Credit and debit plastic cards issued by banking organizations, firmly entered the everyday life of modern man. They are charged wages, we pay for goods and services with them, pay off the debt on utility bills, and also use them as a wallet for saving personal funds. All this is extremely convenient!

True, it happens that there is still time before the salary, and the limit of funds for one plastic is exhausted, but at the same time there is another from which I would like to borrow a certain amount. about how to make a transfer of funds from one card to another, we suggest talking further.

Step-by-step instructions for action

To date, there are several ways to transfer funds from card to card. The most common of these are:

• transfer through ATMs and terminals;
• using various online services (that is, via the Internet);
• using Personal Area on the websites of banking companies;
• through mobile online banking;
• using an SMS command to the number "900" (this option is only suitable for those who want to execute or transfer money from a card to a phone via phone 900).

General step-by-step instruction for sending money from card to card, if these are two products of the same bank, is as follows:

• 1- Go to the official website financial company who owns the credit cards.
• 2- Log in with your data by entering your login and password (for this you need to have Internet banking connected).
• 3- Go to the "Transfers and payments" section and select the option "To the bank client's card".
• 4- Correctly fill out the opened form by entering the recipient's card number (20-25 digits) and the amount of funds to be transferred.
• 5- Press the "Send" button and wait for an SMS message with a confirmation code to your phone number.
• 6- Enter the received code in the appropriate field and confirm your action.

In almost the same way, money is sent from the card of one bank to the plastic of another. Let's consider the order of transfer on an example banking products Sberbank and Tinkoff.

So, in order to transfer money from a Sberbank card to Tinkoff card or vice versa, follow the instructions:

• 1- Log in to the Tinkoff website.
• 2- Go to your personal office.
• 3- Select "Transfers".
• 4- From the drop-down list, select "To the card of another bank."
• 5- Correctly fill out the proposed form, entering the data of your loan product and card details of the recipient.
• 6- Specify the transfer amount and click "Execute".
• 7- Receive an SMS with numbers for confirmation, which you enter in the appropriate box.
• 8- Complete the operation by clicking the "Submit" button.

Please note that this procedure will be paid. In this case, the commission is calculated based on the amount of the payment.

Phone transfer

A fairly popular and convenient way to transfer money from plastic to plastic is the “via mobile phone” method. There is a special service number for this. 900 .

So, to use this option, both the sender and the recipient must be connected to mobile bank. Next on "900" should send sms with the following content:

TRANSFER + the last four digits of the card number + the number of the mobile recipient + the amount of funds transferred.

If the sender's credit card is connected to a mobile bank, its last digits can be omitted. If the recipient has several credit cards connected to the mobile bank, the sender chooses the priority option. After sending the request, the number will receive a code of five characters, which must also be sent to the number "900".

You can carry out such a procedure regardless of which bank card you have in your hands and which mobile operator you are connected to.

Transfer by card number

Many users are interested in the question: “Where to go to send money from one credit card to another, knowing only its number?”(For example, to make a transfer from a VTB card to a Sberbank card).

Today, such a transfer can be carried out in the following ways:

• through Internet banking from account to account;
• through the operator of the bank branch where your card is serviced;
• through terminals and ATMs;
• on the website of your bank in Personal online office user.

Let us consider in more detail the simplest way to transfer funds - through an ATM using the example of a Sberbank machine.

• 1- Approach the nearest device.
• 2- Insert the bankcard into the card reader.
• 3- Enter the pin code of your plastic.
• 4- In the main menu that opens, select "Payments and transfers".
• 5- In the submenu that appears, click on "Money Transfer".
• 6- Specify the recipient's plastic number and the transfer amount.
• 7- Follow the prompts to confirm the operation.

The size of the commission fee will depend on the beneficiary's bank and on the transferred amount of funds.

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

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

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

What are the fees for credit card transfers?

The commission for the transfer will be 3% of the amount, at least 390 rubles.

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

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

How long does it take to receive money when transferring from a credit card?

The funds will arrive instantly, within a few seconds.

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

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

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

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

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

Will they charge tax from the sender of a card-to-card transfer if the recipient is self-employed?

No, the sender will not be taxed, regardless of the recipient.

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

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

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

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

Where can I see the history of my transfers?

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

What should I do if the transfer does not arrive on the recipient's card?

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

Is it safe to transfer money in a mobile application or in other ways?

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

Do not share your mobile application password with anyone.

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

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

If you have changed your phone number, notify the bank at 900.

Set a password on your phone.

If the SIM card suddenly stops working, call your carrier and find out the reason: you may be attacked by scammers using a virus.

