Sberbank is the most big bank Russia. On this moment The bank has already issued more than 90 million plastic cards, so it is not surprising that the question of how much it takes to transfer to a Sberbank card worries many people.

What determines how long it takes to transfer to a Sberbank card?

How long it takes to transfer money to a Sberbank card depends on the following factors:

• Time of sending funds. If the money was sent at night, then it will most likely be credited in the morning. There may also be a delay if the funds were sent on a weekend or holiday when banks are closed;
• Shipping method. There are several ways to send money to a card. In one case, the funds will arrive almost instantly, in others, the client will have to wait from several hours to several days;
• Sender. The fastest way to credit funds is when transferred from a Sberbank card to a Sberbank card. But sometimes money is transferred to a Sberbank account from the accounts of other banks or electronic payment systems. In this case, a delay of up to 5 working days is likely.

When talking about how long it takes to transfer to a Sberbank card, you need to keep in mind that the time it takes for funds to be credited depends on a number of factors. Just in case, it is always better to save receipts to avoid misunderstandings associated with non-crediting of items to your account.

How to make a transfer to a Sberbank card?

You can top up your Sberbank card in several ways. Depending on the type of transfer, the time it takes for the money to arrive varies.

How long does it take to transfer to a Sberbank card through a cash desk?

Topping up a card through a cash register is the most classic option, which is preferred by older people who are not very good at using modern technology. In this case, the sender must provide the recipient's details, which the cashier enters into the system.

The time it takes for funds to arrive on a Sberbank card is up to 1 day, but usually the operation is carried out much faster.

The main disadvantage of transferring money through a cash register is the need to wait in line and is tied to the opening hours of a bank branch.

How many days does it take to transfer to a Sberbank card via an ATM or terminal?

If you are a Sberbank client, you can top up your card or another client’s card through an ATM. In this case, you need to insert the card into the card reader and select the “Transfers” section. By entering the recipient's plastic number, you should check the data and confirm the payment.

As a rule, an SMS about the transfer of funds is sent to the recipient within a few minutes.

A similar scheme applies to replenishing your account through the terminal. The only difference is that, if desired, you can put cash on the card using a bill acceptor.

If you have cash that you need to deposit into your card account, the easiest way to do this is through the terminal.

How long does it take to transfer to a Sberbank card through an operator?

If you are a client of Sberbank, you can transfer money by calling the Sberbank hotline 88005555550. By contacting the operator, you can find out your balance, make a transfer and carry out a lot of other banking operations.

As a rule, money is transferred to the card instantly.

The only drawback of transferring to a card by phone is the rather long wait for a connection with an operator.

Deadline for receipt of funds from electronic wallets

IN last years electronic wallets (in particular, WebMoney, Yandex.Money, Qiwi) are especially popular. With their help, a huge number of transactions are carried out, including payment for goods and services. To receive money in cash, you must withdraw it to bank card.

The time for crediting money from electronic payment systems to a Sberbank card is 1-5 days. As a rule, you have to pay a commission fee, which can reach 3%.

The wait for funds to be credited from an electronic wallet can be quite long.

How long does it take to transfer to a Sberbank card from another bank?

Making a transfer from one bank to another is not a problem. Commit interbank transfer will not be difficult, but it may take up to 3-5 business days for funds to be credited, although funds usually arrive faster.

If money is transferred from another bank, you usually have to wait 2-3 days.

Transfer time via Internet banking

Sberbank has a convenient online application that allows you to transfer money from one card to another via the Internet.

To do this, go to the Sberbank Online service website in your account and go to the transfers section. There you will need to enter the recipient's card number, indicate the amount and confirm the payment.

As a rule, money is received on the card within 2-3 minutes.

The Sberbank Online service has a mobile application, so you can make a transfer using a smartphone.

Why might there be a delay in funds being credited?

Unfortunately, sometimes it happens that the money is not credited at the agreed time. There may be several reasons for this:

• technical system failure. This situation is quite rare, but it cannot be excluded. Sometimes funds are simply not sent from the payer or “hang in the air.” The problem is solved by calling the operator;
• error in details. If the sender makes a mistake in the card number, then the money may simply remain “hanging”, being written off from the sender’s card, but not reaching the recipient’s card. The situation when funds are transferred to someone else’s account is practically impossible, since the card numbers are an encrypted code, so the chances of indicating the number of another client are minimal;
• coincidence of sending the transfer with holidays. This situation is especially common in New Year when, due to long holidays, a huge number of transfers accumulate that need to be processed. In this case, you just need to wait.

