How to send money from the balance. Transfer money from phone to account. A little financial hack

20.07.2023

Do you have a certain amount of funds accumulated on your phone and need to withdraw it? Why and how doesn't matter. The main thing is, is it possible to withdraw it and how to do it? And how much will this pleasure cost?

It will not be possible to cash out money from the phone for free. All carriers charge money for this. The difference is only in the amount of commissions. And looking ahead, I’ll say that it can differ several times!

It all depends on 3 parameters:

operator;
withdrawn amount;
cashout method.

If you are looking for an answer to a question,

how you can withdraw money from your phone to a card (for example, Sberbank) without commission

I will disappoint you. You will not find such a way. I searched - the result is negative.

The percentages declared on the sites for the output on the main pages do not accurately reflect the real picture. Usually indicated from ....%, that is, the minimum percentage. In fact, it can be increased by 50-100% exactly.

I also had this need. Several tens of thousands of rubles hung on the Internet. And they had to be translated somewhere. Therefore, I had to conduct a comparative review of the possibilities for withdrawing money from the phone from the main mobile operators:

Tele 2;
Beeline;
Megaphone.

On the Internet, you can find services that provide such services. But it is still safer to use the services directly from official representatives.

I decided for myself that if the sizes of commissions differ greatly, then I will get an additional new number from the required communication provider and I will make withdrawals at the lowest cost.

So, let's go - how you can withdraw money from your phone with minimal losses.

The desired minimum 5% commission from Beeline is achieved only when transferring from 5561 rubles.

It is generally not profitable to withdraw small amounts. The percentage for withdrawal is simply extortionate.

If we translate the above commissions into percentages, we get the following picture:

up to 250 rubles - from 20%;
from 250 to 730 rubles - 14 - 28%;
730 - 1,430 rubles - 6.6 - 13%;
1,430 - 1,880 rubles - 6.4 - 8.3%;
1 880 — 3 800 — 6 — 12%;
3 800 — 5660 — 6,1 — 9%.

It turns out that in order to withdraw the minimum amount of 50 rubles from Beeline, you will additionally have to pay the same amount in the form of a commission. Which in this case will be as much as 100%.

It will be cheaper to withdraw money to a bank account (not to a card) - 2.99%. Account details can be found either in the contract or in the bank. Also, if you use the bank's personal account, the necessary information, to which account your card is attached, is always available.

The downside of a bank transfer will be the payment processing time of up to 3 business days. When withdrawing to a card, funds are received within 2-3 hours (up to a day), but usually much earlier.

Cash withdrawal from an ATM

The site has instructions on how to do this. And a list of ATMs in your city where you can withdraw money.

There are no tricks here and there is a single rate - 5.95% of the withdrawn amount. The main thing is that the ATM is one of Beeline's partner banks.

You can withdraw no more than 5,000 rubles at a time and a maximum of 40,000 per month.

Money transfers

Output available for:

Unistream;
contact;
post office;
Gold Crown.

Unistream and Contact charge 5.95% + 10 rubles each, regardless of the transfer amount. Enrollment is almost instantaneous.

It will be cheaper to withdraw via Russian mail, only 2.6% + 50 rubles (if you are ready to wait a week).

The withdrawal through the Golden Crown looks preferable. Absolutely no withdrawal fees. But the maximum transfer amount is only 1,000 rubles.

Money can be received at Beeline offices and partner stores. A list can be found on the site.

Conclusions and the preferred method of cashing out from Beeline

Small amounts (up to 1,000 rubles) are more profitable to withdraw through the Golden Crown. But here you will definitely need to visit the office (and spend time).

The transfer to a bank card turned out to be the most unprofitable. If you do not withdraw the maximum amount (5660 rubles or more with a 5% commission), the transfer fee will cost an average of 8-10% or more. But there is a definite plus here. Money arrives almost immediately on the card and you do not need to go anywhere. For small withdrawn amounts (up to 500 - 1,000 rubles), you can probably turn a blind eye to a commission of 50-100 rubles.

If time suffers: alternative - withdrawal to a bank account directly - only 3%. Funds will appear in your account within 3 days.

When using money transfers and ATM withdrawals, we have approximately the same costs - 5.95%. The choice in favor of one or another withdrawal method must be made based on the amount (maximum of 4,000 at an ATM) and the time spent (either walk to an ATM and withdraw money, or find a transfer point, wasting time standing in line and issuing a transfer) .

I don’t even want to talk about the Russian Post. A week to transfer + the likelihood of hanging in line for an indefinite time is somehow not very impressive. Although there may be extremals for a low 2.6% commission, they are ready to stand in line for an hour ......

How to withdraw money from MTS number

MTS has 3 options for cashing out money:

transfer to the card;
Money transfers;
to a bank account.

Go to the "Manage payments" tab, then select "Money transfers" or "Easy payment". Or follow the link https://pay.mts.ru/.

To a bank card

Transfer limits from 50 to 15,000 thousand per operation. But no more than 5 payments per day.

Commission 4.3%, but not less than 60 rubles.

Processing time up to 2 hours. But usually the money is credited immediately.

Due to the notorious 60 rubles, when withdrawing change, the interest rate will be several times higher than the declared 4.3%.

For example,

for 300 rubles - 20%,
500 rubles - 12%;
1000 rubles - 6%.

The desired 4.3% commission from MTS is achieved when transferring to a card from 1400 rubles (60 rubles).

Money transfers

Payment systems similar to Beeline + Russian Post.

Russian Post - 4.2% + 55 rubles for the transfer (term 4-8 days, from 100 to 14,000 rubles);
Contact and Unistream - fixed 4.3%, regardless of the amount (instantly, from 1,000 to 15,000 per operation).

Easy payment

Another way to withdraw money to a card from the MTS operator is “Easy payment” - “Repayment of loans”.

