How to pay off a loan in the terminal. Loan repayment through ATMs and terminals

Loan programs Sberbank of Russia are able to meet the needs of the most demanding customers. To fulfill their obligations to users in a timely manner borrowed money must be paid within the specified time minimum payment and avoid delay. For convenient service, the Sberbank team provides several options for repaying debts. Payment can be made not only at the cash desk of the branch. Payment is also available at self-service terminals.

Service description

You can pay for a Sberbank loan at a self-service terminal.

What will the client need to work with the terminal? The user needs to take a plastic card with him. Cash payment is also available. First you need to clarify the amount of the monthly payment, the date of conclusion of the contract and the number of the credit account.

Step-by-step instruction

In the main menu on the terminal screen, you need to select the "Payments" section. Then you should go to the "Repayment of the loan" option.

Several empty cells will appear in the window that opens. Following the prompts, you need to write down the credit account number, which consists of twenty characters. You also need to specify the date of execution of the contract. The cell format contains "dd.mm.yyyy". After verifying the data, click "Next".

Terminals accept cash and cards for payment.

If the information is true, personal information about the client will appear on the screen (last name, first name and patronymic, the amount of the next payment in the context of paying the loan body and accrued interest, as well as information about the account and agreement).

Then you need to enter the amount. The amount of payment must not be less than the specified value. The terminal does not accept coins and does not give change. Therefore, you need to round the amount of the minimum payment up.

Sberbank of Russia does not use penalties for early repayment of debt on credit card. Therefore, you can increase the amount of repayment. The amount of debt will decrease. Recalculated interest will be used for subsequent payments.

After entering the amount, select the "Next" button. At the next stage, an inscription will appear on the terminal screen. The client can choose one of the payment methods Money- instant replenishment or preview of the distribution of the amount on the body of the loan and accrued interest. Regardless of the option chosen, the distribution will be reflected in the payment receipt.

As a confirmation of the operation, you need to select the "Pay" option. Then deposit cash or insert plastic into the card reader. Upon completion of the operation, you need to pick up the receipt. If the money is not credited to the account, you should contact the branch employee for clarification.

Funds can be credited to the account in a few business days.

It is necessary to take into account the rules for crediting funds. The repayment amount will be credited to the card in a few minutes. The enrollment may take several business days. Therefore, the replenishment operation must be carried out in advance, before the due date of the minimum payment.

Detailed payment information can be found in the video:

Key Benefits

Paying at a self-service terminal has a number of significant benefits for the user. How to pay a loan through the terminal at a convenient time? Simple enough. Sberbank of Russia has provided comfortable conditions for its customers. The branches provide round-the-clock access to the terminals.

The main advantages of the technology:

1. efficiency of payments;
2. reliability of the operation and guarantee of receipt of funds;
3. protection of commercial and bank secrecy, transaction security.

The loan repayment method is available not only to owners of Sberbank products. The terminal can also be used by holders of card products of other credit and financial institutions.

The main menu of the Sberbank terminal.

With the help of the device, you can perform many operations and pay a loan. The client does not need to worry about security. Each terminal is equipped with an enhanced security system. The user account cannot be used by third parties.

Additional functions of Sberbank terminals

With the help of self-service technology, it is quite easy to carry out many different operations:

1. Transfer money from card to open deposit or another bank card.
2. Top up your plastic card account with cash.
3. Enable and disable the "Auto payment" service, as well as "Mobile Bank".
4. Get a password and user ID to access Sberbank online.
5. Pay for the use of the Internet and communication services.
6. Make quarterly payments.
7. Transfer funds to the accounts of companies with which the bank has concluded a service agreement.

Some banks provide their customers with the opportunity to pay loans through instant payment terminals. On the one hand, this is convenient, because the availability of terminals is much higher than the offices of a particular bank or even an ATM network, on the other hand, this leads to an increase in overpayment on a loan and certain risks associated with crediting money to an account.

