Transferring money through a Sberbank ATM is quite simple. In order to transfer money to a Sberbank card through an ATM, you only need the card number for the transfer. The Sberbank card number will need to be obtained from the recipient of the funds.

Step-by-step instructions for transferring money to a Sberbank card:

Important:

• To transfer money not to a card, but to the recipient’s account, just enter the account number in the input field instead of the card number.
• You must carefully enter the recipient's card or account number. If you make a mistake in the numbers, it will be quite a hassle to get your money back.
• You cannot use a Sberbank credit card to transfer funds to someone else’s card. Money transfer is only available from a debit or salary card.
• No commission is charged for transferring money between cards and Sberbank accounts if the amount does not exceed 150,000 rubles in one day.
• For transfers exceeding 150,000 rubles per day, a commission of 0.75% is charged.
• For transferring money to cards of other banks, a commission of 1-2% may be charged, but not more than 2000 rubles.
• All fees are charged to the sender's account.
• Transferring money to a Sberbank card via an ATM is carried out instantly.

Transferring funds from card to card is a very popular way of transferring money today. People are transferring money to someone’s account less and less often, since entering a 16-digit number is faster and more convenient. Regardless of whether you want to transfer money between your cards from different banks or send it to someone else, it is worth studying possible transfer methods, fees and restrictions.

When may there be a need for translation?

The method of transferring from one card to another has the following advantages:

• simplicity of the process - in order to make a transfer, you just need to find out the card number. No long details or details about the recipient are required for the transfer;
• speed of transfer - funds during transfer are almost always credited instantly. The exception here is the translation between different banks, in case of delay on the part of the banking system of the recipient of funds;
• no commissions for transfers within the city - if you transfer funds within the same banking system, then there will be no commission for this operation. If you send money to another city, there will still be a commission within one bank, although usually insignificant.

Situations when you may need to perform such a translation:

• if you have two cards from the same bank and you want to move your funds between them;
• in a situation where you need to transfer funds from a card of one banking system to a card of another banking system;
• to transfer money to your relative or friend;
• when buying or selling something over the Internet, if we are talking about a small amount.

Translation Money between cards is not used to pay for large transactions.

How to transfer money from one card to another: step-by-step instructions

Regardless of which bank card you use, the process of sending money from one card to another is approximately the same. Let's figure out how to make a transfer using the example of a Sberbank of the Russian Federation card, but if necessary, you can easily adapt these instructions to the bank you require.

Once a transfer has been completed, you cannot cancel it yourself; be extremely careful when making it.

Guide using the example of Sberbank

There are several ways to transfer money within the same banking system.

Via online application

One of the most convenient methods is a transfer using the Sberbank Online application on your phone:

Via SMS message

The next method is to transfer funds via SMS. It is necessary that both the sender and the recipient have the “ Mobile bank" To transfer funds you need to complete a number of steps.

Using Sberbank Online

Transferring through Sberbank Online using the website is also very simple. First, you need to gain access to your personal account. You can get your login details from the bank. Log in to the site and do the following:

Transfer via ATM

You can also transfer funds from card to card using an ATM. This method is used less often than others, because more often people prefer to make money transactions without leaving home. And the transfer is carried out using an ATM as follows:

Regardless of the transfer method, when transferring funds from the card of one Sberbank client to the card of another, the money will be credited instantly.

How to transfer funds between different banks

A transfer to a card in another bank is characterized by the presence of a commission and an increased transfer time. Otherwise, the translation process is almost the same for each method. When transferring through the Sberbank Online website or application, you must do the following:

To transfer through an ATM, just do the following:

Limits and commissions

Each bank has its own restrictions on transfers. These are expressed both in the maximum amount of funds you can transfer and in the fees for completing the transaction. If you need to make a transfer within the Sberbank system, the conditions will be as follows:

• within one region, no additional fee they won’t charge you;
• if you send funds to another city, the commission will be 1%, but not more than one thousand rubles;
• transfer limit per day: when transferring via SMS - 8 thousand rubles, through the application 500 thousand rubles, using the website - up to 1 million rubles.

When transferring from a Sberbank card to a card of another bank:

• transfer time depends on the recipient's bank;
• the maximum amount of one transfer is 30 thousand rubles;
• the amount of transfers per day is 50 thousand rubles for Visa Electron/Maestro, 150 thousand for other cards;
• the commission is one and a half percent, but not less than 30 rubles.

Conditions of other banks

In other banks, commissions and limits differ from the commissions and limits of Sberbank. Since the transfer process itself occurs approximately the same everywhere, we will consider only these commissions and limits:

Is it possible to save on commissions?

An obvious way to save money when transferring is to transfer between cards of the same bank. Most banking systems there will be no commission for such an operation. Sometimes, when it comes to the need to send a large amount, it’s more convenient to simply ask the recipient to get a card the desired bank. Of course, this is only beneficial if the fees exceed the cost of servicing this card.

