All ways to top up your phone account with a Sberbank card. How to top up your phone balance with a Sberbank card Pay for a Sberbank cell phone online

Sberbank clients can perform numerous transactions using the SMS service " Mobile bank" One of the most popular transactions, along with transfers and payments, is paying for a phone with a card.

Below are answers to the questions: what is needed to top up your mobile balance via SMS service, how to carry out this operation and how to pay for someone else’s phone with money from your card.

What do you need to pay for your phone via SMS?

You can top up your phone via SMS only clients of the SB of the Russian Federation who have activated the Mobile Bank service. Credit and debit card holders can do this. Methods for connecting to the service:

• By phone - you need to dial 900, contact the support operator and leave a request, providing your passport details (only possible if the client specified a current phone number in the application for receiving a card);
• Through an ATM;
• At a Sberbank branch (you must have a passport or other ID with you).

Important: You can connect the SMS service to any Russian operator.

How to pay for a phone through Sberbank 900?

To pay for your phone through Mobile Bank, the client should:

• Enter the command *900*XXX# and press the call button. Instead of XXX, you need to indicate the desired top-up amount. The money will be debited from the card linked to the Sberbank client’s phone number. Using a short command you can Tele2 and Megafon. For subscribers of other operators this service not available.
• Send a message to number 900. In the text you must indicate the amount in rubles (from 10 to 3000 per day) that will be credited to the phone.

Important: sending short commands to number 900 is free for all residents of Russia; payment for SMS is carried out according to the subscriber’s current tariff plan.

How to pay for someone else's mobile phone through 900?

To use other operators for a friend or relative from your Sberbank card, you must:

• Dial command *900*number*amount#. The number is indicated in the format 9XX0123456, where 9XX is the operator code of the subscriber whose phone number you need to pay for. The response to the command with notification of the transaction will be sent in a message from the bank.
• Send SMS to number 900 with the text “TEL 9XX0123456 YYY”, where YYY is the replenishment amount.

Advice: if you don't want to waste time waiting in line, find out

There are situations when the money in your account has run out, you need to call urgently, and the option is . In this case, you can use the services of Sberbank and transfer money to your mobile phone from the card. The bank provides a variety of methods, each of which has its own advantages.

Let's look at all the ways to top up your phone account from a card to it.

Methods to top up your phone balance from a card

Using a Sberbank card, you can not only pay for goods and carry out many operations. The client also has the opportunity to top up the phone balance if there is not enough money to make a call.

Depending on the location and preferences of the client, you can top up your phone balance:

• through an ATM;
• using the Mobile Bank application;
• through Internet banking Sberbank Online;
• using the “Autopayment” service;
• using SMS and short USSD commands.

The client can top up the account of both his own mobile phone and someone else’s, for example a relative or friend. You can also pay for a landline phone.

Replenishment via SMS to number 900

To top up your phone balance from a Sberbank card via SMS sent to number 900, you must follow these instructions:

• Connect the application "Mobile Bank";
• Send an SMS with the text: “250 1234” to number 900, where:
  • 250 — replenishment amount;
  • 1234 - the last digits of the plastic number. If you do not specify the last digits of the card number, the money will be debited from the card product that has enough money;
• In response, you will receive an SMS notification with a code to confirm the payment.

You can make a maximum of 10 transfers per day. total amount to top up your phone should not exceed 3,000 rubles. To pay someone else's balance mobile limitation is 1,500 rubles.

A commission is charged for conducting transactions through Mobile Banking. Its size depends on tariff plan(30 or 60 rubles per month). Also setting Mobile banking accompanied by constant notifications. Disable SMS notification Sberbank Can

Instructions on how to set up auto payment for your phone via Sberbank Online

Other ways to top up your balance from a card

In addition to the remote method of replenishing your mobile account, you can use the following methods:

Via ATM, for this you need:

1. Insert the card into the device and enter the PIN code;
2. Go to transactions and click “Payment” mobile communications»;
3. In the window that opens, indicate the transfer amount and the mobile phone number that needs to be topped up. The minimum monetary threshold is 10 rubles;
4. Check the entered data and click on “Pay”;
5. Finish the job and pick up the card.

After some time, you will receive an SMS on your phone indicating that your mobile account has been successfully replenished.

Transferring money via short USSD commands. This method is only suitable for Beeline and Megafon subscribers who have a Mobile Bank connected.

In the text message please indicate: *900*120#

• where 120 is the transfer amount. The confirmation code will be sent to your phone as an SMS from number 900.

More information on how to transfer money from a Tele 2 SIM card to a Sberbank card

If previously a mobile phone was used only for calls and SMS messages, then in modern realities it is used everywhere: they sit in in social networks, take photographs, listen to music, watch videos, etc. Recently, it has become possible to pay for goods and services by phone instead of a Sberbank card by installing the appropriate application and settings on your smartphone.

