Pay the loan using your passport. Where can I repay my loan?

Recently, Sberbank has been striving to make loan repayment methods as accessible and convenient as possible for borrowers. Now you can make your next payment or pay off your debt without visiting a bank branch or ATM, 24 hours a day, without leaving your home.

You just need to have a device (computer, laptop or mobile phone) with an Internet connection on hand to access the online bank https://online.sberbank.ru

You can repay a loan through Sberbank Online:

transferring funds from any account to a credit account;
by contract number;
by setting up automatic payment.

Internal transfer to a credit account in Sberbank Online

This method is convenient when, in addition to a loan, you have a salary or other Sberbank debit card. You can deposit the necessary funds into it, and then make the next loan payment via internal transfer in your personal online banking account. Let's look at the whole process in more detail.

In the main menu, find the item “Payments and transfers” and click on it. On the page that opens, you will see the section “Transfers between your accounts and cards”, and under it the link “Repaying a loan at Sberbank”. Follow this link.

Under the form, you will be offered recommendations on the amount of payment - the total amount, the amount of principal and interest. For convenience, you can copy the amount recommended for payment or specify a slightly higher value - this way you will close the loan faster and overpay less on interest.

Click “Pay” to partially or fully repay the loan, confirming the action using the code sent by SMS when making the payment.

Loan payment by agreement number

If you have several loans or credit cards, this method will help you avoid erroneous payments and misunderstandings with late interest.

You can find the loan agreement number in the documents that were issued to you when applying for a loan at a bank branch, or in Sberbank Online. Let's consider the second option.

In your Sberbank Online personal account, go to the “Loans” section by clicking on the corresponding main menu item. All your current loans are displayed here. Click on the desired one to see full information:

amount
payment amount

Here you can find the loan agreement number. Copy it or do not close the tab.

In a new window, open the “Transfers” section and select the “Between your accounts” option. Specify the debit account and the credit account (loan agreement number) and click the “Transfer” button. In the confirmation window, check all the data again and click the “Confirm” button. Wait for an SMS message with a code to confirm the payment, enter the code in the appropriate field. The payment has been made and will be credited to your credit account shortly.

Setting up auto payment for a loan

If you often forget about loan payments, the most convenient service will be auto payment. It is especially convenient if monthly transfers of funds are made to your Sberbank card, for example, salary. The required amount will be automatically debited from the card on time to repay the loan.

After logging into your Sberbank Online personal account, go to the “My auto payments” item in the Personal menu on the right.

Select the tab you need “To your card” or “To a Sberbank client” depending on the characteristics of the loan.

Specify the deposit account and the debit account, set the payment term and amount, and confirm the transaction with the code from the SMS message.

Paying a loan online with a bank card

Payment using a bank card is no different from the methods listed above. Pay special attention to the card number from which the credit payment will be written off and ensure that funds arrive on the card in a timely manner.

Repaying a loan taken from Sberbank

In addition to all the above options for paying a loan through Sberbank Online, you can choose one of several alternative methods for repaying a Sberbank loan:

Contact the accounting department of your company and issue an order for a monthly transfer of part of your salary to a credit account, providing its details;
If you have a Sberbank bank card, enter into a banking service agreement at any bank branch, under which the monthly payment will be automatically debited from the card to pay off the debt;
Also, you can enter into an additional agreement for the transfer of funds to repay the loan from your existing deposit, registered with Sberbank.

How to pay for a loan from another bank through Sberbank Online?

Even if loans were taken from another bank, they can be paid using the Sberbank Online Internet bank. To do this, go to the “Payments and Transfers” section and select “Pay a loan from another bank.”

To find the bank you need, enter the name, INN or current account of the bank in the search bar, or select a bank from those presented below. You can also use the option of transferring to another bank using BIC.

In the form that opens, fill in all the lines: debit account, account number, client’s full name, address, payer’s full name, and click “Continue”.

To confirm the transfer, you will be sent an SMS message with a code that you must enter in the field of the confirmation form that appears.

Payment will be made within three days. In order for the money to arrive on time, it is better to send the payment in advance, for example, 10 days before the date of the monthly loan payment.