If you need to transfer funds between your cards from different banks, you can simply withdraw cash from one card and credit it to another through an ATM. This way you won't have to pay any commission. That is, transferring from one card to another is not always the most profitable solution.

Video: transferring funds from card to card via ATM

Transferring from card to card is perhaps the easiest way to transfer funds. With the development of technology, the opportunity to transfer money both within one city and throughout the country is becoming more accessible. Remember to be careful when doing anything monetary transactions and then the transfer of funds will be convenient and safe.

Working with an ATM is very simple, if only because if you carefully read the recommendations that appear on its monitor, it is simply impossible to get confused! You can make any payments to various organizations. In addition, you can very quickly and conveniently transfer money to another cardholder or any legal entity to an account. To do this, you need to find out how to transfer money through an ATM.

Transfer from card to card

In order to make a transfer from card to card, you need to insert your card into the ATM and enter your PIN code. Then a menu will appear in which you will be asked to select the type of operation, you need to press the button “ Money transfers" After this, another menu will appear in which you select “To another card”. Then you will have to enter the amount you are going to transfer and the number of the card to which you want to credit this payment. After all this, following the instructions on the monitor, you will have to confirm the payment by checking the recipient's card number. After this, be sure to take a receipt; it may be required in many cases.

Other types of translation

If you want to transfer money from your card to the recipient’s account, that is, cashless payment, everything must be done exactly the same as when transferring from card to card, only by selecting “Money transfers”, then select “Transfer to account”. Instead of the 16-digit card number, you will have to enter the 20-digit personal account number of the payee. You can transfer money through a Sberbank ATM even without having anything on your card. You just need to select “Cash transfer” in the “Money transfers” section. After this, you will need to enter the card number or the recipient's account and insert the money into the bill acceptor.

Translation Features

You need to understand, when learning how to transfer money from an ATM, that every transaction costs money, including banking. Therefore, the bank will withhold 1% from each transfer as a commission. If you used the services of an operator to transfer money, you would part with 1.5% of the amount. In addition, you should not hope that your recipient will see the money in his possession in the next minute. Sberbank guarantees receipt of money within 30 minutes to 6 days. It may turn out faster, but it won’t last longer. If after 6 days the money has not reached the recipient, then, along with the check and the recipient’s account or card number, go to the Sberbank office, where they are required to accept your claim and figure out what happened.

How to make a transfer from a credit card for yourself or another person to a Sberbank card?

If you are transferring between your accounts, go to the “Transfers and Payments” section → “Between your accounts and cards” → fill in the fields and send the transfer.

If you are transferring to another person, in Sberbank Online, go to “Transfers and Payments” → “Transfer to a Sberbank client” → select the type of transfer: by phone number or by card number → fill in the fields and send the transfer → confirm the transfer via SMS.

What is the fee for transferring from credit cards?

The transfer fee will be 3% of the amount, minimum 390 rubles.

To which card can I transfer money from my credit card?

You can transfer to a ruble debit card - yours or another Sberbank client. The transfer fee will be 3% of the transfer amount, but not less than 390 rubles.

How long does it take for money to be credited when transferring from a credit card?

The funds will arrive instantly, within a few seconds.

How much can I transfer from a credit card to myself or another Sberbank client?

You can transfer between your accounts without restrictions on the amount. Please note that the commission in any case will be 3% of the transfer amount, but not less than 390 rubles.

If you transfer from your credit card to another Sberbank client, the transfer will be taken into account in the total daily limit for all transactions in personal account Sberbank Online. Maximum amount for transfers, payments and cash withdrawals is 1,000,000 rubles.

You can look at the transfer limit for your card: to do this, find the page with tariffs for your credit card, and then the column “General daily limit on the card account."

This is incorrect information. Within the framework of the legislation of the Russian Federation, the bank does not have the function of withholding taxes from clients making transfers. The bank does not transmit information about client transfers to the tax office without an official request.

Will the sender of a card-to-card transfer be charged tax if the recipient is self-employed?

No, the sender will not be charged tax, regardless of the recipient.

Will the recipient of a card-to-card transfer be charged tax if the recipient is self-employed?

Within the framework of the legislation of the Russian Federation, the bank does not have the function of withholding taxes from clients making transfers; the recipient of the income reports for the income received. The recipient is obliged to independently transmit information about income to the Federal Tax Service in cases where income tax has not been paid by the employer.

Is it necessary to write comments on transfers “repaying debt” or “gift” so that card transfers are not blocked?

There is no such need, since the comments that the client can send to the recipient along with the transfer via SMS are created for the convenience of senders and recipients of transfers.

Where can I see the history of my translations?

You can view your transaction history at mobile application Sberbank Online: click the “History” tab in the bottom menu. In the web version of Sberbank Online, in the “Personal Menu” on the screen on the right, find the item “Sberbank Online Transaction History”.