To pay for purchases or pay for travel using a smartphone, you need a device equipped with NFC technology (almost all modern manufacturers produce mobile phones with a similar innovation) or configure an NFC module. You also need to connect your debit or credit card- enter information about them into the memory of your mobile phone so as not to indicate them when paying.

The contactless payment service is available to iPhone owners ( Apple Pay) and smartphones with the Android operating system. Samsung Pay is also popular; the service works on devices produced by this manufacturer.

How to set up NFC for payment with a Sberbank card

Savings Bank was one of the first credit institutions to support a wireless payment system in Russia. Every bank client who owns a smartphone can activate this function for free.

To set up NFC you need to do the following:

• Find on your mobile phone this function and activate it. On Android it is located in the Wireless Networks category;
• Install an application to pay by phone;
• Link your credit or debit card Savings Bank;
• Configure the payment system settings so that funds are debited from the specified card.

When linking several cards at the same time, one of them will be considered the main one by default. You can change this as you wish at any time in the settings. And the choice of program for wireless payment depends on the brand of phone.

Review of applications for payment via NFC

To pay with a Sberbank card in one touch, you will need to install one of the applications:

• Yandex money. Installation takes place on the phone. After installation, select the “Contactless payments” section. Virtual MasterCard card, security code will be sent to cellular telephone. You will need it if you want to withdraw money or have exceeded the transaction limit of one thousand rubles.
• Visa QIWI Wallet. Download and install the application, link your wallet to your phone. To confirm the binding you will need to enter one-time password, which will arrive on the smartphone. When making purchases worth less than one thousand rubles, to pay, it is enough to unlock the mobile phone screen, if more major purchases You will need to enter a PIN code.
• Wallet. Bank cards. Official application from a credit institution, you can download it on Google Play. For correct operation, you must have an Android OS version of at least 4.4.
• Installed on Samsung mobile phones. In addition to NFC, gadget owners receive the MST function. The first is available only on devices that work with contactless payment, the second on all terminals that accept cards with a magnetic stripe.
• Apple Pay. Integrated into Wallet, available for owners of devices from Apple. Allows you to make payments in online stores and through wireless payment terminals.

Customers of Savings Bank who have MasterCard card PayPass or VISA PayWave(tying them won't be difficult).

How to pay

Contactless payment Sberbank card using a smartphone is available in many stores, places Catering, airports or subways. It is enough to bring the plastic to a special reading device. You may need to activate the program before doing this, i.e. enter the code that you entered when installing the application. The PIN code or password from the SMS message will be required to confirm a transaction for a purchase amount exceeding one thousand rubles.

Payment is made within a few seconds, just turn on your smartphone and bring it to the terminal. As soon as the money is written off, a corresponding message will appear on the screen and a characteristic signal will sound. There are no additional commission fees credit institution, nor the seller.

How to top up your balance

To pay by phone instead of a Sberbank card, constantly monitor your plastic account balance. Timely replenishment is possible in the application, through Internet banking or at an ATM.

Safety

Some users still do not trust the innovative system, fearing for security own finances. In fact, the contactless payment system is several times more reliable than the standard payment procedure with a regular credit card:

• You do not provide any information about the plastic. The transaction is carried out using a unique password that is read by the device. It is impossible to recognize it, as well as to use it again, since each operation has its own code, the combination of numbers is constantly changing;
• If you lose your smartphone, a stranger will not use the application. Firstly, many modern devices are equipped with Touch ID technology, i.e. The mobile phone is unlocked after the device checks the fingerprints. Secondly, to access the program you must enter a unique code;
• It is not possible to debit funds twice for one transaction, since the terminal immediately turns off after payment.

One of the main advantages of the innovative methodology is the high speed of payment. In large cities, the payment system has already become widespread. Contactless payment is convenient; there is no need to constantly carry a credit card with you and enter its data. NFC activation occurs within a few minutes; just download the program and link a plastic card.

However, the method also has a drawback - if the smartphone’s battery runs out, then you will not be able to pay anyone anywhere or with anyone.

Android Pay

Android Pay‒ one of the most popular electronic payment systems from gadgets running on operating system Android. The service is free; Savings Bank clients can use Internet banking to connect to it. All operations carried out using this system are reliably protected, since the smartphone does not store the plastic number.

If you have a mobile phone with NFC module support and Android OS version 4.4 or higher, as well as a Savings Bank card (all card categories are available to connect to the service, except Maestro), you can activate the electronic payment service. To do this you need:

• Download the Sberbank Online application on Google Play;
• On home page select the required card and detailed information about it;
• Click on “Add to Android Pay” and follow further instructions.

If you lose your smartphone, change the password, lock the phone or erase all information from it using the “ Remote control Android."

To pay, unlock the phone display and bring it to the reader. After a characteristic signal and the inscription “Ready” on the screen, the operation will be completed. You can add credit, debit, gift card and use them to pay for purchases in the application, in regular and online stores.

Conclusion

Payment by phone instead of a Sberbank card is used not only when paying for goods, but also for travel on public transport. When you connect the service on your PC, you can make purchases in virtual stores.

