Transfer money online without commission. Transfer from card to card without commission - which banks send money for free through their payment services

Universal function of a bank card – role of access key to personal bank account . This account is called a special card account (SCA). The bank opens such an account for the client to carry out all transactions using a bank card. The card does not have its own special account, if it is prepaid, or several cards are linked to one single account.

A bank card can be used in non-cash payments(also on the Internet), to withdraw cash from your account or top up your account through an ATM or cash dispensing points.

That they are sometimes called credit cards or credit cards, is not correct, since cards are also debit.

What types of cards are there?

A credit card or a debit card is determined by which account it is attached to or which account is the main account for the card.

There are cards attached to multiple accounts. These cards are called multicurrency. It may be the other way around - several cards are linked to one account. Some banks provide the client with the opportunity to replace the main card account with another card account opened with the same bank.

Prepaid cards exist without an account. This could be a gift option or an alternative traveler's checks. Such cards do not require identification of the owner to be issued and can be used anonymously. The most common international payment cards in Russia Visa and MasterCard.

Such cards are the property of the bank that issued them. The client remains only the holder and is obliged to return the card to the bank as soon as it is requested. A standard plastic card has dimensions of 86 x 54 x 0.76 mm and has a magnetic stripe - an information carrier.

On Russian market There are also microprocessor cards with PayPass technology and a transport application. On the front side of the card, as a rule, there is some kind of image. Each card must have its own number and expiration date. The card issued on a physical medium contains the name of the bank, the logo of the payment system and the name of the owner (not always).

The magnetic stripe and paper strip for the owner's signature are on the back of the card. Some categories of cards have CVV2 or CVC2 codes. A bank card can combine technologies and work in several payment systems.

About transferring money from card to card

To transfer money to another person, people are forced to meet in person or use various money transfer services, which often charge exorbitant fees for services. Not everyone knows that a small piece of plastic in your wallet will help you quickly and very easily transport the required amount to any point on the globe. How to transfer from one bank card to another? Let's answer this question in detail.

This service is often used by small entrepreneurs without registration, freelancers, remote workers, etc. Online trading also involves payment by transfer to bank cards. Remittance a relative or friend may need it, for example.

Sometimes an urgent replenishment is needed when the card is forgotten at home and the payment is about to expire. Missing the repayment deadline leads to fines and, in addition, spoils credit rating, which is extremely unpleasant for the bank client.

Transfers from one card to another are important for banks because they allow them to relieve the burden on their offices. It is also convenient for the user to log into the network and transfer money in a few minutes. So, there is mutual convenience between the parties.

Transfer from card to card via the Internet

To perform such an operation you need to get into your personal account. There may be differences between banks on how to do this. But it's not difficult, despite some differences.

We will assume that you have successfully logged in. Now you need to fill out the template indicating the details of the transfer recipient, deposit the amount and send the money. If the sender and recipient are clients of the same bank, then just enter the plastic card number. If the recipient has a card from another bank, he will have to additionally enter his personal data and bank details.

To protect customers from cyber fraudsters, banks have introduced a “Temporary Password” system. Sberbank, TKS, Citibank send SMS messages to mobile phone client with a transaction confirmation password.

Transfer from card to card via ATM

If you do not want to register in your personal account, the transfer to the card is made through an ATM. This service is supported by almost all popular banks - Sberbank, Alfa Bank and others.

In order to make such a transfer, you need to insert your card into the ATM, confirm the legality of its use with a PIN code and select the “Transfer of funds” option.

After everything has been done, just like in your online personal account, you will need to enter the details of the recipient of the money and send the required amount.

Transfer using a mobile phone

Another one from card to card. For example, Sberbank provides this opportunity at any of its branches, but you will need to issue a special order indicating the card numbers to which the transfer will be made. All you have to do is send an SMS indicating the card number and the transfer amount - and the money will be sent. One significant amendment: such transfers can only be made between Sberbank clients.

By the way, transfers from card to card of Sberbank within one branch are made free of charge, and for transfers outside the branch you will need to pay a commission of 1% of the transfer amount. If you send money to a card of another bank, you will be charged a commission of 1.5% (Alfa Bank) to 2% (Gazprombank).

Transfers are carried out, as a rule, only with debit cards. WITH credit cards Banks, as a rule, do not support transfers. The exceptions are Svyaznoy Bank and Russian Standard Bank, but the commission for such transfers is already 4–5%, even if the transfer is made to your bank’s card.

