How to pay a loan in cash through the terminal. How to repay a loan through ATMs of various banks: Sberbank and Alfa-Bank

What are the benefits of paying a loan through a terminal?

Payment through the terminal is convenient. You do not need to find out, for example, the amount obligatory payment on a loan from a bank employee. The device will tell you this information. Using the prompts of the program installed on the device, you can easily find out the debt balance, credit card balance, statement of all payments for current loan etc. and so on.

5. In the next window, you can study in detail how the deposited funds will be distributed, to which account they are credited, etc. The system will ask you to confirm the operation - click “Next”. Load banknotes into the terminal and activate the "Pay" button. The procedure is completed.

• Funds are credited at different times. In one case, the payment is processed instantly,
• The commission for loan repayment using third-party payment systems/terminals is differentiated: from 1% and above. There is often a commission limit, for example, from 50 rubles. That is, you will have to pay this minimum amount, even if 1% of the payment amount is less. Another terminal system “delays” the receipt of money into the account for up to 3 days. Experts recommend paying the loan through the terminal 2-3 days before the repayment date.
• Try to pay the loan through “native” systems - machines/ATMs of your bank. Commission amount = 0.
• The payment receipt must be retained until funds are credited to your credit account.

Being a debtor of any institution, the client has several opportunities and sources for repaying the debt. Let's look at 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 are intended to be able to perform certain Bank operations without involving employees, i.e. designed to relieve the workload of branches and speed up processes.

Terminal capabilities for paying for other services

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

• Conducting transactions between your accounts (plastics).
• Depositing money to a card of any institution.
• Payment of fines, state 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, mobile phone replenishment.
• Connection and deactivation of services and additional banking services.

Today there are two options for repaying credit debt through a Sberbank terminal - by card and in cash. If you choose the second path, it is worth remembering the basic principle of the device, namely the ability to accept money, but without issuing change. Therefore, you need to collect the amount in advance that should be sent to the bank. When using a card, you need to make sure you have a sufficient balance.

When repaying a loan from another banking institution, it is worth knowing that this 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 keyboard.
2. In the main menu, click on payments in your region.
3. Select the loan payment section.
4. Specify the desired transaction method: by barcode or number. The first one is available if you have a receipt. The barcode located on it will need to be attached to the corresponding reading panel.
5. Having chosen the “by number” option, you should enter the account specified in the contract (20 digits).
6. The screen will display the current debt and account information. You need to check the relevance.
7. Enter the amount you want to credit.
8. Check all entered data and click “pay”.

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

Payment of a loan through a Sberbank terminal using a card (video)

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

Features of paying in cash at the terminal

By selecting the appropriate items, you need to get to the point of drawing up a payment order. Here you will also need to enter the account number, amount and verify all details. A subsequent window will ask you 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 receipt, which 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 will be required more often if you have entered more money than debt (due to lack of change). The surplus is usually used to pay off the principal portion of the debt.

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

Payments to another bank

The payment procedure is the same credit debt another banking institution. With one exception: you need to enter your account number of this institution in the payment slip. The exception is the use of a 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 bank’s advantages is an extensive network of self-service payment devices. They have a wide range of functions: conducting various transactions, including repaying loans.

Lending offered by Sberbank allows you to solve many problems large quantity of people. The bank not only provides profitable programs, but also has many ways in which payment is made. For example, it is easy to pay a loan in cash through a Sberbank terminal. In this case, it is necessary to take into account certain points regarding this option.

Performing a transaction at a self-service point has a lot of positive aspects. Almost no one will find it difficult to pay through the terminal, since the machine itself offers step-by-step instructions that you simply need to follow to complete the operation.

The bank cares about its customers and offers very comfortable service conditions. It is possible to make a payment through a terminal or ATM at any time of the day or night, since they have 24-hour access. To the main advantages this method

• include the following:
• efficiency;
• reliability and guarantees that the money will go to its destination;

Paying for a loan through an ATM is convenient not only for those who took it out from Sberbank, but also for borrowers who received funds from other banking organizations. In addition, borrowers can use the services of machines that provide them for other transactions. These include the following:

• transferring money from one card to another;
• replenishment of balance;
• connection " Mobile banking"or "Autopayment", as well as disabling these services;
• obtaining a login and password to access Personal Area virtual service Sberbank Online;
• payment for Internet and telephone, as well as public utilities;
• transfer to the accounts of organizations that provide other services.