The online banking payment system is very convenient for borrowers. Payments can be made from home or at your workplace. All you need is an Internet connection and a login and password to log into your personal bank account.

You can obtain your login and password at a bank branch or at an ATM. At the bank, a login with a password for your personal account can be obtained by contacting the operator. An agreement for Online service is concluded, the login is indicated in the agreement, and a temporary password is received in an SMS message. Some banks issue a login and password in a special envelope.

At Sberbank, you can find out your login through the Contact Center by calling 900. To verify your identity, the operator specifies your personal data and asks you to give the code word. To receive data through an ATM, you need to insert a card, enter a PIN code, and select “Online Banking” from the menu. The information will be indicated on the printed receipt.

How to pay a loan through Sberbank Online

Monthly payments for loans taken from Sberbank are debited from the client’s account automatically. If automatic debiting is not configured, then money from a debit account to a credit account can be transferred through the Sberbank Online service.

To make a payment through Sberbank Online, you need to perform a number of actions:

Go to the “Payments and Transfers” tab and select “Transfers between your accounts.”
We indicate the account from which the payment amount will be debited.
Select a credit account.
Enter the transfer amount.
Click on the “Translate” button.
We confirm the transfer.
The payment form opens with the “Completed” icon.

The second payment method is through the “Credits” menu item. Open the tab and find the loan you want to pay. Select the account from which the payment will be debited and the amount. Click “Confirm payment”. Funds are credited to the credit account within the bank on the same day.

Payment to Sberbank Online loan from another bank

Borrowers from any bank can repay a loan from a third-party bank through the Sberbank Online payment system. To pay, you need to know the details for transferring funds.

Procedure for paying a loan:

Go to the “Transfers and Payments” menu item.
Select the “Repayment of loans from another bank” tab.
In the list, select either the desired bank or click “Transfers by BIC”.
Select the account from which the loan will be paid.
Enter the BIC of the bank - the recipient of the payment. (BIC can be found from the loan agreement or from the bank. For example, BIC Home Credit 045585216)
Click “Continue”.
Fill in the payer’s personal information.
We indicate the amount and credit account.
Payment is confirmed via a code in an SMS message.

Before confirming payment, you must carefully check all payment parameters, otherwise the funds will not reach the addressee and will be returned to the sender’s account. This may result in late payment.

How to pay a loan through Alfa Bank online?

To pay for a loan through Alfa Bank, you can use the Alfa Click account.

To pay you need:

Go to the “Credits” tab. Information on existing loans and the amount of monthly payments will appear.
Select “Pay loan” and payment method “From current account”.
We indicate the account from which the repayment will be made and the amount.
We check the data and confirm payment.
Enter the code from SMS.

You can also check the amount credited in the “Loans” tab.

Alfa Bank makes it possible to repay a loan from any bank card. To do this, select the payment method “From a bank card”, fill in the card details and confirm the payment. The Mobile Bank service must be activated on the card.

Payment of a loan from a third-party bank is made using the details of the loan account. Select the “Transfers” tab and fill in the payment information. You must first clarify the time of payment.

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How to pay a loan online at Post Bank?

Post Bank accepts payment via the website

To make a transfer you need to fill out the payment form:

contract number;
Full name of the borrower;
e-mail;
Visa or MasterCard card type;
replenishment amount;
Check the box to read the terms and conditions for processing personal data.

The transfer fee is calculated automatically, depending on the card type. When paying with a Visa card, the commission is 2.5%, with MasterCard - 1.9%. The total amount to be paid includes commissions. Next, the card details are filled in and the details are checked. To confirm the payment, you must enter the code that will be sent via SMS.

Payment by credit card is made here, on the Post Bank website: select “Make payment”, then check “By card number”. We enter the replenishment card number, personal data of the payer, details of the card from which payment will be made. We check that the details are filled out and confirm the payment.

In what cases will it not be possible to pay?

It will not be possible to pay a loan online if the borrower tries to deposit a larger amount than specified in the agreement. The agreement provides for annuity payments and the bank issues the borrower the same amount for payment every month. That is, the money, of course, will go to the bank, but will remain hanging on the personal account until the next repayment date. In order for the bank to accept these funds to pay off the debt, you need to write an application and submit it to the bank.