Select the required bank from the list provided. A transfer is available by card number (fast, but more expensive), or directly to a bank account (longer, but cheaper).

Withdrawal to the card will cost the standard 4.3% (or 60 rubles).

When withdrawing to an account, the transfer fee will depend on the selected bank (in most banks 2.3% + 10 rubles for making a payment).

The exception is Sberbank - 2.6%.

A profitable way to cash out at MTS

If there is time, then the best option is to withdraw to a bank account (within 1-3 days), with a minimum commission of only 2.3%.

If you don’t mind losing the extra 2% for cashing out, we choose a transfer to a bank card (almost instantly) for 4.3%. But do not forget about the minimum wage of 60 rubles.

It is a pity to lose extra funds - our option is money transfers for a fixed percentage - 4.3, regardless of the amount. First, of course, you need to find out where the pick-up points are and whether it will be convenient for you personally to visit the branch (loss of time on the road and processing the receipt of payment).

How to withdraw money from a Megafon phone in cash

Money from the balance of the phone can be cashed in only two ways:

on the map.
to a bank account.

The service is located "Options and services" - "Payments and transfers" or at the link https://money.megafon.ru/

from 50 to 13,730 rubles per transaction when withdrawing to a bank card;
from 1 to 15,000 rubles (per operation), up to 40,000 per day and month to a bank account.

Transfer rates are outrageous.

on the map:

7.35%+ 95 rubles for withdrawal up to 5,000 rubles;
7.35% + 295 rubles - from 5000 rubles.

To a bank account - a single rate of 8% + 40 rubles, regardless of the amount of payment.

Consider, for example, how much you have to pay when withdrawing different amounts to a card from Megafon:

500 rubles - 36.75 (7.35%) + 95 rubles. = 131.75 rubles. or 26%
1,000 rubles - 73.5 + 95 rubles. = 168.5 p. or 16.85%
3,000 - 220 + 95 = 315 r or 10.5%
5,000 - 367.5 + 295 = 662.5 rubles or 13%.

Transfers from Megaphone

Similar to the above operators, withdrawal methods are available.

Couldn't find rates on the site. Either they don’t exist, or they are hidden very deeply so that no one finds out a terrible military secret.)))

The amount of commissions is formed only when you specify the transfer amount.

For example, I’ll show you what the commission turned out to be when withdrawing 500 and 1000 rubles to the Russian Post - 19.3 and 8.65%. Very expensive.

Megaphone card

Megafon has its own payment bank card. Its main feature is a single balance account on the phone and funds on the card. When you top up your card, you top up your phone. Writing off works in a similar way. The card can be used to pay for purchases all over the world.

The only negative is the paid cash withdrawal. 2.5% of the amount (but not less than 100 rubles). You can transfer money by pulling to cards of other banks (MoneySend). For example, VTB or Alfa-Bank. The rate is 1.99%.

An option for those who periodically need to cash out money from a Megafon phone.

For Megafon subscribers, the card is issued free of charge (if you have a tariff with a monthly fee). Or just for 99 rubles. Self-service plastic make up zero rubles a year!!!

How profitable to get money

The Megafon operator does not really welcome (or rather does not welcome at all) the withdrawal of money from the balance of the phone. How else to explain the simply huge commissions for cashing out funds.

When transferring even 2-3 thousand, you will have to pay more than 10-15% of the fees. For the withdrawal of 500 - 1,000 rubles, we give almost 20%.

The only right option is to get a Megafon card (for free) and, if necessary, cash out (for 2.5%) or transfer to other cards (for 1.99%).

Ways to cash out money from Tele2

All financial transactions with a phone number are carried out on the website https://market.tele2.ru/.

What I like about TELE2 is the availability of information and transfer rates. Everything is clear and easily accessible. How much, for how much and how.

Performing transactions on the operator's website

To a bank account or money transfer - 5.75%.

For withdrawal to the card, they take from 50 to 400 rubles. The commission grid resembles Beeline.

Converting to percentages, we get the following numbers:

from 1 to 250 rubles - from 20%;
251 - 730 rubles. - 27 - 9.6%;
731 - 1,410 rubles. - 12 - 6.3%;
1 411 - 1 880 rubles. - 8.5 - 6.3%;
1 881 - 3 800 rubles. - 10.6 - 5.2%
3 801 - 5 700 rubles. - 7.9 - 5.2%;
5 701 - 14 600 rubles. - 7 - 2.7%

I was amused by the amount of commissions charged from Tele2 on borderline amounts. For example, when withdrawing 730 rubles, they take 70 rubles or 9.6%. If you cash out 731 rubles from your phone, then Tele2 takes 90 rubles or 12.3%.

Consider this. It may be more profitable to split the amount into several payments.

Phone transfer

It is much easier (and cheaper) to withdraw directly from your phone.

To do this, simply dial *135#. Then select the required service.

The commission for withdrawal from the Tele 2 number is the same - 5% of the transfer amount.

Terms of enrollment up to 3 working days.

Restrictions and limits on transfers:

from 10 to 14,200 rubles per operation;
no more than 150,000 rubles per day;
500 thousand per month.

What do we choose from Tele2?

Withdrawal to the bank using SMS commands with a 5% commission is the best option. But ... if you do not withdraw large amounts.

What should be the amount of the transfer in order to reduce the commission?

In the table of tariffs for transfers through the site, the minimum fee of 2.7% is achieved with a one-time withdrawal of 14,600 rubles.

With the amount of cashing out equal to 8 thousand, we just get a 5% commission.

choose a withdrawal via USSD command for 5% when withdrawing an amount up to 8,000 rubles;
through the operator's website when cashing out from 8,000 to 14,600 rubles. Then the fee will be from 2.5 to 5%

Finally

Withdrawing money from a phone number of the main mobile operators (MTS, Beeline, Megafon or Tele2) is not a cheap pleasure.

