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Sberbank offers citizens the entire possible range of financial services, including various methods for making transfers from one card to another, which is serviced by Sberbank. The service is quite in demand, because in various fields of activity this method of payment for goods or services is used.

If you need to make a money transfer operation, then Sberbank offers several methods for doing this.

Task: Transfer money from a Sberbank card to a Sberbank card

Transferring money through a bank teller

Through a cashier at a Sberbank branch. Now this method is used less and less, because Sberbank also offers more convenient options for making a transfer. Be prepared for the fact that if you approach the cashier with such a request, you will be asked to complete this operation through the terminal. But, in any case, you can transfer money through the cashier by providing your passport and card number for this.

Transferring funds using an ATM

Through the payment terminal. A very simple method of transferring to a card, which can be done from any Sberbank ATM. It is not necessary to look for a payment terminal, because you will not deposit cash into it, the usual one for withdrawing funds is also suitable. Of course, if it provides for such a function, it all depends on the modification of the ATM itself.

So, in order to transfer money from a card to a Sberbank card, you need to write down the card number somewhere, where you should send the cash, and go to an ATM. Having inserted your card and dialed the PIN code, you just need to follow the following sequence of actions:
- go to the item "Payments and transfers";
- then click the "Transfer Funds" button;
- then a window will open in which you should enter the number of the Sberbank card to which you are transferring money. The number can consist of 16 or 18 digits. Be sure to double-check the information you enter in order to avoid negative points so that the money does not go there;
- click the "Next" button, check the information and confirm the operation;
- be sure to keep the check until the funds are credited. Usually the money comes almost immediately.

Money transfer through Sberbank-Online

Sberbank provides internet banking, thanks to which it is very easy to transfer money between Sberbank cards. If you do not have Sberbank-online connected, you can activate it through any Sberbank ATM.

To transfer, you need access to Sberbank-online and the recipient's card number. Log in with your username and password, and then follow the steps below:
- in the main menu, press the button "Payments and transfers";
- then go to the item "Transfer to a client of Sberbank";
- in the "To" field, select the appropriate option "To the card";
- in the window that opens, enter the recipient's card number and click "Next";
- then a page will open where you need to check the correctness of the entered information. For a more accurate check, the name and patronymic of the cardholder where you are making the transfer are indicated. Check the data, if everything is correct, confirm it;
— a message with a one-time password will be sent to your phone number, the operation is confirmed by entering the password in the Internet bank window that opens;
- the operation is completed. You can even create templates and further contribute funds to this card pressing a couple of buttons.

Transfer money to a Sberbank card through a mobile bank

As a standard, if you have Sberbank Online connected, then Mobile Bank is also linked to your card. Thanks to it, you can transfer funds to another card serviced by Sberbank by sending an SMS message to number 900 (a special service number).

Important! One condition: the recipient must also be registered in the system. For the transfer, not the card number is indicated, but the recipient's phone number. This is the number associated with Mobile Bank and, accordingly, a Sberbank card.

To make a transfer, you need to send only one SMS message.
— recipient's number — 900;
- in the text TRANSLATION 9XX1234567 5000. Where phone number is the recipient's mobile number, and the number 5000 is the amount you want to redirect from your card (any number is indicated).

Task: Transfer money to a Sberbank card from a card of another bank

Here is a completely different scheme of transfers, more complex. Transfers between cards of one bank are made without problems, but in the case of a transfer from a card of one bank to another, the operation will be considered an interbank transfer.

Via internet banking

Transfer via your internet bank. Now almost all banks provide their customers with access to convenient financial transactions. You can use this service by selecting the appropriate item in it. Only the transfer will be made not according to the card number, but to the details of the bank account. That is, you need to ask the owner of the Sberbank card to provide you with full settlement details (account number, BIK bank, etc.). Enter the details in the Internet bank and confirm the operation. Such a transfer is carried out within 3 days.

At the branch of Sberbank

Withdraw cash from your card and simply put it on the Sberbank card number through Sberbank branches. Previously, such a transaction could be carried out through ATMs, but now, in connection with the new law that has come into force, cash payments by card numbers are carried out only through tellers with a passport.