Can be translated without using banking systems. To do this, you can use, for example, the services of the PayOnline processing center.

Transfer from card to card is a simple, convenient and secure service that allows you to transfer funds between bank cards Visa, MasterCard and Maestro, WORLD.

Transfer money on the Vostochny Bank website, through an online or mobile bank, using self-service devices with touch input - payment terminals and some ATMs, using self-service devices - payment terminals and ATMs.

How to make a transfer

To make a transfer, you will need to know the recipient's card number and the sender's card details. The service is provided for cards issued by any credit institution resident Russian Federation. On the Vostochny Bank website, transfers to cards issued by banks registered in foreign countries are available.

Complete transfer security:

• Provided by 3DSecure technology (Verified by Visa/MasterCard Secure Code). The transfer is confirmed by entering one-time password provided via SMS to the transfer sender by the card issuing bank.
• The ability to transfer from a card that does not support 3DSecure may be limited. To connect to 3DSecure, contact the bank that issued your card.

Check your browser!
The service is available for the following browsers:

• Internet Explorer, version no lower than 10
• Mozilla Firefox, version 27 or later
• Google Chrome, version no lower than 34
• Safari, version no lower than 5.1.7.
• Opera, version no lower than 20.0

Information support:

• A transfer confirmation receipt will be sent to your e-mail.
• You can get advice on how the service works by calling 8 800 100 7 100. The call is free throughout Russia.

The service is provided by Best2pay LLC, go to the website.

* The term for crediting funds depends solely on the bank that issued the transfer recipient’s card and can range from several minutes to several days.

The task of how to transfer money from card to card confuses a person; he does not want to waste a lot of time, pay a commission to the bank, or understand the various nuances of online transfers. However, in order not to lose money, you have to learn all the intricacies banking conditions, look for additional details to be sure that the funds went to the intended recipient.

Methods of transferring money from card to card

Many structures offer their clients such a popular thing as transferring funds from card to card. The account may belong to this banking structure or another issuer. Under such circumstances, the task becomes more complicated, but has a solution, you just need to follow everything exactly bank instructions. There are several ways to transfer funds:

• using the services of a bank teller;
• through an ATM of a given banking organization;
• on the Internet, online;
• using Mobile Banking on a smartphone;
• through Yandex (Yandex) - wallet, or other payment systems, if the transfer is required to be anonymous.

Via ATM

Clients who are solving the problem of how to send money from card to card ask the operator about necessary actions, but since such a question is software banking support allows you to decide without human intervention, the operator can offer to use the services of a self-service device. How to transfer money to a card through an ATM? If you want to deposit cash into your card account, you need to find an ATM that accepts paper money and follow all the instructions displayed on the display.

If you need to transfer money non-cash using an ATM, then you need to have before your eyes the necessary data to enter the numbers correctly. The service is available for Visa and Mastercard users. In addition, the banking structure whose self-service machine you use may charge a certain commission percentage.

Online

If you don’t want to constantly run to an automatic self-service device, all the time checking with the recipient’s details written on a piece of paper, risking paying the wrong person, then online transfer from card to card, advertised by all banking organizations that have such an option for their clients, will help. You can safely do Internet banking by checking the prompts that appear in the menu. This quick way Suitable for money transfers using Unistream or Western Union systems.

Via mobile banking

A popular way to transfer funds to a card via phone is to use mobile banking. People are confused about how to send money through mobile banking. You need a smartphone, a card account and an ATM from the issuer that opened it. After connecting to the service, the subscriber can control any movements from his account directly from his phone, constantly checking the balance via SMS messages. This is very convenient because everyone always carries their phone with them, and you can constantly be aware of events in any circumstances.

How to transfer money from a card to a Sberbank card

Being one of the five largest banking holdings, Sberbank is constantly improving the transfer system for its clients. Transferring funds from card to Sberbank card is completely automated process, which takes place with minimal participation of operators who help transfer money from a card to a Sberbank card with tips and instructions for the necessary actions. Sberbank offers many transfer methods. These include:

• use of an automatic self-service device;
• through Sberbank online, using Internet banking;
• through a mobile bank, when reconciliation occurs by phone number;
• directly with the help of an operator, in difficult cases or when the machine malfunctions.