You will have to pay 5, 10 and even 20% or more, just for the transfer of your own funds!

For some, it may seem like a small amount, the transfer fee is 6-7%. Some can even put up with paying 10%. If the amount to be withdrawn is small. With 1,000 rubles - you will lose 90-100 rubles. It doesn't seem like much money.

For me, the option of losing 10% at a time does not look very attractive.

The rate on a deposit in Sberbank is 5-6% per annum. Imagine people investing money for a whole year to earn 5-6%. And to get 20% you need to keep money on deposit for 3-4 years.

A more expedient option is to spend the "surplus" money on purchases or paying utility bills and taxes. All carriers have this capability. Of course, in some cases, commissions are charged (in the region of 2-3%). But there are also "no commission" services. Additionally, some online stores allow you to pay for goods from your mobile phone account, without additional fees.

If you still need “live” money, the best option for withdrawing funds from your phone is a transfer to a bank account using the bank details. On average 2.3-3% of the transfer amount.

If “extra” money periodically appears on the phone (for example, from the Internet:, review sites and others), then it would probably be more expedient to buy an additional SIM card from the operator, with the lowest withdrawal fees.

I made my choice. Received the plastic green one. And I can easily spend money in stores.

If you need to withdraw cash, Megafon has the lowest commission of 2% among the big four operators.

A little financial hack

There are money transfer services that pay bonuses for making transactions, including for replenishing the balance of the phone. The reward is usually from 50 to 100 rubles. Charged to mobile phone account.

I transfer money to Megafon (respectively replenishing the card) on the Pay-up service. Details can be found in this.

For 500 rubles, minus the service commission of 10 rubles, the net profit is 40 rubles or 8%.

There is only one drawback - the bonus is credited only on the first payment per day.

Big balance on your phone and low commissions for withdrawal, everyone!

Millions know how to top up a phone balance from a card, but only a few know how to transfer them from a phone to a bank account. But sometimes it is really necessary, especially if you earn money for the phone and do not have time to spend it.

Such a problem will never affect you if you know how to transfer money from your phone to a Sberbank card. This cannot be done without a commission, but it is better than losing money on the balance sheet.

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How to transfer money from a phone to a Sberbank card

Sometimes there is a situation when you accidentally throw on the phone more than it should be. You will misspell one zero and instead of 500 rubles on the balance of the phone 5000. An unpleasant situation, especially if there is little money left on the card and the salary is not coming soon. You can, of course, earn money on the Internet, but it is much easier and faster to return the extra money back to the card.

But not all banks support this service. Basically, these are large networks, well-known and with a large number of users. Sberbank is just one of these - using its example, the process of returning money will be considered. By analogy, you can carry out an operation in other banks, just first find out if they provide a similar service.

You can withdraw money using the methods described below only to cards with a number of no more than 16 digits.

You can withdraw from mobile operators:

Megaphone.
Beeline.

Keep in mind that each operator offers this service under its own conditions, with its own commission and restrictions. Be sure to read the rules before transferring, as something may have changed.

To carry out the operation, you will need Internet access and details (16-digit card number and expiration date). All data can be viewed on the front of the card.

How to transfer money from Megafon to a card

You can send amounts from 1 to 15 thousand rubles. Commission: less than 5,000 rubles = 7.35% of the amount + 95 rubles, if more than 5 thousand = 7.35% of the amount + 259 for each transfer.

1. Through the phone- just send an SMS to 8900 (free of charge). Be careful when entering data so as not to accidentally type it. So, first you need to write the word card a space, then the card number of 16 digits, a space, in which month the card expires, a space, the year of expiration, a space, and the amount to transfer funds (for example, 4500). No other characters, numbers, comments need to be entered. As a result, your message will look something like this:

card 1234567890123456 11 20 4500

where 1234567890123456 are the numbers on the front side of the card, 11 is the month, 20 is the year, 4500 is the amount to be credited.

2. Using the site- go to the official website of the megafon megafon.ru, go to the Services section and select Money transfers.

On this page, you need to select the option for transferring to the card.

Log in by entering your phone number and SMS code. After that, you will enter your personal account, where you need to specify the transfer amount and card details.

Enter the amount (4500) without commas and spaces, 16 digit number from the card, select the month and year the card expires. After that, you will need to confirm your actions by entering the code from the SMS message.

How to transfer money from Beeline to a card

In Beeline, the minimum amount for transfer is 1300 rubles, the maximum is 14,000 rubles. At the same time, 50 rubles must remain on the balance sheet. The commission is the same for all transfers - 5.95% of the transfer amount + 10 rubles.

1. Through the phone- just send an SMS to 7878 (free of charge). The message itself is almost the same as in the megaphone, only without the month and year. First you need to write the word card a space, then the card number of 16 digits, a space, the amount to transfer funds (for example, 4500). As a result, your message will look something like this:

card 1234567890123456 4500

2. Using the site- go to the official website of the beeline beeline.ru, and in the drop-down menu Finance and payment, select To a bank card.

Now you need to find the desired item in the list (Transfer to a bank card from a mobile phone)

Click on Transfer from the site (if you want via SMS, the instructions are written above), fill out the form:

The instructions are very clear, and any errors are highlighted with a warning. In the Card number, enter 16 digits from the front of the card, the phone number is the Beeline number, the amount without spaces and commas, and the code from the picture to prove that you are not a robot. Do not forget to agree to the terms of service (for good, you should also read them).

After that, you will receive a message on your phone with a code that must be forwarded to 8464. The transfer is completed.

How to transfer money from MTS to a card

This mobile operator can withdraw money from 50 rubles to 15 thousand. In this case, you will have to pay a small commission fee - 4% of the amount, but not less than 60 rubles for one transfer.

On the mts.ru website, in the Financial services and payments drop-down menu, select To a bank card.

