How to transfer money from a credit card to a salary

Cashless payment is becoming more and more popular all over the world. The spread of this method of receiving wages is determined by the relevant characteristics: convenience, profitability and simplicity.

Like any process, transferring money from a credit card to a salary card has a number of nuances and requirements that must be carefully studied before choosing the procedure in question.

How to carry out the operation

During the existence of plastic cards of credit and payroll type, several different ways of carrying out the operation have appeared:

using an ATM of a credit institution;
to the employee's mobile phone from a plastic card account;
through online services (any universal payroll account will do);
using numerous virtual money systems: Webmoney, Yandex.Money, Qiwi and other similar services;
through a special application on a mobile device.

Transfers from credit and salary cards are accompanied by the following points, the observance of which can bring additional benefits in this procedure:

If there are not enough funds when paying for goods in the store, then you can divide the purchases into two parts: spend cash on one, and funds from the card on the second.
Utilities can be paid without a commission if you use payroll "plastic". This can be done at a banking institution and using Internet services.
Organizations conduct various programs that allow you to return a certain part of the interest when paying with a card.
Funds can be used from the moment of enrollment.

It is worth highlighting among others modern methods of translation. The further spread of mobile phones and the development of Internet services will lead to the fact that delays and queues in banks will eventually disappear. This contributes to the saving of valuable time for both the client and the employees of the organization.

The principle of transferring money from a credit card to a salary

When considering each translation method, it is also necessary to determine the order of correct actions that helps to achieve the desired result without any complications:

ATM

When transferring funds through an ATM, you need to find the appropriate device:

Place the card in the device and dial the code;
Go to the "payments" section, then to "transfers";
Select the desired transfer option: by the number of the card or phone to which the "plastic" is registered;
Dial a 20-digit number;
Fill in the field for the amount of money to be transferred;
Carefully check the data to avoid erroneous actions;
Click "Next" and agree with the operation.

Internet banking

The Internet has existed for more than a dozen years, but the virtual services of banks have become widely used relatively recently.

This method is convenient and easy to use:

Initially, you need to register in the system. If the username and password are known, then you just need to log in.
Mark the desired card or desired account.
Select the payment destination.
Verify. And if all conditions are met, confirm the operation with the received code via SMS.

Mobile phone

Mobile devices and applications to them greatly simplify the life of a person in all areas of his activity:

register and connect mobile banking;
using a mobile phone from the number to which the account is linked, you need to enter an SMS with the following text: transfer - phone number of the recipient of funds - space - amount;
the message must be sent to a special number - it depends on the mobile operator used;
then an SMS should come, which contains the confirmation code for the procedure;
carefully check the entered data and the availability of the required amount of funds;
enter the verification code.

It should be borne in mind that this method is limited when translating the following points:

write-off cannot occur from a credit card;
cash limit per day 8 thousand rubles;
limit of operations per day - 10 .

To transfer money from a credit card to a salary card using Webmoney, Qiwi and other similar systems, you only need to link the card to such services.

Making a money transfer is pretty easy. A variety of methods allows you to choose the most convenient and practical way.

Sberbank is the largest credit organization in the Russian Federation, which provides the population with a wide range of relevant services

Instructions for Sberbank customers on transferring money from a credit card to a salary card

A huge number of people use credit and payroll cards of this bank. Such statistics make relevant information about transactions that relate to transfers from Sberbank cards. Therefore, it is worth considering in detail such a process.

Sberbank provides several ways to transfer:

Through the cashier of the organization

In this case, the list of actions is not too long: you just need to provide a passport and name the amount of the transfer. In this case, a commission is charged in the amount of 3% from the amount of transferred funds.

Using an ATM

put the card in the device and enter the code;
go to the "Transfers and payments" section, then to "Transfer funds between my accounts";
dial the number of the card to which the funds are being transferred;
determine the currency and enter the desired amount;
check the data with all your attention and only then click "Continue";
receive a check and a card.

Through a special service on the Internet

After that, you must follow the following steps:

select "Cards";
click on the desired card for transfer;
in the "Operations" section, go to the "Between own accounts" category;
indicate the amount of money to be transferred and the card number. After that, click on "Translate";
check the entered data and proceed to confirmation via SMS;
enter the received code and click "Confirm".

There is a clause in the policy of Sberbank according to which a commission is charged when cashing out funds. This also applies to translations. In particular, if cash in rubles - 1% of the amount, in foreign currency - 0,5% .

If you need to increase the limit on a Sberbank credit card, then two methods are possible:

Automatically

In this case, this happens when the following requirements are met:

no delays in payments;
active use more 6 months;
this limit is not the maximum limit for this card.

If these requirements are met, the bank may increase the limit on 20-25% . In this case, if a mobile bank is connected, the owner receives a notification via SMS.

According to the statement

It is submitted to any branch of the bank. To do this, you need a passport and a certificate of 2-NDFL. The latter is not mandatory if a salary card is opened in this credit institution. It is also necessary to observe the conditions that are inherent in the automatic increase.

In addition, the size of the limit is affected by the level of income, the state of the credit history in the bank itself and in other financial institutions.

It is also worth touching separately on the principle of calculating interest on a credit card. Sberbank establishes benefits for a period of 50 days. This means that interest will not accrue if the spent funds were returned on time.

This situation is valid only for non-cash payments. Whereas when cashing out through ATMs, the commission is charged in full.

Interest is calculated for each day the funds from the credit card are used, starting from the moment the money is spent and until the entire debt is repaid. Interest is calculated as follows: the interest rate is divided by the number of days in a year and multiplied by the remaining amount of debt.

To make the most correct choice, you need to familiarize yourself with the conditions of each credit institution and the banking system as a whole, which will minimize costs and save your own time and money during the operation

Service fees

Each bank offers its own characteristics and requirements, knowledge of which allows you to choose the most optimal organization that can best satisfy the necessary requests.

Bank	Withdrawal		To the card inside the bank		To a card outside the system
Bank	%	Min. (rubles)	%	Min. (rubles)	%	Min. (rubles)
	3	Not	—		—
	3,9 . With a Gold Platinum card - 2,9	Not	5,9	100	5,9	100
Citibank	399	4,9	399	4,9	399
	On the "Cash" card - 0	Not	3	300	3	300
	On the card "Purchases in plus" - 3	300	3	300	3	300
MTS bank	4	325	3	200	3	200
	2	300	2	300	2	300

Transferring from a credit card to a salary card opens up new possibilities for paying for various services. Modern offers of banks provide such a procedure with favorable conditions, simplicity and ease of use.