Step-by-step instructions on how to pay a loan through the terminal

In order to pay for the loan step by step, the instructions are very simple. All stages are displayed on the machine screen, at each of which it is proposed to perform the next step. In general, it looks like this:

1. If you plan to implement cash payment, then you just need to touch the screen with your hand. And if payment is made via bank card, then it is inserted into a special connector, after which the PIN code is entered.
2. A menu will appear on the screen in which you should select the “Payments” section, and then click on “Loan repayment”.
   
3. A form will appear with cells that you must first fill out and then click on the “Next” button.
4. If all the data is entered correctly, all details about the client’s account will be indicated, as well as his personal data. Then all that remains is to indicate the amount to pay if a card is used, or insert bills into the receiver when making a cash payment.
   
5. Sberbank does not provide penalties for early payment of a loan. Therefore, the amount may be greater than that required for the next payment.
6. At the end of the transaction, you must take the check and keep it at least until the money is credited to the account, or better yet, until the entire loan is paid off.

Commission rates

Important! When using this payment method, funds are credited to your account in a fairly short time. If payment is made for a loan taken directly from Sberbank, then no additional fee will be charged.

And if the payment is made in favor of a third-party banking institution, then a certain commission will be charged. Its size depends on banking organization where the borrower received the funds.

Since 2008, loan payments at Russian terminals have increased more than fivefold, as this equipment significantly saves time in conducting various banking operations related to replenishment mobile phones, payment of utilities, as well as loans.

You no longer need to stand in long lines in order to transfer money to the card of your family and friends and choose a time for this, because using the terminal you can do this at any convenient time of the day, they provide service around the clock.

In this material, our experts will consider one of the most common financial transactions— loan repayment through various payment systems of Qiwi, Kassa 24, Sberbank, etc. terminals, we will give detailed instructions their use.

Terminal and its functionality

The terminal is a powerful financial device that not only allows the client to perform various banking operations without visiting a branch, but also frees the employees themselves from some of the paperwork, since many types of payments are processed automatically.

Home functionality This equipment is considered not only to repay the loan, it is also designed for other payment processes, some of which include:

• transferring money from card to card;
• payment for purchases, internet, air tickets, utilities;
• conducting operations on its own bank accounts etc.

As for repaying the loan, this procedure can be carried out in several ways: cash and non-cash payments.

Having electronic or money in hand, every user should know that the terminal operates without change, so before starting the payment process it is necessary to know exactly the fixed amount on the card.

Payment for credit services in Sberbank terminals

Are you interested in information on how to pay a loan through a Sberbank terminal? - then read the following information.

When applying for a loan at a bank, each borrower signs an agreement that has an original number, which will be required when paying for the loan through a Sberbank terminal. It is also necessary to indicate the debt account number (this is a 20-digit number).

The internal functional system of Sberbank devices is also designed to repay a loan received in another bank branch.

When allocating the amount required to repay the loan, the client must also take into account the commission, which depends, firstly, on the operation being performed, and secondly, on the amount of funds deposited.

Also, Sberbank terminals offer a lower tax for working with a card, and the cash payment process is about 0.3% more expensive.

Step-by-step instruction using the terminal to repay a loan using a Sberbank bank card contains the following points.

• A card is inserted into a specially designated place for the plastic equivalent, which is subsequently activated by entering a PIN code.
• By selecting the “Payments” category in the main menu, the user goes to the “Loan payment” section.
• The following indicates the method of paying the debt using a card: through a barcode or number. Through a barcode, payment is made only if the payer has a receipt in hand, which must be attached to the display on the terminal. If the borrower deposits funds using the number, he simply enters it on the device screen.
• Before depositing Money and confirming the entered information, you need to check the relevance of the account and check your last name with the original one.
• When you click the “pay” button, do not refuse to print out the receipt; it may be useful to you in the future.