Next, enter information about your phone number (of course, MTS), and the amount to transfer funds. Specify the numbers without spaces or other extra characters so that the system can read the information. After reading the agreement (optional), you can move on to specify the card.

Enter 16 numbers on the front side of the card, if you have any difficulties, an information picture will be located nearby indicating where to look.

For all transfers, you will have to pay a small percentage of money, since it will not work to transfer money from a phone to a Sberbank card without a commission. The withdrawal period depends on the bank and mobile operator, but on average the process takes from several minutes to 3 days. If the finances have not been received, contact the mobile operator to clarify the circumstances. If you have any questions about transferring money from phone to card, ask in the comments. Or watch the video below, maybe it will be easier for you to understand the nuances.

With the modern development of mobile communications, there is no person who does not know how to replenish an account. But not everyone knows how to transfer money from a phone to a card account. But sometimes such an operation is very necessary. Let's consider which mobile operators provide the opportunity to make a transfer from a phone to a Sberbank card, and how the procedure itself is carried out.

Why transfer money from phone to card

Now mobile communication occupies such an important place in a person's life that the fear of being left without communication makes people constantly worry about replenishing the balance. An accidental error may occur and the account will be replenished with a larger amount than planned. Sometimes a person simply does not manage to "pronounce" the available money. Regardless of the reason for the formation of savings, their owners have the opportunity to transfer them to bank plastic for their more rational use. This is the best option, since the "accumulated" would have to be spent on the services of the operator or payment for his goods.

To expand the clientele, large mobile operators offered their services in the role of bankers: the withdrawal of "extra" funds to their own card became available to subscribers. Not all telecommunications companies and banks supported such an innovation.

How to transfer money from a phone to a Sberbank card

To transfer money from a phone account to a card, you need to take into account some features. Not all bank plastics are used for this service. It is only possible for those whose numbers contain no more than 16 digits (Visa and MasterCard), but the transaction is not available for Maestro. For clients of a banking institution, you can withdraw funds from the largest mobile operators: Megafon, Beeline, MTS, Tele2. Each company dictates its own conditions, commission fees and limits on the operation, and the client will have to decide for himself how profitable this procedure is for him.

Transfer from Megafon to Sberbank card

Megafon subscribers, if necessary, can transfer money as follows:

enter the official website of the operator;
in the menu, select the item "Money transfers";
stop at the item "To a bank card";
enter a phone number;
receive a code from SMS and enter it;
indicate the digital combination of plastic and the size of the transfer;
confirm the transaction and complete it.

The main conditions for crediting funds from the balance of this company:

commission - 7.35% + 95 rubles. (1-4999 rubles), over 5,000 - the same percentage, but also an additional 295 rubles;
it is allowed to transfer up to 15,000;
There are no restrictions on the minimum transaction size, but due to the high commission fee, it is not advisable to send small amounts.

There is also a second option for enrollment - using an SMS message to 3116. The text looks like this: “CARD_ plastic number of 16 digits_ month_ year of validity _ amount”. The entry has spaces after the word "CARD", after the number, after the month, after the year. The commission is the same as for the operation through the site.

Money transfer from Beeline

How to make a transfer from Beeline to a Sberbank card? The instruction is this:

go to the Beeline website;
select "Pay from account" in the menu;
then - "Money transfers";
choose a payment system;
in the window that opens, enter the digital value of the plastic, the telephone number and the amount of the money transfer;
complete the procedure by confirming it.

The conditions for sending funds are as follows:

commission fee - 50 rubles. (from 50-1000 rubles), for the rest - 5.95% + 10 rubles;
the minimum transaction is 50 rubles, the maximum is 14,000;
delivery time - up to 5 days.

Another method involves transferring via SMS to 7878. The text and type of message is similar to that when sent to Megafon, but the month and year of validity are missing in the text.

Transfer from MTS to Sberbank

Thanks to the cooperation of MTS and with a large bank of the Russian Federation, sending money from the phones of MTS subscribers to plastic is much more profitable than with other operators. The procedure is as follows:

go to the company's website;
in the menu, select the section "Banking services and payments";
go to "Easy payment";
click "Proceed to payment" and select a payment system;
a field will appear to fill in, enter the plastic number and amount;
indicate "Debit from the account";
fill in the field with details;
confirm the operation by entering the code from the received SMS.

There are certain conditions for this procedure:

commission fee - 4%;
the minimum amount of transfers is 1.7 thousand rubles, the maximum is 15,000;
the maximum number of transactions per day is 5;
term of receipt of funds - up to 5 days.

Transfer from Tele2

The scheme for transferring funds from the phone of the Tele 2 operator to the Sberbank card is as follows:

go to the official website of Tele 2;
select "Transfers and payments";
click the item "To a bank card";
then fill in the fields - a digital combination of the recipient's card, phone number and the amount to be transferred;
click "Translate";
confirm the transaction with the code from the received SMS.

The operation parameters are as follows:

transaction fee - 5.75%;
the minimum one-time transaction is 10 rubles, the maximum is 15 thousand rubles;
daily limit - 10 transactions not exceeding 15,000 rubles.

For convenience, another method is provided - via SMS to 159. The text of sending and spacing are similar to those when sending to Beeline.

Via SMS to number 900

In a banking institution, customers are invited to use commands and SMS requests for 900. They are provided for such services:

balance check;
control of operations;
payment for mobile communications;
transfer of funds from plastic to plastic;
card blocking and unblocking;
payment of loans;
checking the number of accrued bonuses Thank you.

Conclusion

Transferring money from a phone balance to a Sberbank card is a convenient and, in some cases, timely option. Having considered all the options for transfers, it becomes clear that the most profitable option for crediting money to plastic from an MTS subscriber. Other companies charge a fairly high commission.

2017-10-26

You won’t surprise anyone by replenishing a mobile phone account directly from a bank card, as well as the reverse situation, when money from a mobile account needs to be somehow withdrawn to a card in order to cash out later.