It's comfortable

Making the next loan payment in a supermarket or shopping center is much more convenient than going to a bank branch or even to the nearest ATM of a particular bank that accepts money. No need to waste time on the road, the procedure itself takes several minutes, in addition, the next payment can be made as if in passing, doing your usual business and without disturbing the usual course of life. Instant payment terminals work around the clock and even on weekends. Yes, the payment system takes a small commission for transferring money, but many consider this as a payment for convenience. It would seem that everything is perfect.

Underwater rocks

The first thing you should pay attention to is the overpayment on the loan when making the next payment through the instant payment terminal. The commission for transferring money through the payment system averages 4-5%, and sometimes more. Accordingly, if all payments on the loan were made through the terminal, then the total price of the loan taken increases by the amount of this commission. For example, the amount of all payments on a loan of 100 thousand rubles at 24.5% per annum for 12 months without additional fees will be 113,762 rubles. If you pay this loan through the terminals of payment systems, then total amount payments will increase by 4-5% and will amount to 118,312.48 rubles for 4% and 119,450.1 rubles for 5%. The difference, of course, is small - only 5 thousand rubles, but, generally speaking, such overpayments correspond to a rate of 33-34% per annum. Interest rate on the loan increases by almost 10%. At large sums loan or longer terms, the difference is much more noticeable. This effect is due to the fact that interest on the loan is charged on the amount of the debt, and the payment system commission is taken from the entire amount.

The second pitfall that may arise when paying a loan through payment terminal, lies in the fact that the money through the payment system to the bank account can take several days. The moment of making the next payment on the loan, the bank will consider the moment the money is credited to the client's account in the bank itself, and not the moment the money is deposited into the terminal, which in the general case can lead to a technical delay on the loan. This will also lead to the accrual of additional and fines for the delay in the next payment. Because transferred amount may not be enough to cover both the next payment and the accrued fines, then the bank will charge interest on the missing amount for each day of delay. In the best case, the client will find out about the occurrence of such a delay in a few days, and even then he will definitely have to go to the Bank and pay the missing amount. In our practice, there were cases when money went through the payment system for several weeks, and the bank did not inform the client about it at all. On the other hand, the Bank will definitely report this delay to, and further lending for such a borrower will be very problematic, and sometimes simply impossible. Our company was contacted by clients who received a message from the bank only a year later, in the amount of 11 rubles. Naturally, in credit history this client it was noted that he was overdue on a loan in the amount of up to 30 thousand rubles for more than a year.

The situations described in this article are mainly relevant for consumer loans, which are issued under an accelerated system and are taken on short time, because it is precisely because of the relatively small amounts that people tend to take it more lightly, while the attitude towards larger loans, as a rule, is much more serious. In addition, the ability to pay a loan through payment systems is provided mainly by banks specializing in consumer loans for short periods and small amounts. Everyone makes the decision on how to pay for the loan, but it is better to pay directly at the bank branch or through an ATM of the particular bank that issued the loan.

As a debtor of any institution, the client has several options and sources for debt repayment. Consider how to pay a loan through a Sberbank terminal, the capabilities and features of the equipment.

Self-service payment devices have appeared relatively recently and the goal is to carry out some banking operations without the involvement of employees, i.e. designed to relieve the work of branches and speed up processes.

Possibilities of the terminal for payment of other services

For the convenience of customers, self-service payment devices provide a wide range of functionality:

• Conducting transactions between your accounts (plastics).
• Depositing money to the card of any institution.
• Payment of fines, Mrs. duties, taxes.
• Making payments on loans to any institutions.
• Transfers to the account of legal entities and individuals.
• Transfer of funds for housing and communal services, Internet, replenishment mobile phone.
• Connection and deactivation of services and additional banking services.

Today there are two ways to repay credit debt through the Sberbank terminal - by card and in cash. If you choose the second way, you should remember the basic principle of the device, namely the ability to accept money, but without issuing change. Therefore, in advance you need to collect the amount that should be sent to the bank. When using a card, you need to take care of a sufficient amount of balance.