With electronic wallets

Use an intermediary - Qiwi wallet or Yandex.Money. In this case, you need to first transfer the required amount to your own Qiwi or Yandex wallet through your Internet bank or terminal. Money usually comes in 5-10 minutes. And only then, going into your wallet, make a transfer from it to desired card, which is served by Sberbank or another bank.

The last method is the most expensive in terms of paying commission and time. Money can be withdrawn from the wallet up to 3 days.

The more Russians switch to non-cash payments with bank cards, the more acute is the question of how to transfer money from one card to another with minimal losses. Transfer from card to card is a banking transaction in which money from one account linked to bank card are sent to the account of another card.

1. Transfers within the same bank

Banks do not charge a commission if you transfer from your account to your own account within the bank. Therefore, you can transfer between your cards without commission. Also, many banks do not charge a commission for transfers to cards of other persons in the same bank. But there are nuances. For example, Sberbank will not charge you a commission only when transferring between cards issued in the same region (with the exception of transfers between Moscow and the Moscow Region); otherwise - commission 1%. But Sberbank's tariffs are rather an exception, usually banks do not practice such an "inter-territorial" commission.

2. Free transfers from MasterCard to MasterCard

Mastercard pleases its customers with constant promotions for transfers with zero commission:

The action is set for a couple of months, but is constantly extended. Currently, up to 10,000 rubles can be transferred between MasterCard cards. with 0% commission. Important note: both cards must be from Russian banks.

By the way, this transfer service directly from Mastercard is profitable even without a promotion, because its commission is 1%, while banking services charge 1.3-2%.

3. Masterpass service from Mastercard

Not so long ago, Mastercard launched new service Masterpass, where you can make transfers by first linking your card to a phone number and saving it in their secure storage. The most interesting thing is that Mastercard owners can send money not only to Mastercard, but also to Visa and Mir cards. It works like this:

a) link the card to a phone number (see the "Connect Masterpass right now" tab)

b) go to the site of the former Binbank (now - Otkritie):

and there in the upper right corner you see the "masterpass" button.

4. Free transfers from card to card from the social network VKontakte

• free of charge - if you send from Mastercard to Mastercard/Visa/Mir
• for 1% - if you send with Visa or Mir.

More ways to transfer to the card

You can find out and discuss other ways to economically transfer money between cards on our forum in the topic "". You can also suggest your own method there.

How to transfer money from card to card for free? No commission. Without paying a penny to the bank for the transfer.

Do you still pay for regular card-to-card transfers? You don't understand what pulling, pushing, donor cards, transit cards are. You don’t know how C2C differs from interbank transfers (what is it all about?).

Calmly. There is nothing difficult in this. Just terrible words.

I remember with a smile a few years ago. I had a mortgage in one bank. A wages received on the card of another bank. First, I had to go to withdraw my salary money. Then stomp in mortgage bank and make another mortgage payment.

Sometimes, when I was too lazy to wander between banks, I made transfers from card to card. Paying something like 1.5-2% of the transfer fee. And I was constantly strangled by a toad, to give extra money. Therefore, I spent most of my time going to banks.

Now everything is much easier. There are 1000 and 1 way to transfer money between cards. Almost in one click. Without leaving home. And most importantly, it's free. In "particularly severe" cases, give 10 rubles for the operation.

We read, put into practice and save our money. Which are not redundant.

Inside the bank is always free

As a rule, the translation service Money from card to card, between clients of the same bank are free.

We only need to know the recipient's card number. And nothing more. In some banks, a transfer is available by phone number (if the card is linked to this number) and even by full name.

We will need access to mobile or internet banking. Although different banks have differences in the functionality of mobile banks, the principle is the same and intuitive.

Of all my bank cards, only Sberbank takes a commission for C2C transfers - 1% of the transaction amount. Well, at least among the cards issued in one region, no fee is charged.

From an interview with German Gref: “Sberbank does not plan to cancel fees for card transfers. This brings in a good income for the bank.” And turning around to face the client is very expensive for him (and for Sberbank and for Gref).

If you need to make a transfer: replenish the card desired bank and carry out the operation. If there is no such card (the necessary bank), it does not matter. There are other ways of free transfers in stock.