Contactless payment for purchases using your phone is an innovative offer from Sberbank to its customers. No one will be surprised by contactless debit cards anymore. plastic cards, but the turn has come new technology, which is predicted to have enormous popularity. Carrying out payment transactions without the mandatory presence of a card will attract the attention of many. After all, most people always have a phone with them, which can now additionally serve as a payment instrument.

Contactless payment by Sberbank phone is based on NFC technology. It is based on the principle of wireless communication with a short range. To activate it, devices that have a similar function must practically touch. In this way complete safety is achieved payment transaction, since the signal is almost impossible to intercept. Thanks to the fact that when carrying out monetary transaction a virtual account is used and card details are not included, it is ensured high level privacy.

To carry out the procedure, you will need a phone with a built-in NFC chip, a connected application and a special reader. And the procedure itself is simply simple: just bring your smartphone to the terminal, and the money is transferred in a matter of seconds. In this way it is already possible to pay for goods and services in supermarkets, transport, restaurants, fitness clubs, and every day the number of organizations working using this technology is growing.

How to determine whether your smartphone supports such technology or not? You can check this as follows:

• the NFC symbol may be on the smartphone body or on the battery;
• In the Android settings there is a “Wireless Networks” tab, where NFC is indicated.

As a rule, the latest smartphone models are equipped with such adapters.

The advantages of NFC payments via phone offered by the bank are obvious:

• the transaction takes place instantly;
• high level of reliability and safety;
• use on the territory of the Russian Federation and abroad, wherever there are terminals that support this technology;
• there is no need to have bonus cards with you, the application saves all discounts and accumulated bonuses;
• Using the application in the bank is free.

Sberbank cards with contactless payment technology

Almost all bank cards are suitable for making payments using a mobile device, including the MIR payment system, except Maestro cards And Visa Electron.

Which payment system to choose

Currently, the three largest contactless payment systems in the world have already been launched in Russia: Apple Pay, Android Pay and Samsung Pay. They are very similar to each other: their technologies, payment methods and security systems are almost the same. At the same time, each of them has its own characteristics, advantages and disadvantages associated with the policies of smartphone manufacturers. If you are in the process of choosing, then you need to take into account the features of all services.

Android Pay

Android Pay is a payment system from Google, built into smartphones based on Android OS.

Distinctive advantages include:

• a huge number of banks connected to this payment system;
• presence of built-in binding to the application bonus cards;
• receiving additional bonuses when paying for goods or participation in various promotions;
• There is no need for a scanner in the smartphone; identification and security is achieved by entering a PIN code or graphic password.

There are certain restrictions:

• You can pay in special terminals with contactless technology;
• Not supported on rooted phones.

Samsung Pay

Today, the Korean company is a significant competitor to other developers. This is due to a number of advantages that may be the main reason for choosing Samsung Pay:

• 6 models supporting contactless technology is more than others;
• relatively affordable price for mobile devices;
• the developer allows the chip to be used for different applications;
• there is support for magnetic stripe simulation, which allows the devices to be used in traditional terminals;
• There is a larger choice of partner banks.

The only minor drawback is that the transaction is carried out with a fingerprint scanner. In fact, the advantages of Samsung Pay lie not in the features of the system itself, but in the greater capabilities of the manufacturer’s models. The key advantage is the ability to pay for purchases and services in terminals of any type.

Sberbank Online is the only banking application in the Russian Federation that allows you to directly link a card to Samsung Pay.

Apple Pay

In the Russian Federation, the first bank to start working with the Apple Pay service was Sberbank, and is still the only one with whom the developer company cooperates. Payment system is used only in flagship iPhone models, starting with version 6 (5.5S and 5C already have significant limitations), as well as in other devices of the manufacturer. The disadvantages include the following:

• restrictions on cooperation with partner banks;
• the high price of mobile devices that support the service (even the cheapest model is much more expensive than the model from the Korean manufacturer);
• Only 4 models can be linked to the system;
• binding to a specific type of terminal that can read NFC chips;
• the device manufacturer prohibits the use of chips for “foreign” applications;
• Mandatory presence of a fingerprint scanner.

How to set up NFC for payment with a Sberbank card

Let's look at how to configure this function. First of all, you will need to enable short-range radio communication:

• open “Settings” on your mobile device;
• in the “Wireless Networks” section, enable NFC (its absence indicates that the device does not support such a function).

Next you need to decide on the application. You can use any one from Google Play, or you can choose the default one offered by the manufacturer. It is located in the “Contactless payment” menu. Then all that remains is to download the necessary cards using latest version Sberbank Online or Wallet. After the card appears in the list, you can proceed to pay by phone.

Conclusion

Payment via a smartphone with a built-in NFC chip, offered by Sberbank, seems unrealistic for average Russians and does not yet inspire confidence. But soon, when contactless technology will be available for more budget mobile devices, payment with one touch of a smartphone will be as familiar as sending an SMS message to another person.