Do you want to transfer money from a card to a Sberbank card via phone 900 via SMS - Mobile Banking, Sberbank Online or ATM? Next, we will look at how to make a transfer between your cards and send it to another person.

Money transfer through the Mobile Bank occurs by sending special commands in an SMS message to number 900.

Money transfer by recipient's phone number

To send money, the sender's and recipient's phones must be connected to the Mobile Bank.

If the recipient has several cards, then the optimal one will be selected, the salary one is considered a priority.

Sending commands are formed in SMS and sent to 900. The message (request) should look like this: TRANSFER 1234 9XX1234567 500.

Where, 1234 - the last four digits of the sender's card; 9XX1234567 - cellular recipient; 500 is the amount.

Instead of the main request, TRANSLATE, PEREVOD, PEREVESTI can be written.

If the sender has only one plastic, then you can not indicate his last digits in SMS.

In response to the request, you will receive a message with a confirmation code. Send the code via SMS to 900.

Attention! Be sure to check the details: first name, patronymic, first letter of the last name and amount. If you make a mistake, the bank will not return anything, you will have to contact the recipient yourself.

Restrictions:

• Sending is carried out in rubles (recalculation from foreign currency accounts takes place at the current exchange rate of the Bank).
• You cannot transfer funds to the sender; you cannot send funds to yourself in this way.
• Payments are not possible with corporate, credit and virtual bankcards.

For security reasons, the following limits apply:

• No more than 8 thousand rubles. per day.
• The daily limit is 10 transactions.

How to transfer money by card number

You can send money to the card number through the Mobile Bank to any Sber client. To do this, send SMS to 900 in the following format: TRANSFER 1234567891234567 5000

Where 1234567891234567 is the full number bank card recipient, 5000 - payment.

In response, the bank will send a message with a password for confirmation. Check the amount and details. Send the received code via SMS to 900.

If everything is done correctly, you will receive a report on the operation performed.

How to transfer money through Sberbank Online

Users registered in the Personal Account can transfer funds between their accounts and send them to other clients of the same bank via the Internet.

Between your cards

Execute . Go to the menu "Payments" - "Between your accounts and cards".

In the "Withdrawal account" field, specify where to withdraw funds from, and in the "Account of credit" - where to transfer funds. In the "Amount" field - the amount of the payment. After filling in the data, click "Transfer".

The system will display a confirmation page. Check the specified details again and confirm the action.

To another person

Enter your Personal Account and go to the "Payments" tab - the "Sberbank Client" section.

On the next page, a payment form will open. Choose where: to the card, account or by phone of the recipient.

There are emergency situations in which it is urgent to transfer money to a relative or friend. It is not always possible and time to deliver finance in cash. Banks offer to solve such problems with the help of plastic cards. The card is a universal means for carrying out non-cash cash flow transactions. However, customers are afraid of fees for making transfers. When concluding an agreement with a bank for using a card, there are many nuances that can create problems for customers. Transfer from card to card without commission is possible if the recipient and the sender are clients of the same bank.

Transfer from card to card of another bank without commission

In the age of computerization, a plastic card becomes a necessary attribute in everyday life. Parental care for a child-student, gifts for the holidays allow you to be closer to children even at a distance. Online card transfers are required when making purchases in online stores. Each region and each bank has its own tariffs for cardholders. In order to save personal funds for the owners of plastic cards, an important criterion is the transfer from card to card of another bank without commission. To carry out the transfer, you can use a lot of tools - from terminals to the help of operators hotline jar.

Transfer services between cards without commissions

Since the purpose of the existence of banks is to make a profit, card transfers without commission are carried out between cards of one bank.

The most common transfer services between cards without commissions:

1. VMTFF. The abbreviation stands for VisaMoneyTransferFastFunds. Translated from English, the system translates as " quick transfer Money". Funds are credited to the recipient's card within two minutes or one day, depending on the banks.

1. Visa Money Transfer & MasterCard Money Send. This system performs settlement operations With plastic cards without additional requirement of other details. It is enough for a bank employee to present the recipient's card number and an application for transferring funds, and the money will be transferred within one to five days.

Transfer instructions

For the correct implementation of financial transactions, there is an instruction for the implementation of the transfer. Even a person who did not hold anything in his hands except a savings book is able to deal with it. Usually, five minutes is enough to delve into the whole process. To cash reached the recipient, you must have the following information:

• Number plastic card recipient, consisting of 16 digits.
• Full name of the recipient.
• Full name of the sender.
• Sender card number
• The expiration date of the sender's card.
• CV-code of the sender's card.