What to do if the transfer does not arrive on the recipient’s card?

First of all, make sure that you have confirmation of the debiting of funds - in an SMS from the bank or in a card statement. Then call contact center Sberbank by number 900 (from mobile phone, the call is free). Our specialists will definitely find the translation.

Is it safe to transfer money using a mobile app or other methods?

We do everything to protect your money and personal data when working in the mobile application. But for complete safety, follow the rules:

Do not share your mobile app password with anyone.

Use only official bank applications for Android, iPhone, iPad and Windows Phone.

If you have lost your phone, immediately block your SIM card and Mobile Banking service.

If you have changed your phone number, please notify the bank by calling 900.

Set a password on your phone.

If your SIM card suddenly stops working, call your telecom operator and find out the reason: perhaps you are being attacked by scammers using a virus.

Sberbank has several options for replenishing card accounts. For example, you can deposit money in cash through a branch cash desk or using an ATM and terminal. It will not be difficult to make a transfer from card to card of Sberbank or any other structure. And although most clients prefer to use online transfer methods, transactions through self-service devices are in steady demand.

We will tell you about transferring money through a Sberbank ATM, in which cases you will have to pay a commission fee and what you should be wary of.

Basic Rules

Holders bank cards know about ways to replenish their accounts, but when it comes to transfers to other banks, questions arise about how much money goes, whether it is possible to transfer to another account through a Sberbank ATM credit structure etc.

Rates

Transferring money through a Sberbank ATM between debit cards one territorial unit will be credited instantly and free of charge.

There are pitfalls that not everyone knows about: transferring money through a Sberbank ATM to a card opened in another region will cost a fee. The commission will be paid by the sender, it will be 1.5% of the amount. The same tariff applies when sending money to other banks.

Limits

The amount of transfers to other banks is limited: you can send up to 30,000 rubles at a time. In just one day, you are allowed to transfer up to 50,000 rubles from Electron or Maestro cards, and no more than 150,000 rubles from cards of other statuses.

Deadlines for receipt of funds

Transfers between your accounts are credited instantly. If the recipient owns a card from another bank, then the relevant question for him is how long it takes for the money to arrive on the Sberbank card. It is worth knowing that interbank transactions can take up to three days. Sberbank works quickly, money arrives faster, within 24 hours.

Algorithm for sending money through self-service devices

The answer to how to transfer money to a Sberbank card via an ATM can be found in the menu of the device itself; the program will give hints. Procedure:

Clients often trust transfer transactions more large sums ATMs, considering that the terminals are used for communication. This is not true: self-service devices have wide functionality, and it won’t be difficult to figure out how to transfer money to a Sberbank card through the terminal. The procedure is similar: you need to install your card in the device’s receiver and then follow the menu prompts. At the end of the transaction, you should receive a receipt and make sure that the amount was written off correctly.

What to watch out for when transferring money

Theft of card account data

Typically, the process of transferring money does not cause any difficulties: the device menu is clear and simple, and if necessary, you can seek the help of a consultant. But this service is available if you send money through an ATM of Sberbank of Russia in fixed offices. If the transaction is carried out in devices located in public places, customers should consider protecting their funds.

Fraudsters come up with various tricks to obtain card data. And if appearance ATM or terminal is in doubt, it is better to postpone the operation.

If the terminal “ate” the card, you need to urgently call the open Sberbank line and block the account.

You cannot call short numbers listed on devices: these are fraudulent schemes. You cannot disclose your secret digital three-digit code or password from Sberbank Online to third parties.

If you need to make a transfer to a Sberbank card through a self-service device, we recommend using the services at bank branches.

Unauthorized overdraft

In some cases, the client may end up with an excess balance on the card (unauthorized overdraft). For this, the bank will charge penalty interest. To avoid trouble, you need to know some rules of the banking structure.

We'll tell you how to transfer money from an ATM to a Sberbank or other structure card correctly: if it is necessary to make a transfer, but there is no money, the client deposits the amount in cash through the device. Then he immediately carries out the payment transaction and receives receipts for crediting and debiting.

In practice, cases arise when the banking program has not yet credited the amount to the account, but the debit operation has been carried out. The time difference between these transactions is negligible - only a couple of minutes. But it is precisely in such cases that it arises technical overdraft. Of course, you can send a complaint, attach receipts for receiving and transferring money, but, as a rule, the bank does not accommodate the client halfway, citing its rules.

Therefore, after depositing cash into your card account, in addition to the receipt of money, request the account balance. This operation will take a minimum of time and will give another check, which will reflect the real balance on the card. If the amount is sufficient to write off, you can safely make a transfer.

We discussed how to transfer money to a Sberbank card through a terminal or ATM, what costs and risks are associated with this operation. We remind you that more profitable ways transfer today – online banking services. But if heading to the nearest ATM is your only option, take steps to ensure your financial security.