It will not be possible to pay a loan if the credit account is blocked for one reason or another. This happens when an arrest is made by bailiffs.

Commission and restrictions

Intrabank transfers are made without charging a commission. For transfers to third-party banks you need to pay from 1 to 5% commission. At Sberbank, the commission for transfers to accounts in third-party banks is 1.5%. Transfers from Sberbank debit cards are limited to 30,000 rubles per transaction, and from 50,000 to 150,000 rubles per day.

In this article we will look at how you can repay a loan through Sberbank Online from your phone. We will learn how to register in the application, how to create a payment template and make an automatic payment. We will tell you how to pay for a loan from another bank through Sberbank Online and what to do if you cannot pay the loan.

Below we will tell you how to make a loan payment through the Sberbank mobile application. First of all, we will talk about how to get started with this program.

After registration, all functions will become available to you. You can pay not only your bills, but also other people’s loans. In addition to paying for bank loans, payment of bills in microfinance organizations, such as, for example, Credit 911, is available.

Paying for credit products via mobile phone is quite fast and convenient. Transaction fees are typically comparable to those in branches or phone shops.

How to connect Sberbank Online

In order to start using the Sberbank smartphone application, you need to register in the Sberbank Online program. There are two ways to carry out this operation: through the terminal and through the computer. The comparison table below will help you determine which method is more convenient for you:

After you have registered in the system in one way or another, you need to download the Sberbank mobile application to your phone. It is available completely free of charge in your device's application store (iOS - App Store, Android - Play Market, Windows Phone - Marketplace or Windows Phone Store).

How to repay a Sberbank loan through a mobile application

Paying a loan using an application on a mobile phone gives the most optimal result of making a payment: as a rule, the money arrives quickly, and no commission is charged for the operation.

In order to make a payment on a loan product at Sberbank using the application, you need to follow simple instructions:

On the main screen of the application, select the “Payments” tab.
Here you need to select one of two items: “Between your accounts” or “For Sberbank client”.
The difference is that all your accounts are automatically displayed in the application, and when you press the transfer button between your own accounts, you immediately select debit and credit accounts. After filling out the “Amount” field and clicking the “Continue” button, it is enough to check the correctness of the entered data and transfer the funds to your bank loan.
If the “To Sberbank Client” option is selected, then you will send funds to another person who has active Sberbank products, including credit. Transfer of funds is possible using three details:
- Phone number
- Card number
- Account number
In addition, the application allows you to select a person from your contacts list - so as not to make a mistake when dialing a phone number or card. People in your phone book who use Sberbank products will be marked with a bank icon next to their phone number.
After entering the data, you must click “Continue”. At the next stage, you select a debit card and amount. In addition, you can send a short SMS message to the recipient. It is worth noting that it will come from number 900 simultaneously with the notification of funds being credited.
The next stage is confirmation of the transfer. You need to carefully read the details of the payment: amount, commission amount, phone number and card number of the recipient, his name, patronymic and the first letter of his last name. If all data is entered correctly, click on “Transfer” and confirm the operation.

This way you can transfer funds only to Sberbank clients. Transfer to any other bank (for example, Russian Standard, OTP or Home Credit Bank) is carried out according to a slightly different scheme.

Paying for a loan from another bank through Sberbank Online

To pay for a loan from another bank through your Sberbank personal account, use the instructions below:

How to create a payment template in Sberbank Online

There are two ways to create a template:

Create a template with complete data entry (to do this, on the title page of your account, click the “My Templates” button on the right side of the screen:
Then select the active link “Manage Templates”. In the window that opens, select “Create template”:

Next, a window similar to the “Payments and Transfers” window opens. If you are interested in creating a sample payment for transfer to another bank, you should select the item “Transfer to an individual to another bank using details.”