Transferring money from a phone to a Sberbank card is available to customers of most major mobile operators and, in general, the algorithm for performing the operation is similar. The difference is only in the limits for the operation.

When is a withdrawal to the card a necessity?

Replenishment of the account may by chance turn out to be somewhat larger than the owner of the phone expected when he entered the amount. Or, a payment for a service or product was received on the mobile account from a person who could not pay in another, more popular way.

The method also has adherents, because there is no need to go to the bank and find out the details of the recipient, the payment is made if there is one mobile recipient number.

Later, a person can withdraw the amount to their bank card in order to be able to spend as they wish.

Clients of Beeline, Megafon, Tele-2 and many others can transfer money from a phone to a Sberbank card. The service is currently provided by most large banks with a developed branch network.

Beeline clients

There are two options available at once: either fill out a simple form on the operator’s website or send SMS message to number 7878. The text message in this case will have the format: "VISA 1234567890000000 2500".

The data is written only in this sequence, with spaces, in the example 2500 is the desired transfer amount, and VISA is the type of card, which in your case can be changed to MasterCard or Maestro, depending on the type of your plastic.

Regardless of whether it is sending an SMS message or transferring through the operator's website, the commission will be charged in any case and will be between 5% and 10 rubles (fixed).

For a transfer of less than 1000 rubles, the commission will be equal to 50 rubles without additional interest.

The algorithm of actions on how to withdraw money from the phone balance to a Sberbank card through the site:

go to the official Beeline website beeline.ru, find the payments and transfers section;
scroll down the page, select a transfer from phone to card. Here you can also get acquainted with the tariffs and restrictions on the transfer;
enter the mobile number, card number of the recipient and the amount. Check the correctness of the data;
click pay and wait for the funds to be credited. The site promises that the transfer is carried out in about 5-10 minutes.

Transfer limits

no less than 50 and no more than 14 thousand rubles can be sent at a time, exactly the same restrictions are set for a day, while no more than 10 transactions are allowed;
40 thousand rubles can be transferred per week and per month, but only for 20 and 50 operations, respectively;
at least 500 rubles are sent to the bank account, otherwise the limits are completely identical to those described above, which apply to Sberbank cards.

For Megafon clients

On the site, you need to find the services section and “Money transfers”, within which customers are invited to replenish not only their card, but also their current account or send money to the nearest cash point such as Contact or Unistream.

We confirm the operation and wait. The promised terms of enrollment in this case start from a couple of minutes and end in 5 days, so just in case, be patient.

The second method in the form of sending an SMS message to a short number is also available. You can top up your VISA and MasterCard Sberbank cards by sending a free SMS to service number 8900.

The format of the message is as follows: "Card type 0000555533334444 transfer amount", where all data is written with a space. The terms for crediting money are exactly the same as when transferring through the site.

Withdrawal limits

at least 1 ruble at a time;
maximum 15 thousand rubles at a time;
maximum per month and day 40 thousand rubles.

Commissions for transferring funds from a phone balance to a Sberbank card are usually formed based on the amount of the transfer: for amounts from 50 to 4999 rubles, it is equal to 35% + 95 rubles of mandatory payment, for amounts over 5 thousand rubles and up to 15 thousand rubles it increases to 7 ,35% + 259 rub.

Transfer from MTS mobile operator

MTS has only one available way to make a transfer, and this is the site of the operator itself. Here, as in all the methods described above, you need to go to the site, where on the main page you need to find the "Transfers and payments" section, and in the pop-up window click on "Bank card from phone account".

The commission for operator services is charged at a rate of 4.3% and not less than 60 rubles, the minimum amount of crediting is 50 rubles, the maximum is 15 thousand rubles.

You can make no more than 5 payments per day, while MTS promises a prompt transfer in a couple of hours (in practice, delays of up to a couple of days are not at all uncommon).

This is the only option on how to make a transfer; using an SMS message, you will not be able to transfer the amount to a Sberbank card.

Results

As you can see, regardless of the operator, the general algorithm of actions does not change in any way. The differences are only in the limits for the transfer and the commission that must be paid for this.

As for the terms of enrollment, everything will depend on the processing center in the bank. If for some reason the payment to the card has not been received after 5 days, you must contact the hotline of your operator in order to find out the circumstances of the operation.

The Sberbank card must have 16 digits on the front side, otherwise it will not be possible to use it for withdrawal in this way.

You can often hear the question, is it possible to transfer money from a phone to a Sberbank card, and if so, how? Today we will tell you about how the transfer via SMS to the number 900 takes place.

Why do you need to withdraw money from the phone at all? It often happens that we or our friends mistakenly transfer funds not to the card, but to the mobile number that is linked to it. At the same time, you can’t just get them back, at least in your Personal Account.

If you want to transfer money from your mobile phone balance on the card, then it will not work via SMS. You need to look for the nearest mobile phone store of your mobile operator and seek help from him. Please note that there is a fee for this service.

However, they can only do this if they have a MasterCard or Visa. Other standards are not supported. If you have Maestro, then you will be disappointed, such translations are not available for her.

Therefore, in order to quickly transfer funds from a mobile phone to an account, it is recommended to have cards of the above type.

If you do not want to visit the offices of a mobile operator, there is also the possibility of self-transfer through the official portals of these companies. To do this, you will need a device with Internet access, and follow the instructions below:

From Beeline to the map.

You need to go to the site beeline.ru and click on the link "Transfer funds from your phone account".
In your personal account, you need to go to the "Transfer to a bank card" tab.
After that, the numbers of the Sberbank and mobile cards, as well as the amount and currency, are entered in the appropriate fields.
After confirming the operation, the transfer of funds is carried out, which will cost the owner of the phone 5.05% of the amount of the transfer + 10 rubles.