Via ATM

A simple and friendly user interface helps you transfer money from a card to a Sberbank card through a Sberbank ATM. After finding a nearby self-service device and entering the hidden code, the procedure for transferring money will be as follows:

• in the drop-down menu you need to select the required button;
• collect all data. You need to be very careful about the correctness of the collection so as not to send funds to another recipient.

Via mobile bank using card number

Mobile services- this is a great opportunity to transfer money from a card to a Sberbank card using the card number. The service is available when Sberbank itself is the issuer of both card accounts. To deposit the required amount, you need to do the following manipulations: generate a message to the service number 900: Transfer 9876543210987654 5000, where:

• “Translation” is a service word that can be written in any register;
• 9876543210987654 – recipient’s card numbers;
• 5000 – the amount of funds in rubles that needs to be transferred.

Mobile banking - by phone number

A service where a person can send money to people in need without knowing their card credit or debit account and operating only phone number, is available when the recipient has mobile banking. To transfer funds via phone number to the card via 900, you need to generate an SMS message like: Transfer 9ХХХХХХХХ 5000, where:

• “Translation” is a service word written in any register;
• 9ХХХХХХХХХ – recipient’s phone number;
• 5000 – transferred amount in rubles.

After this, the system sends a message with the account number from which the funds will be withdrawn, the recipient’s full name, and a confirmation request. To confirm, you need to send an SMS message, which consists of indicating the hashtag # and a special code. If confirmation is successful, the system notifies you that the transfer has been completed and the funds have been received by the subscriber, indicating at the same time your balance.

In your personal account

To transfer amounts online in Internet banking, through your personal account, you need to register there. Then a one-time password will be sent to the fixed linked number, which is entered in the window provided for it. This opens up access to funds in the account. By clicking on the desired button, select the required action option. Next, in the drop-down field, enter the number of the card account where the transfer is planned.

Tinkoff

Instant interest-free transfers of funds from the Tinkoff banking structure from card to card are made both if you have a personal account and through a smartphone application, by installing which you can make transfers to Tinkoff accounts or other banking organizations. In the latter case, the commission will be 1.5% of the recipient’s account top-up. The maximum limit on the amount of funds that can be transferred is less than 80 thousand rubles.

Alfa Bank

The advantage of sending money from a card to an Alfa Bank card is that you can transfer funds to the recipient in any monetary units to various regions of Russia. To do this, you need to carry out the following manipulations:

• find “Alpha click”;
• select “Translations”;
• select the desired button from the drop-down field;
• then enter the data of the person receiving the funds - the number, expiration date of his card account, his address and full name (the field is filled in if the card account belongs to another issuer);
• the amount of the amount, in dollars or rubles.

VTB

The peculiarity of this bank is that its service even charges for internal transactions, so for a transfer from a card to VTB card you will have to pay a tariff of 15 rubles per transfer. The limit of the transferred amount is 100 thousand rubles. You can make a transfer:

• through an automatic self-service device;
• in Internet banking mode, via ;
• taking advantage home page VTB website.

How to transfer money from card to card between different banks

All banking structures They try to provide customers with the opportunity to transfer money to other issuers, but the commission for transferring from card to card varies. Some holdings do not charge commission amounts, Sberbank, Gazprombank, Promsvyazbank and VTB do, and from VTB percentage varies from 1.205 to 1.75 from where and from where the money is transferred, and Sberbank takes 1.5% if the transfer is made from its account to another issuer. Promsvyazbank and Gazprombank take 1.5% of the transferred funds.

Video

Necessary financial aid must be on time. Transferring cash does not always help in such a situation. This can be simplified using non-cash transfers. It is rare to meet a person who does not have plastic cards, so transferring money from card to card via the Internet will solve the problem of transferring funds to the desired recipient.

The service is available to almost any owner of all payment banking systems used in the country, for example, MasterCard or others. The operation can be completed if there is a sufficient amount of money in the card account.

How to transfer money from card to card via the Internet

Successful completion of such a transaction is possible by using the services provided by the card issuing bank, as well as third-party verified resources. As a rule, banks act as guarantors in these operations, through whose correspondent accounts transfers are made.

Making a transfer using online banking

It is possible to transfer money from card to card via the Internet without commission within the same bank. This means that the recipient's and executor's cards must be issued in one financial institution. At the same time, access to Internet banking will facilitate and speed up the operation. To obtain identifying details, you should contact a branch or call a service center operator.

