Transfer from Sberbank to another card. Limits and limitations of the service

Having received plastic cards, their owners gain the opportunity to send money without using cash. This is sending money to relatives, paying for the services of freelancers, contractors, paying off loans and other reasons that require such an operation. A transfer from Sberbank to another bank has certain features that must be taken into account for the correct execution of the transaction.

Timing of the operation

The transaction requires a minimum of time: within 5-10 minutes the money arrives in the account. When sent to a branch, enrollment takes up to 2 days. Sometimes the transaction may be delayed up to 5 days, but this is due to technical capabilities banking institution where the payment was made.

Maximum amount

The maximum amount for transferring money from Sberbank to another bank is 30 thousand rubles. , but there are daily restrictions on payments: for Visa Electron and Maestro – 50 thousand rubles. , and for other types of cards – 150 thousand rubles.

The department does not set restrictions on ruble transfers. Currency restrictions vary depending on availability financial organization.

Possibility of canceling the operation

Sometimes it happens that when making a payment, the sender may make a mistake and want to cancel the transaction. If the payment was made between cards of the same banking institution, then the question of cancellation erroneous payment would be in charge of this institution. But in a situation where funds are transferred to another financial organization, cancellation of the transaction is not provided. The issue of refund can only be resolved with the recipient.

Transfer methods

Through Sberbank Online

The most comfortable and instant way, not limited by time and location, is remote service. But first you need to connect to it. Sender using login and personal password, goes to your Personal Account, and then to the “Payments and Transfers” subsection. Next, click on the line “Transfer Funds” and enter the number payment card recipient, checking the correctness of the entry and the amount being sent. Successful transaction will be confirmed by SMS. If the sender is not connected to the remote service, he will be able to obtain an identification password in any terminal.

Via mobile offer

It is not possible to transfer funds via SMS to a client from another banking institution. The procedure can be completed using your own smartphone by setting “ Mobile bank" This can be done through Internet banking, at a branch or using terminals. After connecting, you need to install the service. Then you should go through authorization and act according to the previous paragraph. If cash are transferred to the account financial institution, his details are indicated, and if for a private person, his plastic card number.

How to transfer via ATM

The most profitable and simplest option for sending money: the commission fee is only 1%. To carry out the procedure, you only need the recipient’s plastic number. To conduct a transaction, the sender inserts his own card into the terminal, dials his personal PIN, and then with one click goes to “Payments and Transfers.” Next, go to the “Transfer of Funds” line and enter the recipient’s card details.

At a bank branch

The most traditional option for transferring money from Sberbank to another bank is at the branch’s cash desk with the help of an operator. The sender must have a passport with him and know all the data on the recipient’s card, as well as the account number, INN, BIC, correspondent account. Sometimes cashiers offer to carry out a transaction at a terminal located in the branch itself.

Transfer fee

When transferring to the account of another financial organization, the following commission amount is established:

• in a bank branch - 2% of the amount in rubles and 1% in foreign currency ( minimum size commissions – 50 rub. or 15 dollars, maximum – 1500 rubles. or 200 dollars);
• via ATM – 1%;
• using the service - 1.5% (minimum commission – 30 rub.)

There are several ways to make a transfer from a Sberbank card to a card of another bank different ways. In this case, a commission established by the organization and specified in the tariffs will be charged for the operation. More details below.

Using bank cards, you can quickly and easily send money to any corner of the world: you just need to know the number and full name of the recipient. Thus, from a Sberbank card to a card of another bank, you can transfer any amounts according to the established limits. It is possible to carry out the transaction through ATMs, online in your personal account or using a mobile phone. Deductions are possible to any issuers in Russia and abroad.

The main ways to make a transfer from a Sberbank card to a card of another bank

You can transfer money from a Sberbank card to a card of another bank in special self-service terminals or through Sberbank-online (a system in which each client can create his own personal account for easy control your account). The sequence of actions will be as follows:

The ATM will automatically print a receipt, which reflects the time and amount of sending, and the purpose of payment. You can print a receipt from your personal account from the page of the completed transaction or from the history.

We recommend using only Sberbank self-service terminals. The commission in this case will be minimal, and you will be able to promptly receive a report from the bank upon your request. Please also note that internet access is required to use the online service. Registration in your personal account is carried out in advance.

Transfer via SMS

Users Mobile banking They will also be able to transfer money from a Sberbank card to a card of another bank via SMS. To do this, you will need to send a message reflecting:

• name of the operation (in this case “TRANSFER”);
• payment recipient's plastic carrier number (in full format);
• the last four digits of your card number from which funds need to be debited (if there are several of them in one system);
• transfer amount.

Messages are sent to the short number 900. The cost of SMS is set by the tariff plan of the mobile operator, the money for sending is debited from the phone balance. You can find out about connection methods and payment for the Mobile Bank service itself on the official website, from managers in any branch or from operators on the hotline.