Pulling from card to card

What does this outlandish term - "contraction" mean?

Let's say we need to transfer money from card A to card B. No, not like that.

Let's take a look at specific banks as an example. You need to make a transfer from a Sberbank card to an Alfa-Bank card. And in a simple way, to steal money from Sberbank to Alfa.

In our case, the card (Sberbank) from which the money will go will be called a donor card.

All actions will be performed in Alfa-Bank. In your personal account, we are looking for the word (button) "Replenishment"

We enter the details of the donor card, in our case, Sberbank and the amount of the transfer.

An SMS code is received to confirm the operation (using a Sber card). That's all. The money has been transferred.

The pulling process is similar to online shopping. Only the money goes not to the seller of the goods, but to the card you need.

Important! Usually the contraction is free of charge. But as always, there are exceptions to the rule. Some banks either do not allow you to withdraw money from yourself. Or take a small bribe. It is usually less than a simple transfer to a foreign bank directly.

How to find out if the bank allows you to withdraw money from yourself? And the size of the possible commission (paid or free)?

There are two ways: first and second.))))

1. See pricing information.
2. Try to steal all the money from the card to the last penny. Required for one operation. For example, if you have 8,543 rubles 43 kopecks on your donor card, “pull the entire amount at once.” If the bank takes a commission for pulling, the transaction will be rejected due to "insufficient funds in the account."

List of free-donor banks.

• Sberbank;
• ALPHA;
• Tinkoff;
• Home Credit;
• Sovcombank;

By the way, here Sberbank excelled. You can't put money on it. There is just no such button.

Already possible. In the second half of 2019, Sber made it possible to replenish its cards from competing banks for free.

extrusion

A regular transfer from your card to a card of another bank. Here the procedure is the reverse of contraction.

Usually, for this pleasure, most banks want to take a commission from the client. 0.5-1.5% of the transfer amount, but not less than 30-50 rubles per operation.

For example, if you push money from a VTB card to a “foreign” plastic (not a bank client), then the service wants to take 125 rubles for the transfer of 10,000 rubles.

There are several banks that conduct such operations free of charge, that is, for nothing.

Of course you will not be allowed to roam. There is always a protective limit on the maximum amount of such transfers per month. Usually 10-20-30 thousand rubles.

List of banks:

• Tinkoff gives its clients the opportunity to push out a maximum of 20 thousand rubles per month. Anything over is subject to 1.5% (but not less than 30 rubles).
• - gives a monthly limit of 30 thousand for pushing to cards of other banks. Plastic is completely free. With delivery to the client's home.
• . Transfer to "foreign" cards is paid. But when spending on Multicard from 5 thousand for the reporting month, the entire commission for transfers is returned in the next.
• Your cashback from PSB. - Again, the limit of 20 thousand per month for pushing. The minimum amount of one transaction must be at least 3,000 rubles.

VKontakte and Odnoklassniki

Social network Vkontakte together with payment system Mastercard for all registered users make it possible to make payments within the network. It is not necessary to know the recipient's card number. It is enough to select the account of the person to whom you want to transfer money.

But in my memory, the action is extended every time for 1-2 months again and again. And it's been that way for about 2 years now.

Transfer conditions:

Transfers between Maestro and Mastercard are free. The monthly limit is 75,000 rubles. Further 0.6% + 20 rubles.

Sadder with Visa. All transfers are paid - 1%, but not less than 50 rubles.

How to transfer money Vkontakte?

On the page of the friend to whom we want to transfer money, click on the three dots. And select "Send money"

If you are doing this for the first time, the system will request your card details. From which the money will be debited. Plastic number, term, CVC code and full name of the owner.

We write the amount and click "send money".

The recipient will receive a notification of the transfer. If his card is not linked, you need to specify the details of the plastic to which the transfer will be credited.

In the future, everything happens automatically. Sent - received. No plastic data entry.

What does this give us?

You can transfer money to different cards within the limit (75 thousand) from one account.

Advice! If you need to transfer money between your cards, create a second "fake" account. And send transfers to yourself without commissions. If necessary, change the cards of the sender or recipient.