When repaying a loan banking institution, you should know that it is also available in both options - in cash or from a Sberbank card.

How to pay by card - step by step instructions

Instructions on how to pay a loan through a Sberbank terminal using a card look like this:

1. Insert your plastic into the card reader window. Activate it with a PIN code using the device's keyboard.
2. In the main menu, click on payments in your region.
3. Select the payment section of the loan.
4. Specify the desired transaction method: by barcode or number. The first one is available if there is a receipt. The barcode located on it will need to be attached to the corresponding reading board.
5. By choosing the option "by number", you must enter the account specified in the contract (20 digits).
6. The current debt and account information will be displayed on the screen. You need to check the validity.
7. Enter the amount that you want to enroll.
8. Check all the entered data, click "pay".

After the transaction, the amount specified by the client will be debited from the balance. It is worth picking up the check and keeping it.

Paying a loan through a Sberbank terminal using a card (video)

The video demonstrates the procedure for conducting various banking operations, including debt repayment, using a self-service device.

Features of cash payment in the terminal

By choosing the appropriate items, you need to get to the preparation of the payment. Here you will also need to enter the account number, amount and verify all the details. In the next window, you will be asked to enter banknotes. After sending banknotes, you can see that the deposited amount will be displayed on the screen. Then you need to click "pay".

The equipment will issue a check that is worth keeping. It indicates the distribution of the amount: the part that went to repay the principal debt and to pay interest. Such information is more likely to be required if more money is deposited than owed (due to lack of change). The surplus is usually sent to pay off the main part of the debt.

Upon completion, it is worth checking. It can be saddled personal account in the online service. When paying in cash, there is no transaction fee.

Payments to another bank

The payment procedure is similar. credit debt other banking institution. With the only exception: you need to enter the account number of this institution in the payment. The exception is the application of the commission. Since the operation takes place between institutions, you will need to pay 1-1.5%, depending on the tariffs of the institutions.

Conclusion

One of the advantages of the bank is an extensive network of self-service payment devices. They have a wide range of functions: conducting various transactions, including the repayment of loans.

Such financial service, as a loan, is used by many citizens of Russia, as well as people outside of it. Having received a cash loan at a bank branch, a person takes on credit obligations. They must be completed monthly. You can make the loan repayment procedure in different ways, choosing one of the most convenient. Today we will talk about how to pay a loan in cash through the terminal.

How to make payments

For simplicity and convenience of borrowers, most credit organizations draw up a payment schedule. It indicates the amount to be repaid and the date of the month. It is issued along with the loan agreement.

Before you start to figure out how to pay a loan in cash through the terminal, you need to find out the type of payment schedule. It can be drawn up according to the classical or annuity scheme. That is, payments are made in different or equal amounts.

It should be noted that it is necessary to repay the monthly debt on the loan in advance. In some cases, the transfer of payment may be delayed by two or three days. This is extremely rare, but it is better to protect yourself. So any borrower will be sure that the payment is not overdue and penalties are not charged.

Loan payment through the terminal

In order to make a payment on a loan through a terminal installed in a bank branch or a supermarket, you must have some documents with you. Must have props loan agreement, account number of the payee. All necessary data are specified in the loan agreement.

In the terminal menu, select the item with the approximate name " Bank operations", sometimes it can be called" Bank payments and translations. In it you need to find your bank. Next, select the payment section by details. At this point, you enter all necessary details and payment amount. Then the "Pay" button is pressed. Be sure to take and keep the receipt. It will be necessary in case of disputes with the bank.

That's all step-by-step instruction how to pay a loan in cash through the terminal.

However, it should be noted that in various bank terminals payment procedure may vary. So, in VTB24 terminals, repayment accounts payable is carried out using cards that are issued at the bank branch itself. It must be inserted into the terminal, select the menu item "Services and deposits". Here we select the "account replenishment" section and the currency in which the payment will be made. The following is the number of the credit account specified in the agreement. It remains only to confirm the transaction and pick up the check.