Cash payments in this operating system are carried out in a similar way, only instead of a bank card number, the client enters the amount of the amount he wants to deposit and submits the money to a special window on the device, taking into account the commission.

For more detailed information, those interested can watch a detailed video on the Internet on paying a loan through a Sberbank terminal, shown in practice.

Instructions for paying a loan through the Qiwi terminal

Qiwi terminals are financial devices, which can be found on the streets, in supermarkets and other institutions. They, like other analogues of banking artificial intelligence, help carry out any monetary transactions, top up your mobile or Internet, transfer money to a card of any bank in the country and abroad.

There is a lot of information on how to pay a loan through the Qiwi terminal and more than one professional and amateur video has been submitted. The conclusion from this is simple - such operations do not have any complex steps, especially if a person has already made some payments through this device once.

By clicking the “I already paid” button, the user receives his own payment history and can continue working in the system using the saved form and phone number. If the client cooperates with such a service for the first time, he needs to go through several stages of payment.

1. On the screen you need to find the “Payment for services” category and go to the “Banking services” section and select “Loan repayment”.
2. Next, a list of Russian banks will appear on the screen, from which you must select the institution where the loan was opened.
3. According to the request, you need to enter all payment data - amount, number, account, etc.
4. By depositing money, the user confirms the payment and receives a receipt for the transaction.

It is worth noting that additional payment notification also comes in the form of SMS confirmation.

How to repay a loan through the operating system of the Kassa 24 terminal?!

How to pay a loan through the Kassa 24 terminal and what bank cards does it accept? These are the types of questions that concern our citizens, which we will help to understand.

Kassa 24 terminals are also considered no less popular among consumers, which allow you to pay for banking and utility services, deposit money into online game accounts, top up television, transport cards and so on.

Conduct payment transactions of this type to the system financial services You can use any bank card. To do this, you need to enter its number, expiration date and code indicated on the back of the plastic element.

By selecting the “Loan payment” category, the client can see full information about the required amount, as well as overdue, if any. In a separate electronic window, the payment amount is entered and the operation is confirmed. An instant receipt informs you of its successful implementation.

Thus, the terminal is a technology of our time that allows you to work with finances in your own temporary mode, without thinking about regularly visiting the bank and without postponing the main tasks in order to pay for your household and financial needs.

Each user can choose a point with a device in their own residential area or closer to the workplace. In addition, when repaying a loan in the terminal, the borrower does not need to provide a complete package of documents for the used loan.

A number of advantages of this type payment can also include instant crediting of funds to the specified account, which is so important when paying off a bank debt.

Pay for services using automated systems at any time of the day and save your time.

Some banks provide their clients 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 the loan and certain risks associated with crediting money to the account.

It's comfortable

Making your next loan payment in a supermarket or shopping center is much more convenient than making a special trip to a bank branch or even to the nearest ATM of a particular bank that accepts money. There is no need to waste time on the road, the procedure itself takes a few 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 operate around the clock and even on weekends. Yes, the payment system charges 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. Commission for transferring money via payment system on average is 4-5%, and sometimes more. Accordingly, if all loan payments 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 for this loan through payment system terminals, then total amount payments will increase by 4-5% and 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 the loan increases by almost 10%. At large amounts 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 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, is that it can take several days for money to reach a bank account through the payment system. The bank will consider the moment of making the next payment on the loan the moment the money is credited to the client’s account at the bank itself, and not the moment the money is deposited into the terminal, which in general can lead to a technical delay on the loan. This will also lead to the accrual of additional penalties and fines for late payments. Because transferred amount may not be enough to cover both the next payment and accrued fines, then the bank will charge penalties on the missing amount for each day of delay. In the best case, the client will learn about the occurrence of such a delay in a few days, and only then will he definitely have to go to the Bank and deposit 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 the bank, 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 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 according to an accelerated system and taken on short time, because It is precisely because of the relatively small amounts that people tend to treat this more frivolously, while the attitude towards more large loans, as a rule, much more serious. In addition, the opportunity to pay a loan through payment systems is provided mainly by banks specializing in consumer loans for short periods and small amounts. Everyone makes their own decision on how to repay the loan, but it is better to pay directly at a bank branch or through an ATM of the specific bank that issued the loan.