transfer of money from a card to a legal entity’s account. At the same time, you are at home and do not waste time traveling to the bank and going to the nearest ATM. When making a transfer, you are charged a minimal commission, so there are only advantages to using the Sberbank Online system.