From Megafon to a bank card:

on the website megafon.ru you need to find the link "Money transfers", and in the subscriber's office - "Transfer to bank cards".
There you need to specify all the necessary data and confirm the operation.
Such a transaction costs 5.95% of the transferred amount, if it does not reach 5000 rubles. If more, then you need to pay another 259 rubles.

How to transfer money from MTS?

The portal mts.ru is used here, in order to transfer money, you should follow the link "Financial services and payments",
select "To a bank card".
there you should enter the amount, currency, mobile phone and card numbers, and also select the payment method.
a commission of 4.3% is charged for this operation, but not less than 60 rubles.

How to transfer money from Tele 2 to your card:

We go to the official website market.tele2.ru,
Select the item "Transfer to the card",
In the form that opens, you need to enter data - the phone number and recipient, the amount (at least 50 rubles),
A fee of 5.75% of the entered amount is charged, but not less than 40 rubles.

There are certain limits: you can transfer no more than 15,000 rubles per day from a mobile account to a debit one. At the same time, each operator has a limit on the minimum amount, this must be clarified at the office or on the website.

If you want to transfer money from the card via SMS to someone else's card, then a convenient service called "Mobile Banking" will help you. This system allows:

make transfers between cards,
replenish the account of any phone,
find out about the balance of the card,
buy theater and concert tickets,
make charitable contributions
receive notifications about credits to the account, etc.

The Mobile Bank system is connected free of charge, however, the SMS notification option is paid according to the bank's tariffs. You can connect to it at any payment terminal or ATM of Sberbank, instructions are given here.

For translation funds from your card to someone else's card, you will need to:

Send an SMS to number 900 with the following content: "TRANSFER (TRANSFER) recipient's phone number and amount."
After that, you will receive an SMS with the details of the operation and a confirmation code. Send the received code to number 900.
After that, the amount you specified will be debited from your account, to which the mobile number is linked.
The recipient will also receive the amount on the account to which the number of the mobile number you specified is linked.

If he has several accounts, then when transferring money from a phone to a Sberbank card, a ruble salary account will be selected.

Please note that in order for the transfer to go through, the recipient must also activate the Mobile Banking service. In addition, the cost of sending SMS will be paid for you, the price is set by the mobile operator (details here).

Using a mobile application- it gives the same opportunities as Internet banking. The client first registers in the Sberbank Online system, and then independently downloads the application to his phone.

Procedure:

Enter the program using your username and password, come up with a code,
Select the "Payments and transfers" icon, and then - "Sberbank client".
After that, choose how to make the transfer - by card number or phone number,
Enter the details of the recipient, specify the amount and click the "Transfer" button.

Important: if you and the recipient of the transfer registered cards in different regions of Russia, then a certain commission is also charged for the transfer at the rates of Sberbank. You can find out its size in this article.

We also invite you to watch a video instruction on how you can transfer money to a card from your phone using one SMS:

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You can often hear the question, is it possible to transfer money from a phone to a Sberbank card, and if so, how? Today we will tell you about how the transfer via SMS to the number 900 takes place.

However, they can only do this if they have a MasterCard or Visa. Other standards are not supported. If you have Maestro, then you will be disappointed, such translations are not available for her.

Therefore, in order to quickly transfer funds from a mobile phone to an account, it is recommended to have cards of the above type.

From Beeline to the map.

You need to go to the site beeline.ru and click on the link "Transfer funds from your phone account".
In your personal account, you need to go to the "Transfer to a bank card" tab.
After that, the numbers of the Sberbank and mobile cards, as well as the amount and currency, are entered in the appropriate fields.
After confirming the operation, the transfer of funds is carried out, which will cost the owner of the phone 5.05% of the amount of the transfer + 10 rubles.

The portal mts.ru is used here, in order to transfer money, you should follow the link "Financial services and payments",
select "To a bank card".
there you should enter the amount, currency, mobile phone and card numbers, and also select the payment method.
a commission of 4.3% is charged for this operation, but not less than 60 rubles.

How to transfer money from Tele 2 to your card:

We go to the official website market.tele2.ru,
Select the item "Transfer to the card",
In the form that opens, you need to enter data - phone number and recipient, amount (at least 50 rubles),
A fee of 5.75% of the entered amount is charged, but not less than 40 rubles.

If you want to transfer money from the card via SMS to someone else's card, then a convenient service called "Mobile Banking" will help you. This system allows:

make transfers between cards,
any phone account
find out about the balance of the card,
buy theater and concert tickets,
make charitable contributions
receive notifications about credits to the account, etc.

For translation funds from your card to someone else's card, you will need to:

Send an SMS to number 900 with the following content: "TRANSFER (TRANSFER) recipient's phone number and amount."
After that, you will receive an SMS with the details of the operation and a confirmation code. Send the received code to number 900.
After that, the amount you specified will be debited from your account, to which the mobile number is linked.
The recipient will also receive the amount on the account to which the number of the mobile number you specified is linked.

Electronic transfers are made daily by users all over the world. The same applies to topping up the balance of a phone number. Sometimes a situation arises when you urgently need to replenish your card account. If there is no time to run to an ATM, you can transfer money from your phone number. It remains only to figure out how this can be done.

Why top up the card through the phone

The most common situation when a reverse transfer is needed is an incorrectly sent amount to a mobile account. This happens when the user mistakenly adds zero at the time of replenishment of the balance. Operators allow you to transfer money savings back to a bank account.

It should be noted that you can transfer money from the phone to the card of any person. This service is provided by:

Beeline;
Megaphone;
Tele 2.

To carry out the transfer, you need to execute a certain command. Each operator has developed its own methods of transferring money.

Beeline: withdrawal of money

Beeline, one of the most popular mobile operators. Subscribers with Beeline numbers can get acquainted with the existing methods of transferring money from a mobile account to a card account. You can withdraw funds through:

Web site.