Rates

The percentage for a transfer from a Sberbank card to a card of another bank depends on several factors: the type of plastic carrier, banking program, size and currency of the deduction, etc. Standard fee for payments of this type from the debit account is:

• 1-2% of the amount sent;
• minimum 50 rubles;
• maximum 1500 rubles.

The exact value can be found in the tariff for servicing your bank card, on any official Sberbank resources. Transfer from a Sberbank card to a card of another bank without commission on this moment is impossible, which is due to the difference in payment systems and bases, as well as possible difficulties when exchanging funds between different issuers.

A different commission is charged for sending funds in foreign currency. It is 0.7-1% of the transferred amount. Minimum value in this case - 15 US dollars, maximum - 150 $. Also in this case, a conversion fee may be charged by the issuing organization of the party receiving the money.

Limits and terms

As a standard, you can transfer money from a Sberbank card to a card of another bank in the following amount:

• up to 30,000 rub. for one operation;
• up to 300,000 rub. per day;
• up to 1,500,000 rub. per month.

These limits can be increased or removed altogether when the card status is upgraded, for example, from “classic” to “premium”. Sberbank may also consider a personal application for a one-time increase in values.

To ensure the security of payments in the system, the Mobile Bank service has its own limits. By SMS you can transfer no more than 8,000 rubles at a time, and 80,000 rubles per day. There is also a limit on the number of transactions performed per day, equal to 10. For payments saved in templates, the limit is removed.

Typically, the money sent will arrive in your account within three business days from the date of the transaction. The timing may increase or decrease, depending on the conditions of the organization where you are transferring funds, the day of the week, system load, amount and other factors. You can find out exactly how much money goes from a Sberbank card to a card of another bank directly from the organization’s specialists.

Sending money to cards issued by issuers in other regions

Sberbank also allows you to transfer amounts from a card to a card in another region within existing limits. The commission for such an operation is within the limits indicated above. Please note that the period for crediting the sent money to the desired account in this case may increase up to 5 business days. After sending the transfer, the recipient can call their issuing bank and find out whether the sending has been recorded and how soon the funds will arrive.

IMPORTANT. A transfer from a Sberbank card to a Sberbank card in another region may also be subject to a commission if there is no agreement between branches for commission-free provision of services to clients. The standard fee is 1% of the funds sent. The minimum value is 30 rubles, the maximum is 1000 rubles. The enrollment period ranges from a couple of minutes to three working days. This is influenced by the remoteness of the recipient region and workload banking system at the current moment in time.

Sberbank offers a full range of possible services for managing your capital, including transferring funds to card accounts both within the organization and in cooperation with other financial institutions. Therefore, clients are interested in the question of how much the commission will be for a transfer from a Sberbank card to a card of another bank.

Intra-organization transfer fee

For transactions within Sberbank accounts, there is both a fee and a payment for the service. You do not pay a transfer fee if:

• you make a transaction between your own cards, i.e. those that are registered to you
• the operation takes place between cards received in the same region or Sberbank branch
• when withdrawing money to credit card same region as the sender

Commission is charged if:

• crediting is made to a card in another region
• you are sending money to someone else's card
• the transaction is carried out through remote services

In these cases, the commission fee will be 1% (within 1 thousand rubles) from the sum. A withdrawal of 1.5% is also possible. This happens if you make a transfer from a cashier directly at a physical bank office to a card that was issued in another branch of a different region.

Features and conditions:

• There are no restrictions on the amount when conducting a transaction through a bank division when using a mobile application and service Sberbank Online- before 500 thousand rubles
• accrual will take place instantly

Fee for transfer to a third-party bank card

The commission when sending funds from a Sberbank card to a card of another financial institution is identical to the fee that is debited when transferring in the internal accounts of this issuer (1.5%).

Important

Please note that withdrawal of money using the payment instrument number is not carried out in the office.

Transferring money to someone else’s card has the following features:

• limit on the amount per single transaction (maximum – 30 thousand rubles)
• (and Maestro – 50 thousand rubles, in other cases - 150 thousand rubles)
• The operation time is 10 minutes. However, you need to check with the receiving bank for details, since in some cases the transfer can take up to 5 business days

Money transfer options

One of the factors that affects interest when transferring from a Sberbank card is the method of carrying out the operation. There are several of them:

and terminals

1. insert the payment instrument into the card reader and go through authorization
2. go to the menu Payments and transfers, select recipient
3. indicate the recipient card number

Using Sberbank Online

1. log in to your personal account
2. enter the payments and transfers section, select the appropriate item indicating the type of transaction and the recipient
3. enter the required details and approve the operation

Using your phone

There are two options for transacting using a mobile phone:

In the mobile application

1. download the application and log in
2. in the transfer menu, select the desired recipient option
3. enter the recipient's details: card or mobile phone number
4. confirm the transfer of funds

Via mobile banking

The operation is carried out via SMS to a contact number 900 :

• PEREVOD (or TRANSLATION)
• recipient's phone number
• sum

Example message: TRANSFER 8ХХХХХХХХХХ 1000

If several cards are linked to the phone from which you are sending the message, then the account from which the money will be transferred will be selected randomly. If you want to indicate a specific one, then after the word TRANSLATION you need to write the last 4 digits of the desired card.