Odnoklassniki has a similar thing. But she got paid. From Mastercard and Maestro cards, you will be asked for 0.6%, but not less than 20 rubles per transfer. With cards of other payment systems more expensive.

Transfer through special services and banks

The method is not permanent. But it is better to know about it and keep it in mind.

Sometimes there are promotions when you can make transfers between any cards absolutely free.

True, they are not durable, like Vkontakte.

We see all the necessary data. Copying details. Some banks already have a "Send account details by mail" button.

If you need to send money free of charge by interbank transfer. We are looking for the word "Translation". And fill in all the fields.

In order not to enter all the details again each time, save the operation to templates (or favorites). Next time, change only the transfer amount if necessary.

How much is it?

The issue of price again depends on the bank. The same Sberbank takes the standard 1% of the transfer amount. A multicard from VTB compensates for the costs of transfers (commission 1%) in the next month, with spending more than 5 thousand rubles.

We need free or cheap interbank transfers.

Of the popular cards, there is Tinkoff Black with free interbank transfers.

How to put it into practice?

If it is not possible to transfer money directly from card to card. We use an intermediary card (or transit).

For example, we pull money to Tinkoff. Then we carry out pushing or interbank transfer to the card of the final recipient.

Need to know

Operation limits. All banks, without exception, impose restrictions on transfer operations. Maximum amount at a time, per day, per month. The amount depends on your tariff and card status. Gold and platinum has a higher limit than conventional plastics.

For most, the presented limits are more than enough. Usually they give 100-300 thousand per month.

Replenishment fee. You will be surprised. But there are banks (or cards) that charge a commission for replenishment, as idiotic as it sounds. We deposit our own money, on our own card. And .... we pay for it. Nonsense. True, this applies only to C2C transfers. Therefore, we carefully study the tariffs.

Here are 2 examples from my experience.

I received a free card from the Otkritie bank. The main thing for me was the lack of service fees. I needed it to replenish my brokerage account from it.

They gave me a MIR card. Almost without looking signed the docks. I looked only at the main conditions (there is no service fee). And only at home, I more carefully got acquainted with the tariffs for the World and was a little taken aback.

Replenishment fee - 0.5% but not less than 30 rubles.

Overtake life situations that require quick and urgent transfer of funds. But what to do when it is not possible to give personally or send to a bank account? In resolving the issue, you should use one of the options. The instructions presented in the text will help you understand the system for sending funds from a card account opened with Sberbank.

If necessary send money to a Sberbank card from a card of another bank use

The procedure for transferring money to a Sberbank card

Procedure through Sberbank Online

To transfer money to a Sberbank card through Personal Area, you need access to the Internet, because the translation is carried out online. For this method, you must have the Sberbank card itself and the connected Sberbank Online service.

Connecting a personal account:

• Go on the website;
• Fill out the registration form;
• Fill in the column "card number";
• After waiting for SMS;
• An activation code will be sent to your phone. He authorizes a personal account and opens access to services.

Having registered a personal account, you should work with tabs. Press.

What is the most convenient in a bank card? The fact that if you have it, you can use your money anywhere in the world. And if they come to an end, there is no difficulty in replenishing your "funds". Even if there is no branch of the bank where your card account is opened.
The simplest example: you went on a trip abroad and spent a lot of money there. If you only have cash, you will either have to significantly limit yourself in further spending, or completely refuse them. Of course, now there are various systems of international transfers, but points of issue still need to be found.

With a card, everything is easier: just ask friends or relatives to replenish the account and, within a short time, you will have money again. Now, with the development of the Internet and Internet banking services, everything has become quite simple.

What data is needed?

What is needed in order to "throw" money on the card? Actually there are several options. Each of them requires different data (card number, account number, full details, etc.).

Let's list each of them:

1. Top up the card account directly at the bank that issued it;
2. Make a transfer to a card account from another bank.
3. Transfer money from another card.

In each of these cases, you will need either an account number or a card number. Let's take a closer look at each method.

How to deposit cash to the card account?

So, the first way is to replenish the card account directly at the issuing bank. As we know, when a bank gives us a card, a special card account (SCS) is opened in it. By itself, a card without an account cannot exist. This is due to the fact that the money is not stored on the card, but on the account. Any operation carried out with its use is reflected in the SCS.

