How much does it take to transfer money from alpha bank to sberbank
Cashless money transfers are fast and convenient. But only in the case when they are carried out between clients of the same bank. If the sender and recipient use accounts or cards of different financial institutions, you can forget about the instant transfer of funds. The timing of receipt of payment here will depend on specific banks. Let's see how much money goes from Alfa-Bank to a Sberbank card.
From Alfa-Bank's personal account, you can send funds to a Sber card in two ways:
- simple transfer from card to card;
- as a payment to another bank.
In the first case, as practice shows, the transfer arrives to the recipient within a day. In the second, the money can go up to three business days. This difference is explained by the fact that Alfa-Bank considers this operation as a transfer between accounts, and not between cards, and it takes more time. Therefore, if you want to speed up the process of transferring funds, choose the first type of transfer.
Important! The speed of crediting depends on which card you send money from - debit or credit. Credit card transactions are generally processed faster. This is also stated on the Alpha website: according to the bank, a payment from a credit card is processed from 5 minutes, while from a debit card - from 60 minutes.
Consider the recipient's card type
Sberbank issues plastic to its customers from different payment systems - Visa, MasterCard, Maestro, MIR, etc. Each of these systems works differently, which, of course, affects the transfer speed. Alfa-Bank itself, when asked “how much is the transfer of money from Alfa-Bank to Sberbank,” stipulates this nuance. So, if your recipient's card belongs to the typeMasterCard orMaestro, thenit may take three to five days for your payment to be credited to it. This only counts business days. If you are making a transfer on a Friday, be aware that it may not be done by anyone until Monday. And it is from Monday that the countdown of its processing time will start.
Important! At present (June 2017), transfers from Alfa-Bank accounts are not available to MIR system cards, which are also issued by Sberbank.
Don't forget the time difference
The term of any banking operations is counted in banking days. This concept does not mean a calendar day, but a bank working day. Since all payments are processed through the Moscow servers of financial institutions, the banking day must be calculated according to Moscow time. Suppose you are far from the capital, and the time zone of your city is two to three hours behind Moscow. This means that at the moment you make the transfer, your working day is still in full swing, while it has already ended in your bank. Thus, the payment may hang at least until the next day.
Tip: try to make all transfers during business hours in Moscow. So there are more chances that the money will go to your recipient on the same day.
Transfer via ATM
Everything written above concerned the transfer of funds from an Alfa-Bank card through its website or mobile application. But you can also send a payment to another bank from your plastic through an Alpha ATM. To do this, you will only need to know the recipient's card number, and, of course, have the necessary amount on your account. How much money goes to a Sberbank card from an Alfa-Bank card in this case? The financial institution promises instant crediting. But the downside is that such an operation is not available at every Alpha ATM. You can find a list of suitable terminals for your city on the bank's website.