Transfer using Sberbank

Sberbank offers such a service as Sberbank Online. After entering your login (this is an identifier) ​​and password on the company’s main website, you must select the link “Transfer to a Sberbank client” for transfer to another client of the same institution, or “Transfer to another bank” for external sending.

Next, you need to determine the card account from the drop-down list from which the debit will take place, and enter the recipient’s card numbers, if this is done for the first time. For subsequent similar translations, you can use a template prepared in advance. The numbers on the card are written in a row without spaces.

Below is the amount to be sent. Enrollment in most cases takes only a few minutes within one financial institution. Money may arrive to card accounts of other banks with a delay of up to five days. The normal time for crediting can be called an increase in the recipient's balance the next day. Similar conditions will apply to other banks.

Tariffs for sending via Sberbank

Transferring funds from card to card is free within the city. List settlements is indicated on the bank’s website and is updated regularly. When sending to MasterCard card, issued by another bank, a commission is taken from the one who initiated the transfer - one and a half percent, but not more than a thousand rubles. The currency limit will be one-half percent, not to exceed one hundred and fifty dollars.

How to transfer money from card to card without registration

Transfer non-cash funds from the card is also carried out without logging in personal accounts. Such a service is provided, for example, by Alfa-Bank for all cards that meet the terms of the agreement for the provision of these services.

Sending money using the Alfa-Bank service

Filling out the transfer form takes a little time. You just need to know the correct and complete details. In order not to make a mistake, it is better to have in front of you the plastic from which you plan to write off for the first time.

In the window for the number of the initiator of the shipment, the numbers on the front side of the plastic are entered, as a rule, there are sixteen of them. There is no need to put spaces between them. Next, three more fields are filled in. From the drop-down menu, after clicking the triangle in the second window, select the month the card is valid. It is located below the number on the map. Similarly, select the year until which the donor card is valid.

On the back of the plastic, on the line where the owner puts his signature, there are three secret numbers. This is an encrypted CVC2 / CVV2 code for Internet transactions. It also fits into the corresponding window. Enter the amount of the intended transfer below.

Only the recipient's card numbers are entered on the right. No more details are required from him for enrollment. Next, the user confirms agreement with the terms of the transaction by checking the box. Now you can click “Send money”.

Tariffs for sending via Alfa-Bank

The amount that the system takes as a transaction fee can be immediately seen when creating a transfer. It is automatically added to the funds sent, and the total for debiting is displayed below.

Between Alfa-Bank clients, these transactions are carried out free of charge and without delay. When making an external transfer to an Alfa-Bank card, the initiator will pay half a percent, but a minimum of 30 rubles. From different cards to any cards you will have to pay 1.95%, but also from 30 rubles and above.

This service provides services international transfers in dollars. The transfer fee from Alfa-Bank card accounts issued in the Russian Federation, Ukraine, Kazakhstan or the Republic of Belarus will be charged in the amount of one dollar or 30 rubles one-time, plus one and a half percent of the amount. For any other cards - 40 rubles or 1.30 dollars plus two percent of the amount.

Restrictions on sending between cards

One transfer cannot exceed 75 thousand rubles. If it is carried out in dollars, then the limit will be two and a half thousand. The number of transfers for each card is limited to fifty per calendar month. The total amount of all funds written off should not exceed 160 thousand. At the same time, for international transfers sent using this method, the limit is 80 thousand rubles per month.

Sending is prohibited:

• from corporate, credit and virtual card issued by Alfa-Bank;
• from any card foreign bank VISA systems;
• from card to card of Alfa-Bank of the Russian Federation in different currencies;
• from a card without 3dSecure system;
• between plastic cards legal entities.

In addition, banks that issued cards can independently set restrictions on such transactions. It is better to find out about this by calling the operator or on the official website. Often such restrictions can be easily removed permanently or temporarily by calling the bank that opened the account.

Deadlines for transfers

Clients sending from cards to Alfa-Bank cards receive almost instant credit, since the information is transferred within the same bank. External recipients are credited to VISA system cards in thirty minutes. Other transfers arrive in 1–5 days. In very rare cases, the money may be returned back to the recipient.

Transfer using Tinkoff Bank service

One of the most efficient Russian banks, which even has international recognition in this area from the Markswebb Rank&Report agency, also solves the issue of transferring non-cash funds between cards. The service is available at www.tinkoff.ru/cardtocard/.