Now about how to pay a loan in cash through the Alfa-Bank terminal. In general, it is absolutely standard. To make a payment, you will need to indicate the number of the loan agreement, the beneficiary's account and the amount.

It is worth considering that the bank charges a commission when paying through the terminal. On average, it does not exceed two percent of the payment amount.

Such a simple instruction on how to pay a loan in cash through the terminal is understandable and accessible to every borrower.

Sberbank terminals

The most popular and widespread payment system throughout the vast territory of Russia are Sberbank terminals. Their number is approaching the mark of one hundred thousand pieces. According to the data provided by the bank itself, about five hundred million financial transactions. They also include the procedure for repayment of loans.

Let's figure out how to pay a loan in cash through Sberbank terminals. This operation is performed in just four steps, so anyone can easily cope with it.

In order to make a payment, you need Bank details specified in the loan agreement. They are the account number of the receipt of payment and the date of conclusion of the contract.

For convenience, this data is recommended to be rewritten and saved. So there will be no need to take with you all the documents, the contract every time. If you have the necessary data, you can proceed directly to the payment. To do this, select the item "Repayment of the loan" in the menu. Here it will be necessary to enter the data requested by the terminal. Once this is done, the amount to be paid will appear on the screen. Of course, you can deposit more money. They will be credited to future loan payments. But the amount less than the specified amount will not work. The Bank does not provide for a procedure for dividing the monthly payment into several parts. It is recommended to carefully check the accuracy of the entered data, this will avoid errors when crediting funds.

Now you can start depositing money into the bill acceptor. It is worth remembering that the terminals do not give change. Therefore, it is worth taking care of the availability of the required amount in advance.

Be sure to take and keep your receipt. It is recommended to save them until the full repayment of the loan and longer.

Loan payment via Qiwi terminal

Qiwi terminals are not less popular among the population. Previously, the payment system was called "Mobile Wallet". Almost half of all terminals belong to the Qiwi system. They can be found in almost every shopping center and even in small shops. They can pay for many services, including loan repayment.

It is desirable to be the owner of a Qiwi wallet, but if the borrower makes a payment in this way for the first time, the system will create it automatically. For this reason, when carrying out this procedure, you must have a mobile phone with you. An SMS will be sent to the number with the necessary data.

Then it remains to select the item "Payment for services", then go to the section "Banking services" and "Repayment of the loan". Here is selected desired bank and enter the rest of the data. After that, you can deposit money into the recipient's account.

That's the whole instruction on how to pay a loan through the Qiwi terminal in cash.

What is the commission for Qiwi terminals

However, before introducing monthly payment for a loan, it is important to consider some points:

• Terminals do not give change, for this reason it is worth preparing a change in advance.
• For the operation, the Qiwi payment system withholds a commission. It is 1.5 percent of the deposit amount. But at the same time, it cannot be less than fifty rubles.
• You cannot make a payment of more than fifteen thousand rubles at a time.

That's all the main nuances of payment.

Payment through other terminals

How to pay a loan through a Sberbank terminal, of course, but how to carry out this procedure in other banks? In general, it is standard everywhere. The names of the menu items may differ only slightly. But the process itself remains unchanged.

The menu item "Payments and transfers" is selected, the necessary data are indicated. Then the money is deposited and a check is issued confirming the payment. It must be kept until the full repayment of the loan.

The procedure for paying a cash loan through the terminal does not have any difficulties.

How quickly money will be credited

In the vast majority of cases, the deposited funds are credited instantly or within fifteen to thirty minutes. Sometimes, when the payment system is very busy, the payment can arrive within one day. In rare cases, the money is credited to the account longer. But in general, this takes three days.

What to do if the payment is not received

When making a payment through any terminal, you must take and save checks. They may be required in situations where the money has not been credited to the account of a credit institution.