Problems with crediting funds to a bank card are very rare, and they can almost always be resolved by calling hotline Sberbank.

When should you start worrying?

So, a transfer from a Sberbank card to a Sberbank card is carried out almost instantly. If the recipient has not received a report on receipt of funds within a few minutes, then it makes sense to contact the operator and check the status of the operation.

If payment systems or other banks are involved in the transfer of money, then you need to be prepared for a 3-5 day wait. If the deadline has passed and the money has not arrived, it is worth starting to search for it.

Today all banks working with individuals, provide them with money transfer services to a card. Sberbank was no exception, whose clients can use several ways to carry out transactions at once. One of the main questions regarding this procedure: how much money goes to the Sberbank current account?

What affects the timing of translations?

The timing of crediting banknotes is regulated by the bank and domestic legislation ( Civil Code and Federal Law number 161). It sets the maximum time period during which funds must be credited to the recipient’s plastic card. Meanwhile, the specific transfer time is influenced by the following factors:

1. The day of the operation. Weekends and holidays are not taken into account during the transfer. This may negatively impact deadlines.
2. Transfer direction. Transfer of funds from Sberbank will happen faster than in the case of other financial organizations.
3. Tariff zone. As in the previous case, if the sender and recipient are in the same tariff zone, the funds will arrive faster.
4. Rules of operation of the institution through which the transfer takes place.

Translation times depend on several factors

Technical failures also affect how long it takes for money to arrive on a Sberbank card. Usually this does not happen often, and errors are quickly corrected, but exceptions are possible.

Methods and terms for replenishing a current account

Thanks to the development of technology, today you can transfer money without leaving your home. To do this you should use remote services. If for some reason a citizen cannot use such methods, more traditional methods are also available (for example, through a bank branch).

Cash transfer

If you need to use cash for the transfer, remote methods of transferring money will not be suitable. In this case, you can transfer funds:

1. Through a cash desk at one of the bank branches.
2. Using a self-service device (terminal or ATM equipped with a bill acceptor).
3. Using a service point of one of the payment systems (for example, Zolotaya Korona).

How long will it take for a money transfer to Sberbank, sent through an operator to a card, to arrive? The operation takes place within 3 days. In practice, you can receive funds on the same day if they are sent before lunch. In the case of using self-service devices, the transfer takes up to 1 day. Payment systems set their own rules, but in most cases funds are credited within a few hours.

Online transfers

Remote methods are more convenient. They allow you to transfer funds without leaving your home. Thanks to this, you can save personal time. To transfer banknotes remotely, you can use the following services:

1. Internet banking (“Sberbank-Online”).
2. Application for smartphones.
3. "Mobile Banking".
4. Transfer systems from card to card.
5. Electronic payment systems.

How long does the transfer take? The term for crediting banknotes does not exceed a few minutes; in most cases, money is transferred instantly. As for electronic payment systems, the period directly depends on the nature of the operation of the electronic payment system itself (but no more than 3 days).

Transfer via ATM

What to do if the money doesn't come

Such situations arise quite rarely. Bank employees are constantly working to improve its services, which has a positive effect on their functioning. If money is transferred within the same tariff zone, the transfer occurs instantly. Accordingly, a delay of several hours may be a cause for concern. In the case of different tariff zones, you need to wait three days (excluding weekends) before taking action.

Until how many days does Sberbank transfer money to the card, indicated above. If the deadline has passed and there is no money, you can do the following:

1. Call the hotline for bank clients (8-800-55-555-50).
2. Contact staff financial institution by calling “900” from a mobile phone.
3. Use the form feedback on the official website of the bank.
4. Visit one of the branches banking organization and contact her employee.

In all cases, you must identify yourself and describe the problem. A bank employee will check the status of the transfer and explain what to do next. Further actions depend on the reason for the delay.