It should be noted that each of the methods requires your own phone.

SMS sending

How to transfer money from a mobile phone if there is no way to visit the website? It's simple, the transfer of savings can be done by sending SMS. You need to create a new text message, and then enter "7878" in the recipient field. After that, write “VISA 1234567891234567 1400” as the text, where VISA is the payment system (you can also specify Master or Maestro), 1234567891234567 is the bank card number, and 1400 is the amount to be transferred.

It is important to note that only subscribers who have issued a prepaid tariff can use this function. Corporate clients cannot make transfers via SMS.

As for the terms of payment, the amount can be transferred within 5 working days. In most cases, the money arrives within seconds.

Withdrawals through the website

Beeline number owners can cash out their phone bill through the website. First, users need to go to the address "money.beeline.ru". On the page that opens, you will need to find the section " Transfer to a bank card". Then click on the hyperlink Transfer from site».

On the new web page, you need to select the type of payment system to which savings will be sent. To do this, just click on the icon:

VISA;
MasterCard;
Maestro.

In the event that it is difficult to choose the type of payment system, you need to click on the icon with the inscription: “ Transfer from mobile to bank card».

The next step is to fill in the following fields:

Recipient's card number;
Phone number (from which funds will be transferred);
Transfer amount;
Verification code.

After a few seconds, an SMS will be sent with a confirmation code. It will need to be entered in the appropriate field on the website.

Transaction limits

Beeline has introduced some restrictions on money transfers from a number:

You can transfer at least 50 rubles;
The maximum amount is 14000 rubles;
The commission is 5.95%.

It is important that after the procedure is completed, at least 50 rubles remain on the account.

MTS: withdrawal of funds

Unlike other operators, MTS allows you to transfer money from an account to a card in only one way. If everything is done according to the instructions, there should be no problems.

It is important to take into account the allowable limits set by the operator. You also need to remember about the percentage charged for the transfer.

Service "Easy payment"

To make a transfer, you need to go to the address "https://pay.mts.ru/webportal/payments". After downloading the Internet resource, you need to enter the section " Easy payment". Then you need to select " Sberbank". In case of transfer to another card, you should click on the inscription: " Transfer from phone account to card».

In the next step, you will need to specify:

Payer number;
Transfer amount;
Enter account number.

To confirm the transfer, you must specify the code from the SMS.

Transaction restrictions

Compared to other operators, MTS restrictions are slightly different:

You need to transfer at least 1700 rubles at a time;
The maximum you can transfer is 15,000 rubles;
Within 24 hours it is possible to perform only 5 operations;
The commission is 4%.

MegaFon: withdrawal of funds

How to withdraw money from the phone to MegaFon subscribers? The operator provides its customers with 2 ways to withdraw funds, namely:

Through SMS.
Using Money Transfers.

Regardless of the method chosen, users should remember that the operator has introduced restrictions on the withdrawal, as well as a commission. Before deciding on the type of translation, it is recommended to study all the nuances.

SMS output

Money can be transferred to a bank card via SMS. To do this, you need to create a new message. In the addressee field, you need to write "8900". After that, the following text is written: “card 7412589637412589 1250”, where 7412589637412589 is the card account number, and 1250 is the withdrawal amount.

After the transferred payment is received on the card, a notification will be sent to the phone. In case of insufficient funds, the operator will send a message with the relevant information.

Service "Money transfers"

Since it is sometimes urgent to transfer savings to a card from a phone, you need to go to the following URL: “money.megafon.ru”. As soon as the services page opens, you need to move to the section " From phone to bank card».

In the new window, you need to fill in the following fields:

Amount;
Card account number;
The phone from which the funds will be withdrawn;
Set a checkbox confirming that a person is behind the computer.

It is worth noting that to confirm the operation, you will need to enter the code from the SMS. Funds are credited to the recipient's account within 5 days, although in 90% of cases, money arrives in 5 minutes.

Transfer restrictions

To freely transfer money to a card, you need to carefully read the restrictions. These include:

The amount of a one-time payment should not be less than 50 rubles;
The maximum available one-time payment is 15,000 rubles;
When withdrawing an amount less than 5000, the commission is 95 rubles. and 7.35%;
In other cases, the commission is 7.35% and 259 rubles.

Tele2: withdrawal of funds

How to withdraw money from a phone owned by the Tele2 operator? Users can withdraw funds in 3 ways. These include:

USSD service;
Service "Money transfers".

Each method allows you to transfer money in minutes. Although sometimes there may be slight delays.

USSD service

Can I withdraw money with a simple command? Of course, for this, you need to dial on the phone: *159*1*1234561234567893*1600#, where 1234561234567893 is the card number, and 1600 is the amount of money transferred.

It is worth noting that Tele2 has another USSD service - the Tele2 transfer service. It is enough to dial *135# and an SMS will be sent to the phone with further instructions for transferring funds.

It is important to note that the latter method allows you to send money not only to a bank card, but also to the balance of phones belonging to any operator.

Via SMS

In order for the withdrawn funds to quickly get to the recipient's account, you can use the message. First you need to create a new SMS with the following text: "card 9876543219876543 1300", where 9876543219876543 is the card account, and 1300 is the funds for withdrawal.

The written text is sent to the number "159". Within 5 minutes, a new SMS will arrive with instructions and a transaction confirmation code.

Service "Money transfers"

Another popular way to transfer funds from a mobile account is the Money Transfer service. To carry out the operation, you need to visit the site: "market.tele2.ru". On the page that opens, you need to select "To a bank card". After that, fill in the following fields:

Sender's number;
Beneficiary's card account;
Transfer amount;
Check the box to agree to the rules.

Transfer limits

Mobile operators, and Tele2 is no exception, have introduced some restrictions on money transfers from a personal account:

You can not transfer the amount below 50 rubles;
The maximum available amount of a one-time payment does not exceed 15,000 rubles;
Within 24 hours, you can transfer no more than 15,000 rubles;
About 50 operations can be performed per day.