In order to replenish the card, it is enough to deposit money into the account. This can be done by anyone who has a passport and the required amount in cash.

Required data:

• Bank's name. Now you can deposit funds at any branch, but earlier this operation was available only where the card was received.
• card number or account number. This prop is a little more difficult. Most banks can identify the account number from the card number. Most, but not all. Are still dating financial institutions, in which the operator does not have access to the full card number. And, therefore, can not determine the number of her account. Therefore, when visiting a bank, it is better to have both numbers: the card number and the SCS number.

clue: The SCS number always consists of 20 digits and starts with 40817. The card number can be seen on the front side. As a rule, these are 16 digits divided into 4 blocks.

Nuances: if your card account is in rubles, then anyone with a passport can deposit money into it. No powers of attorney, according to the legislation of the Russian Federation, are required. However, if the account is in foreign currency, then replenishment is possible only if there is a notarized power of attorney.

pros:

• Money becomes available pretty quickly. In the worst case, a day after they are deposited into the account.
• There are no fees for cash deposits

Minuses:

• If the money runs out on the weekend or on holidays, you will have to wait for the bank to open in order to replenish the account.
• Not always within walking distance there is a branch of the issuing bank. This is especially true if the bank is small, regional scale.
• If the account is in foreign currency, it is necessary to issue a power of attorney in advance to deposit funds.

How to replenish the card with a transfer from another bank.

The second way is a transfer to an account from another bank. This method is a classic transfer of funds to an account. It is made from any available bank by any person. Of course, in this case, you can’t do without a passport either.

Required data: Full card details:

• card account number,
• name of the owner,
• Name of the bank,
• etc.

clue: full card details are always indicated in the card account agreement. In addition, many banks issue full details on a separate sheet.

pros:

• The method works regardless of the location of your issuing bank and the presence of offices in the sender's city.
• Can be used by anyone from anywhere in the world.

Minuses:

• As a rule, the term for crediting funds is up to 3 days.
• When transferring funds, the bank charges a commission for the transfer. Moreover, many banks, as part of the fight against money laundering, may charge an additional fee for non-cash replenishment of SCS.
• If the transfer amount exceeds 600,000 rubles (according to Law 115-FZ), then the card may be blocked until documents explaining the origin of the funds are provided. However, the amount may be less. It depends on the requirements of the issuing bank.
• Currency transfers are possible only to relatives. Those. “individuals transfer foreign currency in favor of other individuals— residents who are their spouses or close relatives (relatives in direct ascending and descending lines (parents and children, grandfather, grandmother and grandchildren), full and half-blooded (having a common father or mother) brothers and sisters, adoptive parents and adopted children), to accounts specified persons opened in authorized banks or in banks located outside the territory of the Russian Federation”.
• Since the full account details contain a large number of digits, there is a high probability of an error when making a transfer. In this case, the money will not be credited to the card account, but will be returned to the sender in 15 days.

We send money from card to card.

And the third way is transfer from card to card. This is the easiest and fastest way to replenish funds. Money leaves the sender's card and comes to yours. You can carry out this operation on our website

Required data: recipient's card number.

pros:

• Money arrives almost instantly.
• There is no need to pay a visit to the bank and present a passport, details, account number, etc.
• It is enough to know the card number.
• The method does not depend on holidays, time of day and weekends. It is available 24/7.

Minuses:

• Not all issuing banks support the ability to transfer funds from card to card. This is especially true for small regional banks. Despite the requirement of payment systems for the mandatory provision of this service, not every bank is ready to pay the processing center for setting it up.
• The method does not work with cash directly. Those. First you need to pay in cash to the sender's card and only then make a transfer.
• There is a fee for the transfer.
• Not all banks allow transfers from credit cards. And those that allow, take high commissions for such operations.
• Most often, banks set restrictions on such transfers. For example, Sberbank of the Russian Federation limits them to 100,000 rubles per day.

To summarize: which way is better?

We have considered only ways to replenish your card account by a third party. Of course, these are not all ways to replenish cards. If you have a good internet bank and funds in your account "on demand", you can replenish your SCS with a simple transfer between your accounts. Most banks will not charge a fee for this transaction.