The main reasons for missing deadlines

There are quite a few reasons for delays. In most cases, they are associated with errors made by the sender. This applies to both the correctness of the entered data and violations during the procedure. In addition, the following reasons for delays can be identified:

1. Technical glitches. They are quite rare, but sometimes they affect the speed of translation. It's about both about problems affecting the entire system, and about one-time local failures.
2. A problem with plastic card or by account. Difficulties may arise if, for example, the card or the account to which it is linked is blocked.
3. Transfer limits have been exceeded. There are certain maximum amounts, which can be transferred within a day and month (from the card).

Most often, problems arise due to user errors and technical failures. You should also pay attention to the acceptable deadlines for transferring funds. If they haven't expired yet, don't worry.

Thus, the time for crediting money to a Sberbank card directly depends on the method chosen by the citizen, the tariff zone and the direction of the transfer. According to bank rules, it cannot exceed 3 days, although in most cases the receipt Money happens instantly.

The rules of the institution used to send money also affect the period. We have already written a lot in favor of Sberbank card accounts, but how quickly money comes in is separate question

. Let us recall the options for replenishing a card, indicating the practical time of receipt of money on the Sberbank card:

1. Cash replenishment:
2. Replenishment through ATMs and payment terminals. If you need to quickly put money on your card, the easiest way is to use a green box with a bill acceptor. How long does it take for money to be transferred? Instantly. Before you have time to return the card from the ATM, an SMS from number 900 is already beeping in your pocket. There is no commission.
3. Replenishment through the cash desk of a bank branch. To complete the transaction in this way, do not forget to take your passport with you. The operation is similar to the previous one, with the difference that it is performed by a living person and not a machine. Accordingly, the enrollment period is about 5 minutes. Replenishment of payment systems. This method
4. undoubtedly convenient, since you do not need to go to the Bank, but just walk to the nearest store where the terminal is installed. But, for convenience, you will have to pay a commission and wait up to 2-3 days for receipt. There are also disadvantages: if a problem arises, the question “Why didn’t the money arrive on the Sberbank card” will be problematic and take a long time to resolve. Top up your account in retail networks (, Svyaznoy, Tekhnosila, etc.), money transfer points (Contact, etc.) How long does it take remittance
5. , depends on the payment service used by the store or branch. On average, money arrives the next business day.

Replenishment through other commercial banks. Based on a payment order, for a certain percentage of the transfer, you can send the transfer to the card on a long trip. How long a money transfer takes depends on each individual Bank. The average travel time is 2-3 days.

1. Transfers from an account in Sberbank:
2. From a computer or smartphone, the money transfer arrives instantly, no matter from which city in Russia it was sent. You can also use the Sberbank service: transfer money to a card through an operator. In this case, you need to call the hotline 8-800-555-555-0, identify yourself (name and passport details) and inform the operator of the recipient’s payment details and the transfer amount. Pay attention to human factor, application processing takes about 15 minutes.
3. You can also transfer money from your account at a Bank branch by completing payment order. It will be processed within 24 hours.

Transfers from other accounts:

1. You can send money to the card from your electronic wallet (, Yandex, Webmoney). The transfer period depends on the availability of a card link - if there is one, the transfer will arrive in 10 minutes, if not - 2-3 days.
2. Via Internet Bank other credit organization The transfer takes place within 24 hours.
3. A transfer from an account in another Bank according to a payment order drawn up at a bank branch will take 1-3 days. You can count on same-day receipt only if the transfer is made before 12:00 Moscow time.
4. You can even replenish the card from your phone; replenishment is carried out within 3 hours.

We hope that this article will help you properly plan when the money will arrive in your account.

There is a commission for transferring money in Sberbank branches, service devices or applications. Let's look at different cases and tariffs that apply when sending funds.

The amount of interest charged by the bank will directly depend on what type of transfer you want to make. If you want to save money, it is better to send money through an ATM or Personal Account, as the percentage will be lower. However, if you need to translate a large sum, or the money is intended for a recipient in another country, then such an operation can only be carried out at a bank branch through a cash desk.

Cashless payments

You can transfer from your mobile application, from the Sberbank Online system, through payment terminals and ATMs, as well as through company branches using funds on your bank account. This is very convenient, because... gives you a wide range of options to take advantage of.

All you have to do is choose the most suitable and least expensive one. Let's look at all the available methods in more detail.

• From card to card– yours or another person’s. Done instantly.