It is worth noting that for each transfer, the user pays 5.75% of the transferred amount. The commission cannot be less than 40 rubles.

Conclusion

Modern mobile operators allow you to withdraw money from your personal account. Before making transactions, it is recommended to familiarize yourself with the limits. It also does not hurt to know the percentage charged for the transfer. Even an inexperienced user will cope with such a procedure.

If the operation is performed via SMS or USSD, it becomes possible to cancel the operation, but only if the money has not yet been credited to the recipient's account.

Today we will try to find out how you can transfer money to a Sberbank card from your phone. Is it possible to do this at all? Every modern client of Sberbank will be able to understand such issues. After all, the implementation of money transfers from this financial institution is one of the most popular services. What you need to know about transactions via phone?

Chances of Success

Is it always possible to transfer part of the funds to a Sberbank card from a phone? And is there, in principle, such a function?

Yes, transactions of the mentioned type are possible. But not always. Only customers whose cards have no more than 16 digits in the number can work with mobile transfers. Otherwise, nothing will work for a person.

Funds transfer methods

It is not difficult to transfer money from a phone to a Sberbank card. The main thing is to know how to act in this or that case.

In general, the following scenarios are allowed:

transactions through the websites of telecom operators;
making a transfer using a USSD request;
sending an SMS command to implement the task.

"MegaFon" and translations

How to transfer one or another amount of money from a phone to a Sberbank card? It all depends on the specific mobile operator. Consider the most common and large firms.

In the case of MegaFon, you will have to implement the task like this:

Open the site megafon.ru.
Select the function "Money transfers".
Click on the line "To a bank card".
Specify the phone number from which funds will be debited.
Enter the transaction confirmation code. It will come via SMS.
Write down the number (16 digits) of the bank card where you want to transfer funds.
Confirm the operation.

Ready! Within a few minutes, the money will be transferred to the specified bank account. This approach is not used very often. It requires certain costs. It's about the commission. It is 7.35% and fixed 95 rubles, if a citizen decides to transfer no more than 5,000 rubles to a Sberbank card from a phone. Otherwise, the additional payment to interest will be 295 rubles.

"Beeline" and translations

But this is only the beginning. How to transfer from a phone to a Sberbank card The next operator in line is Beeline.

The order of operations is as follows:

Go in the browser to the page of the mobile operator.
Sign in to the service.
Click on the item "Pay from your phone account".
Select "Money transfers".
Specify the payment system. In our case, this is Sberbank.
Enter the bank card number, the sender's phone number, and the amount to be credited.
Click on the "OK" button.

Ready! Now we know how to transfer a certain amount of money to a Sberbank card from a Beeline phone. In this case, the commission is also charged, but it is less than that of MegaFon - only 5.95% and 10 rubles additionally. The transfer will be completed within 5 days. Typically, the transaction is processed for several hours.

MTS for help

Transferring money to a Sberbank card through a phone with an MTS SIM card is not difficult. This is where the "Internet Assistant" comes to the rescue. It is also called the "Personal Account" of the subscriber.

The guide for transferring funds from phone to card is as follows:

Go to the site mts.ru.
Pass authorization in the "Personal Account".
Go to "Payment Management".
Open "Money transfers" in the "Easy payment" tab.
Click on the line "Transfer to bank card".
Enter the data requested by the system. Usually this is the number from which you will have to debit money, as well as the amount and number of the destination card.
Check the box next to "From MTS phone account".
Click on the "Next" button.
Confirm process.

As in the previous case, finances will be transferred within 5 days from the date of sending the request. The commission for such transfers from MTS is not the highest - only 4% of the payment amount.

"Tele2" and banking plastic

How to transfer this or that amount of money to a Sberbank card through the Tele2 phone? To turn the intended business, you must do the following:

Open tele2.ru in browser.
Click on the line "Payments and transfers".
Select the command "To a bank card".
Specify the beneficiary bank. In our case, this is Sberbank.
Enter the sender's phone number and the recipient's card number.
Enter the amount to be transferred.
Enter the transaction confirmation code in the designated field.

The Tele2 commission for the operation under study is 5.75%. Money can be transferred to the specified account up to 5 business days, but this is a huge rarity. As a rule, funds are transferred to the card within a few hours.

SMS for help

You can transfer money to a Sberbank card from your phone using SMS requests. Every cellular operator has them. The subscriber just needs to form a message and send it to one or another short number.

Card_card number_month and year of validity_amount, sent to number 3116 - "MegaFon";
Card_plastic number_amount, sent to 7878 - "Beeline";
previously proposed form of message sent to number 159 - "Tele2".

That's all. Only on this, the possible ways of transferring money do not end there. There are a few other interesting tricks as well.

Mobile bank

We are talking about using the option of Sberbank called "Mobile Bank". With its help, you can transfer money from card to card through your phone. This option is also sometimes considered by citizens.

How to transfer money via mobile banking? To begin with, the option will have to be enabled. This procedure is done at absolutely any bank office, as well as at a payment terminal or at an ATM. Once the service is connected, you can use the following commands:

Transfer, number, amount, where "number" is the recipient's mobile number. The request must be sent to number 900. In this case, funds will be transferred from the sender's card to the plastic associated with the specified mobile device.
*900*12*number*amount#- a similar transfer between cards via mobile communications. The difference is that this is a USSD request that you just need to "ring out".

Now it is clear how to act in this or that case. Transferring funds to a Sberbank card from a phone is not difficult.

Conclusion

We found out how you can make financial transactions between Sberbank cards through mobile devices and networks. In addition, we managed to get acquainted with the most common methods of replenishing bank plastic using a phone and any other device that supports cellular communication.

All proposed options for the development of events are valid today. They work flawlessly throughout Russia.