In the Sberbank division

Method for committing financial transactions, including transferring funds from one card account to another. If you do not have a credit card with you from which you need to debit money, then just show your passport - they will use it to determine your identity. Next, you need to provide the recipient's information, after which the operation will be completed.

If your course of action involves a commission fee, it will be from 30r. (limit – 1 thousand rubles). This means that if you list 10 rub.., then the fee will not be the same percentages as indicated above, but the full 30%. When transferring dollars, the commission is minimal 15$ (limit - 150$ ).

You should also know that the commission fee is not deducted from the amount that is transferred. The fee is paid by the sender. That is total amount, withdrawn from his account will look like % commission + funds sent.

Transfer of funds to in electronic format saves time and eliminates unnecessary problems. Now you can transfer money from a Sberbank card to a card of another bank, using both online methods and those requiring a visit to a branch. We will look at easy ways that will take no more than 5 minutes. If you strictly follow the instructions, then you can transfer money to another person’s card.

Necessary conditions for transfer

The conditions that allow you to send funds depend on the selected method. Remote options typically require Internet access. The exception is the use of Mobile Banking; in this case, you can do without the World Wide Web.

If a person decides to use an ATM or terminal, then it will be necessary to carry the card with them. It is important that there is enough money on its balance to complete the transaction. You need to take into account the commission that is present when transferring funds to a client of another bank.

If you wish, you can use the Sberbank Online application for your mobile phone. Then, if you have internet, you can make money transfers using your smartphone. You don’t have to worry about security, the money will definitely reach the recipient.

Through Sberbank Online

This method will not work if the recipient is from Ukraine or Belarus. In this case, it is better to use systems money transfers or electronic wallets. Because conventional methods will not be available.

People are wondering how much the commission will be if they use the official website. You will have to pay 1.5% of the amount the person transfers. This must be taken into account if you want to transfer funds from the card.

Using a mobile phone

We have already looked at how to transfer through Sberbank Online, but this is not the only way. Now you can use mobile phone to transfer money through it. Alternatively, you can download the Sberbank application and install it. Then, having access to the Internet, you will be able to transfer money to another person’s current account or card. It will cost exactly the same as in the case described above.

If the client does not have constant access to the Internet, he can be recommended to use Mobile Banking. This service can be activated through an ATM, the official website or at a branch of a financial institution. It will be possible to carry out monetary transactions via SMS.

Important! You must send a message in the following format to number 900: TRANSFER (card number) (amount). The parentheses should be removed and your information should be entered instead.

In response, you will receive a message containing a code to confirm the procedure. It should be sent as a new SMS, but first make sure the details are correct. Otherwise, you will have to issue a refund, which is not always possible.

Through ATMs and terminals

This method will be convenient for people who cannot transfer money via the Internet. You will need to find the nearest ATM or Sberbank terminal so that you can transfer funds through it. Overall the procedure is very simple and fast, and we will look at how the money transfer occurs.

Instructions:

1. You need to insert your card into the terminal slot from which you want to write off money.
2. You must enter your PIN to continue.
3. Of the total number of services, we are interested in “Payments and transfers”.
4. There you should activate the “Transfer of Funds” section.
5. You must accurately indicate the recipient's card number; it is important to make sure the numbers are correct.
6. Now you should enter exact amount, then confirm the procedure.
7. A receipt will be issued and must be retained until payment is received.

As a rule, funds arrive within 10 minutes. Maximum amount is 30,000 rubles, with a daily limit of 150,000 rubles. 1% will be taken from the transferred money, because there is such a commission at ATMs and terminals.

At the cash desk of a bank branch

This method is the simplest, because practically nothing is required from the client. You need to come to the bank with your card and recipient details. The person will be required to contact an available employee and ask to transfer funds.

Once all the data is filled in, the money will be sent to the recipient's account. In this case, the commission will be 2% of the amount, but it will not be less than 50 rubles and more than 1,500 rubles. As you can understand, this method is not the most profitable, but it is great for people of retirement age. If a person can use online translation, then it’s worth doing so.

When going through the procedure bank branch, the shipment will arrive within two business days. There are no limits on ruble amounts.

What difficulties may arise

You can often hear complaints from people that they were unable to transfer money from card to card on their own. The reasons for this can be different, so it’s difficult to say for sure what exactly went wrong. Perhaps there is not enough money on the card, because it is still important to pay off the commission. It also happens that the client does not enter all the required data.

If the shipment does not arrive for more than a few days, then it is better to contact the bank branch. Perhaps the person sent funds to the wrong card, in which case it is worth trying to return them. You must fill out an application indicating information about the transfer. However, it will be considered within a month, after which the employees will give a response.

It is recommended to follow the instructions, regardless of the method chosen. It is also important to be careful when filling out the data. There is no need to rush, especially if you have to send money using a new method. It is because of people's inattention that difficulties arise with transferring funds.