1. If the cards are yours, there is no commission,
2. If the recipient's card is opened in the same region as yours, there is also no fee,
3. In all other cases: if you transfer money through a branch, you will be charged 1.5% of the amount, but not less than 30 rubles and no more than 1000 rubles, and if through the Sberbank Online system - 1% of the amount (maximum 1000 rubles .).

• Transfer to another bank using card number

Takes, on average, from 5 to 15 minutes. The maximum size of one transfer cannot exceed 30,000 rubles. Eat daily limit: for Electron and Maestro cards - 50 thousand per day, for others - 150 thousand. There is no possibility of cancellation. The commission for transfers via Internet banking is 1.5% of the amount, but not less than 30 rubles.

• From card to– to your own or any other bank. The commission also ranges from 0 to 2% of the amount, and the sending time can be up to 2 days.

• From account to account– also takes up to 2 days, the fee will be from 1% to 2% of the transferred amount. It is possible to cancel the operation, the cost is 150 rubles.

1. If the recipient has an account with Sberbank, the transfer is free within the same city. If accounts are opened in different regions, then: when transferring through a branch you will pay 1.5% of the amount (no less than 30 and no more than 1000 rubles), and through Sberbank Online - 1%, no more than 1 thousand,
2. If the recipient is served in another banking company: when sending funds through a branch you will have to pay 2% of the amount (no less than 50 and no more than 1500 rubles), and through your Personal Account 1% (maximum up to 1000 rubles).

• From account to card– takes up to 2 days maximum, with a fee ranging from 0.7 to 2%. It is possible to cancel the transfer.

• From account to cash— you can make a transfer in rubles, dollars or euros, such an operation will be subject to a commission of 1.5% (minimum 30 and maximum 1000 rubles), the implementation period is up to 2 business days. It should be noted that receipt is possible only at Sberbank branches.

Cash transfers

They are carried out on a regular and urgent basis, then we will look at their main features:

• In the first case, the period is from 1 to 2 days, and the fee for sending money varies from 0 to 2%. It depends on where exactly the money is sent and where the recipient’s card was opened.

• In the second case, a system is used that is widespread throughout Russia; receipt is possible only at Sberbank branches. sending takes 10 minutes, you can transfer no more than 500 thousand, a commission of 1.5% is charged (minimum 150 and maximum 1000 rubles)

Additional Information

As you can see, the tariffs very much depend on which method of transferring funds you choose, and where exactly the recipient opened his account or card. The most profitable way is to send money through remote service channels, i.e. through an ATM or the Sberbank Online system.

However, there is one caveat here, which is called a limit restriction. Each client has his own individual limits, which also apply to transfers.

Owners of entry-level cards (Social, Momentum) can spend the least - no more than 50,000 rubles per day, holders of high-class cards (Gold, Premium) can spend the most - up to 300 thousand per day.

If you need to transfer a large sum of money, then, unfortunately, it will not be possible to do this through; the system will simply block such an operation. You need to definitely go to a bank branch and make a transfer through the cashier, and if it exceeds your daily limit, you need to pay an additional percentage.

About transfers from a credit card

We are often asked: is it possible to transfer money from a credit card to a debit card? No, bank clients do not have this option, only if they use third-party intermediary services, for example, Yandex wallet.

The scheme is as follows:

1. You're turning on
2. Link your card to it,
3. IN Personal account Sberbank Online also links cards to an electronic wallet,
4. Pay for Yandex services,
5. Withdraw money from your wallet in a way convenient for you.

If you don’t want to use the Yandex system, you can order from your mobile operator a bank card that will be “linked” to your phone number. You top up your phone and thereby transfer money to an account from which money can be withdrawn.

From another account, from a card or after depositing cash through a cash register, sometimes becomes a cause of great anxiety. Money that does not arrive in the bank account within the expected time period raises suspicions between business partners and is delayed commercial transactions, sometimes the deal breaks down completely.

A common situation familiar to many:

• The truck arrives to pick up the goods faster than the money appears in the supplier’s bank account.
• If the download does not take place “in a minute”, it starts in advance.
• Towards the end of the process, they again begin to look for money in the account, then demand that the buyer send a payment order with a bank mark.
• When a copy of the order has already arrived, but the money has not yet appeared, a nervous trial begins - who will take responsibility and agree to release the car.
• If none of the managers or employees is ready to take risks, the driver wanders restlessly around the office, the buyer asks for trust over the phone, everyone gets nervous, scolds the bank and each other.