Depending on the selected transaction method, you must specify the right amount and details for the operation.

Transfer limits

In each bank transfer limits are formed under the influence of such factors as the status of the card, the reputation of the owner, accounting policy jar. Holders of gold and platinum cards are allowed to exceed the base limit by 2 or 3 times. Depending on the period of using the services of certain financial and credit institutions, the limit may increase. The average limit ranges from 15 thousand rubles. up to 80 thousand rubles Many financial institutions in order to attract customers, tariff packages are being adjusted, in which the daily or monthly limit amount for transactions between plastic cards is increased.

Transfer money from phone to bank card

Cellular network users are often interested in how to transfer money from phone to card. Each operator has its own service for this. You will need internet access to translate. In some cases, you can transfer to a card from a mobile account through a mobile service. Services are available for different payment systems: Maestro, MasterCard, VISA.

Detailed instructions for MTS subscribers

Read also:Logging into your MTS personal account by phone number: Features of connecting and using services

Before transferring money from phone to card, you will need to go to the official website of MTS. Next go to the tab "Financial services" to the item "Payments".

When the Easy Payment service menu opens, you need to select the item from the list of possible transfers and payments "to a bank card". A form to fill out will appear on the screen. You will need to indicate your number and the amount to be credited. Opposite the item about the MTS account, you need to put a tick.

When the first form is filled out, indicate the data to which bank card the transfer was ordered. Next comes the payment confirmation.

The service has several restrictions on the amount and number of transfers during the day.

1. You can transfer money within the limits of 50-15 000.
2. You cannot make more than 5 transfers per day.
3. The minimum commission is 60 rubles, 4% of the transferred money.

How to transfer funds from Tele2

Read also:How to transfer money from Megafon to Tele2: Basic methods

A similar service is also available for users of the Tele2 network. There are several options for transferring money from phone to card.

The easiest is to send a message to 159 . The text must contain the name of the operation (card), the card number, the amount to be credited, separated by a space. An example of what a message like this looks like: card 1234123412341234 1500 . Whole rubles are indicated. Funds arrive within minutes.

If you have to make transfers regularly, it is convenient to save the USSD command in your contacts for the operation. It looks something like this: *159*1*1234123412341234*1500# "Call". The recipient's card number and amount are also indicated here.

When deciding how to transfer money from phone to card, it is worth considering the following method. If there is a computer connected to the Internet nearby, you need to go to the site money.tele2.ru.

The page will display a ready-made payment form. You need to fill it out, enter the sender's phone number, the addressee's details and the size of the transfers. The commission will be displayed in the corresponding field. The enrollment period is up to five working days, sometimes instantly.

Not all banks support withdrawals from the Tele2 account. However, the list of partner organizations is constantly updated.

This service also has a number of restrictions:

• enrollment in the range of 50-15,000 rubles;
• during the day you can send no more than 15,000 rubles;
• the total number of transactions per day - up to fifty;
• transfer commission: minimum 40 rubles, 5.75% of the transferred money.

What options to transfer funds does Beeline offer?

Read also:How to replenish a Beeline account from a bank card: A complete description of the procedure

Beeline users have two ways to transfer money from phone to card. You can use the form on the operator's website or send a message to the service center.

On the main page of the Beeline website, you need to go to the tab "Payment", then - "Pay from account". Then a list of services will open, where you need to select your payment system: MasterCard or VISA. When the payment form opens, enter the number from which the funds will be debited and the details of the recipient's card.

The commission for this operation will be 50 rubles (when transferring from 50 to 1 thousand rubles to a bank card) or 10 rubles and 5.95% of the amount (if transferred from 1001 to 14 thousand rubles).

How to transfer money from phone to card via SMS? For Beeline subscribers, service number is 7878. Message text - Visa 1234123412341234 1500 . Specify the type payment system, card details and the amount of transfers. All data must be entered with a space.

Megafon takes a commission for transferring funds. If the payment is in the range of 50-4999 rubles, they charge a fixed amount of 95 rubles and 7.35%. For transfers in the amount of 5,000-15,000, the commission will be 259 rubles and 7.35%.

To transfer funds by sending SMS, the service works at 3116. You need to send text like card 1234123412341234 1500 . Here the transaction code (available for MasterCard and VISA payment systems), card details and the amount of transfers are transferred.

A transfer from Megafon can be made to a bank card issued by Russian banks(Sberbank, VTB and others). Not all financial institutions make a transfer by card number. If the operation did not go through, you can try to make a transfer to the current account.