In this case, you must come with a check to the bank branch. You can also find out about the status of the payment by calling the phone number indicated on the check. Payment system will receive data about it by check number.

However, there are also cases when the money was not credited to the account due to an error made when entering the data. In this case, the lost amount will not be returned. For this reason, you should be as careful as possible when entering data.

How to pay for a loan - read about it in our overview of ways to repay debts.

At the moment there are many various ways making monthly loan payments. And, not only the size of the commission for payment, but also the timeliness of crediting money to your credit account will depend on which method you choose. After all, some of the above methods of paying for a loan imply a payment period of up to 5 days. Therefore, you need to be extremely careful when choosing a payment method so as not to be in debt.

Through the bank teller

One of the most obvious, but still the most reliable way to pay your loan is through the cash desk of the bank that issued you the loan. First, the possibility of errors is minimized. Secondly, the money will be in the credit account within a few minutes, which means that you can pay the loan directly on the payment date. Thirdly, no commission is charged for this payment method (with rare exceptions, for example, Eastern Express takes a commission). Of the shortcomings this method we note only one - the time spent on the road to the branch and the queue at the bank. To pay through the cash desk of your bank, you need a passport and a credit agreement number.

If you decide to pay a loan at another bank (by wire transfer), then be prepared to pay a commission of 1-3% of the payment amount. In addition, the transfer can be carried out up to 3 working days, therefore, deposit money in advance. To pay for a loan through a cash desk of a foreign bank, in addition to your passport and the number of the loan agreement, you will additionally need the full details of your loan account (Name of the bank, BIC of the Bank, account number).

Through an ATM

Paying a loan through an ATM has one significant advantage over the previous method - saving time. There are more ATMs than bank branches and the queue at the ATM is also minimal. Payment can be made in cash or by transfer from a bank card.

If you pay for a loan at an ATM of your bank, then in most cases no commission is charged (again, the exception is Vostochny Express Bank). The money will be credited to the account within a few hours, a maximum of one business day.

When paying for a loan through an ATM of another bank, you will be charged a commission. For example, at Sberbank ATMs, a commission of 1% (when paying with a card) or 1.5% (when paying in cash) is charged for repaying a loan from another bank through an ATM, but not more than 1000 rubles. At the same time, keep in mind that the money can be in the “way” for up to several days.

Payment terminals

This method is attractive except for its availability: various terminals are located in almost every store. But, the commission for making a payment can reach 7-10% of the amount. Expensive. And, besides, the money will go to your account from several hours to several days. That is, again, payment must be made in advance.

Internet banking and mobile banking

This method is one of the newest and most technologically advanced. Paying a loan in this way is fast and convenient. All you need is bank card any bank and a connected Internet bank (or a similar application for a mobile phone), and money on the card. The transfer is carried out from the card account to the credit account (according to details).

If the loan and the card are issued in the same bank, then no commission is charged and the transfer takes place almost instantly.

If the card and credit are open in different banks, then a small commission in the region of 0.3% -0.5% of the transfer amount will be debited from your card account. In this case, the payment can also take several days.

Post office

It is possible to make payments for credit and postal transfer. To be honest, we do not see any particular advantages in this method. Not only is there a queue at the post office at any time of the day, but a commission for a postal transfer to pay for a loan is charged at a rate of 1-2%. In addition, the term for crediting money to the account reaches 5-7 working days. That is, you will need to pay the loan at least a week in advance.

In the accounting department at work

You can also ask your accounting department to debit the loan payment directly from your payroll account. This is convenient, you do not have to be afraid that you will forget to make the next payment. The commission and the transfer time in this case will be more modest than with a cashless transfer of funds through the cash desk, since the transfer fees for legal entities below. In order to pay the loan in this way, you need to write an application in your accounting department indicating the details of the loan account. The terms for transferring funds are set by your company.

Which method you prefer is up to you. But always have a fallback option, as it is not uncommon for you to not be able to pay the loan in the usual way, for example, your bank branch has closed or an ATM has broken down.