The client just needs to enter the relevant information in the required fields on the card of the payment initiator and the recipient of the funds. Next, specify the amount to send, and the commission will be calculated automatically. By clicking on the send button, you can be sure that the money will be credited on time and in full. In this case, the commission amount from third-party bank cards will be only one and a half percent, but not less than thirty rubles.

Card transfer using Yandex.Money

It happens that technical work is carried out on banking websites, and often at this time there is no access to convenient and familiar services, but you urgently need to send funds to the card. The most popular search engine will come to the rescue with its own method of transferring funds.

Transfer from card to card using the Yandex service

Filling out the fields will be standard, as will the details for the operation. The commission for the provision of services will be 1.95%, but not less than forty rubles. You do not need to be registered on the site to operate.

Security during transfers

When making transactions with bank cards, you need to be sure of the security of transfers. At the beginning of the line with the site address there should be a designation of the encrypted protocol with the symbols:

It is also necessary to install an antivirus with the latest updates on your computer, which does not allow unauthorized interception of entered card parameters.

A convenient money transfer service that solves many financial difficulties our citizens, is provided by many banks in our country. Transferring money from card to card is possible between clients of the same bank or different ones. The service is provided at each bank, and you need to pay a small commission. If you do not want to stand in bank queues, it is possible to carry out the transfer operation yourself via the Internet or a self-service terminal. Be prepared for the fact that not all banks transfer any currency; some transfer only government currency.

Transfer from card to card commission

Let's take a closer look at the issue of transferring from card to card, the commission of which is determined by each bank individually. In some banks, there is no commission for transferring one between two clients. In most cases, its amount is 1% of the transfer amount or more. If you want to transfer money to a card from another bank whose client you are not, you will have to pay a higher commission. In any case, such a service will not entail any special expenses. Special financial electronic systems they also require a transfer fee, but in this case it is small.

Transfer from card to card online

Many banks have created a special Internet service that allows you to transfer cash using the Internet. Transferring from card to card online will allow you not to leave home and save time. In most cases, to use this service you need special permission the bank from whose card you want to make an online transfer. Remember that leaving your card number on unverified sites is not safe. Also, do not write a PIN code or a special three-digit code. Do not distribute such information, scammers are not asleep and are waiting for any loss of vigilance on your part.

Transfer from card to card via the Internet

There are several ways on the Internet to “transfer money” from card to card. These are both the services of the card issuing banks themselves (Internet banking, online services) and third-party services. Thus, transfers from card to card are carried out by transfer systems Unistream, Anelik and some others. At the same time, you can work with MasterCard, VISA, and foreign cards (for example, American Express and others).

Within one financial organization It is enough to know the card account number, but to transfer funds to another bank you also need (to choose from, depending on the bank):

personal data of the recipient (full name),
Name of the bank,
BIC and TIN,
the actual account number.

Transfer from card to card of another bank

This translation can be done in many convenient ways:

through the hotline operator,
in mobile banking,
in Internet banking,
at your bank branch,
through payment machines and ATMs.
When transferring funds to a card from another bank, be prepared to provide as complete information as possible about the recipient. And this, among others, is personal data (full name, passport data, etc.), as well as all information relating to the card issuing bank:

full name of the organization,
BIC,
TIN,
account number to which funds are credited.
An important nuance: in most banks, transfers within the same bank (and, as an option, within the same city) are carried out without commission or restrictions. But transferring funds to a card of another bank may require both payment for the services of your bank and payment for the services of the issuing bank of the second card!

Features of transfer from card to card

The money transfer service operates between cards issued by any bank in our or another CIS country. In order to make a transfer, you only need to know the recipient’s card number, which can be of any type: Visa, VisaElectron or MasterCard. The peculiarities of a card-to-card transfer are such that once you send it, you are unlikely to receive the money back. You can conduct it yourself financial operations between cards of different financial systems and for different purposes: credit, salary or universal. But the limit may also depend on the transfer method.

Instant transfers from card to card

Banks are improving their service, and now instant transfers from card to card is an everyday reality taken for granted. You can choose any service convenient for you and enter the necessary data in the fields. You will most likely need a mobile phone if you are transferring money yourself. Every self-respecting bank provides such a service that is available to all clients. The recipient can withdraw the money from any branch that is available to him or through an ATM. On the Internet you can track everything Bank operations, and through an ATM - check your account.