So far no one has been able to indicate the only correct way out of this situation; we will not risk doing this either, but we will only describe the payment processing mechanism and name some standards for such operations.

How are transfers to a current account made? How long does it take for money to arrive?

The money in the current account is not necessarily the amount in the bank’s vaults. It is enough to have a record in your registers that the client’s payment account has the required amount.

A transfer from one current account to another is only a transfer of information:

1. The bank maintaining the payer's account reduces the amount in the register by the amount of the payment.
2. The bank where the recipient's account is located increases the entry in the register by the amount of money received.
3. The process ends when the client can see the received amount in his account.

Crediting money to your account can happen very quickly, because... It is not the money itself that is transferred, but information from one computer system to another. The only obstacle can be distrust between the sender and recipient of information.

However, within one bank, and even more so within one regional bank, the degree of trust and information transfer is high. Therefore, intrabank transfers are almost instantaneous.

The usual time standard for transfers between banks is “today for tomorrow”.

It means that:

• the bank from which the funds are transferred promises to transfer the information no later than the next day after receiving the transfer instruction from the client;
• The bank receiving money to one of its current accounts promises to credit it no later than the next day from the moment it receives information about the transfer.

The time frame for transferring money between banks depends not only on their desire, but is subject to the rules of the system involving Central Bank Russian Federation. All Russian banks have their correspondent accounts with the Central Bank. The transfer process through the Central Bank goes like this:

1. The sending bank transfers to central bank information about the transfer and debits the money from the payer’s current account.
2. The Central Bank debits funds from the sender's correspondent account and credits the money to the recipient bank's correspondent account.
3. The bank receiving the funds credits them to the recipient's current account.

In such a chain, the addition of two “tomorrows”, from the sending bank and from the receiving bank, can turn into “the day after tomorrow”. There are several reasons for this:

• Information about transfers does not go to the Central Bank immediately, but during “ruble flights” at intervals of one and a half to two hours.
• Processing information also takes time. Thus, payment orders sent by the bank at 13:00 arrive at the Central Bank at 14:00, then are checked and confirmed by the Central Bank at 15:00. Confirmed orders are sent to the recipient's bank.
• Due to the fact that the Central Bank conducts operations according to Moscow time, accepts the first payments at 13:00 and confirms the last at 22:00, some operations are postponed to the next day.

How do banks make quick payments if the deadline for receiving money to the current account of an individual entrepreneur or LLC is the period of time for cash settlement, transfer of information to the Central Bank and back, and the time of crediting to the recipient’s account?

For the sake of speed of transfers, many banks do not wait for the end of the entire process and instructions from the Central Bank, but establish direct, confidential contacts with each other. It looks something like this:

1. The sender's bank notifies the recipient's bank that a payment is being made to one of its checking accounts.
2. The sending bank freezes the payment amount on the payer's account.
3. The receiving bank adds this amount to its client's account.

At the end of the day, banks take into account transactions for the day, offset mutual claims and transfer the amount of the difference from bank to bank in the prescribed manner.

However, banks have no obligation to do so. They have the right to carry out transfers in the prescribed manner and verify the data of the sender and recipient of funds. The only thing that the Civil Code (Article 849) requires of banks is to credit received funds to the current account no later than the next day and also transfer money from the account.

How long does it take for money to arrive in the current account of Sberbank and other banks?

The maximum period for transferring from one current account to another can be up to 3-5 days. Although such a wait is rare, it also happens when there are system failures, thorough checks, errors, etc.

Since payment delays are not particularly common, we will describe not extreme situations, but the usual practice:

• Money from one current account to another within the same regional division of Sberbank arrives during the day, or the next day - if payment is made at the end of the working period.
• Transfers between Sberbank accounts in different regions can also arrive within a day, but more often – the next day.
• Transactions between Sberbank and other banks usually take 1-2 days. Delays may be due to the nature of the relationship between banks, and more often due to the need to verify information or system failures

Banks with a small number of regional branches and fast processing of information promise clients intra-bank transfers within a few seconds. However, they cannot promise the same speed of interaction with other banks; these processes are not in their control.