Filling out a form with data, indicating the amount and confirming creation is no different from making a one-time payment in the scheme described above.
The second way to create a template is much simpler - based on an already completed payment. To do this, you need to open your payment history and find the required payment:

In the “Operations” drop-down menu, you need to select the second item in the list “Create template” and after the new fields appear, click on the “Save” button
Then an SMS message will be sent to your phone confirming the creation of the template. The digital code must be entered in the required field and confirmation of the payment creation:

Please note that in some cases it will not be possible to use the template in mobile banking. If you want to use it on your phone, you need to rename the template in the appropriate field (use only Latin letters).

Connecting automatic payment in your personal account

You can activate the Autopayment service in several ways. One of them: connection in your personal account in the “My automatic payments” section:

You can activate the service to repay your own loan from Sberbank (“Transfer between your accounts”), to replenish your mobile account (“Mobile Communication”), to repay your own or someone else’s loan product in another financial institution (“Repayment of a loan from another bank”) and for other operations.

The search for a bank or organization to enable automatic payment is carried out using several details (current account, name, tax identification number) or using a list of popular queries in your region.

Please note that service activation is not available for all payments! If you do not find the required organization in the list, then most likely it is impossible to activate automatic payment.

For example, a bank was searched by BIC (Rusfinance). In this example, enabling automatic payment is possible. All that remains is to fill in the fields with the required details and confirm the connection of the service:

Payment via mobile banking

To make a payment using the Mobile Banking service, you should first familiarize yourself with the list of commands and templates that are available in your region. To do this, we recommend going to the “Mobile Bank” section on the title page of your account.

The Mobile Bank page provides a complete list of phones connected to your cards, as well as a list of existing mobile templates. If there are none, they can be created based on existing ones or completely new.

It often happens that your templates do not appear in the list of available ones. This happens for various reasons. For example, it is impossible to pay off a loan from Pochta Bank, SKB-Bank or Baltic Bank. These providers are not listed as available for mobile payment.

When creating a new template in mobile banking, it is important to consider this factor:

If your service provider is in the list of available ones, you only need to fill in the payment details and confirm the creation of the payment. In the future, to make a payment it will be enough to send an SMS with the name of the payment to number 900.

I can’t pay a loan through Sberbank Online: what to look for

When making payments through the Sberbank Online service, it is important to carefully check the payment details. Most often, the inability to make a payment is due to incorrect data. Therefore, pay attention to all system warnings (they are highlighted in a red frame) that may appear at the top of the screen (above the line with the payment stages diagram) after clicking the “Continue” or “Confirm” button.

Also, the inability to perform transactions may be due to technical work on the bank’s website. In this case, you need to wait a little and try to pay the loan again. If it still doesn’t work, call the bank’s hotline and find out the reasons for the impossibility of making payments.

Important to remember that if, for example, you wanted to repay your loan early, you should carefully select the account from which the payment will be made - there must be a sufficient amount on it. This is especially true for loans from other banks, since a commission may be charged when paying for third-party loans.

You can issue a standing order in the accounting department of your company to regularly transfer part of your salary to your deposit account/bank card account/current account opened with the Bank, from which funds will be written off to repay the loan. At the same time, you must also submit an order to the Bank to debit funds from your deposit account/bank card account/current account to repay the loan.
If you have a Bank card, you can issue a written order to debit funds from your card to repay the loan. It is enough to issue such an order once and the payment will be automatically transferred monthly on the payment date from the bank card account to repay the loan.;
You can draw up an additional agreement to the bank deposit/current account agreement or an order to transfer funds from the deposit/current account to repay the loan. When concluding such an additional agreement or issuing an order, the payment will be automatically debited from the deposit/current account on a monthly basis to repay the loan.
You can deposit cash at the Bank's cash desk and then credit it to your deposit account/bank card account/current account for debiting to repay the loan.

Methods for replenishing a deposit account/bank card account/current account to repay a loan (hereinafter referred to as the account):

You can top up your account by transferring funds from your other accounts opened with the Bank using remote service channels:
- Using Sberbank Online;
- Using Mobile Banking;
- Using self-service devices (ATMs and information and payment terminals (IPT) in the presence of a signed agreement on comprehensive banking services (RBS));

You can make a non-cash transfer of funds to your account with the Bank from another bank;
You can top up your account with cash:
- o through remote service channels - with a deposit module (bill acceptor);
- at an additional office of the Bank - through a cash operations officer.