How to deposit money into a savings bank without commission. How to deposit cash to a Sberbank card. How to deposit cash to a Sberbank card Deposit cash through a Sberbank ATM

Previously, it was possible to transfer money from card to Sberbank card only at bank offices, and in some cases it was possible to use ATMs. Now you can transfer funds in a variety of ways, without even leaving your apartment. But some bank card users cannot appreciate the full flexibility of financial transactions, because they simply do not know how to use the functions to their fullest. Let's look at all the possible options so that you can learn how to complete this task in a couple of minutes.

Submitting an application to transfer money from card to card at a Sberbank office is the most reliable way, because... First, the full name of the recipient of the amount is checked, which is carried out with the direct participation of the operator. You can transfer money between Sberbank cards opened in the same branch without commission. For example, when paying alimony or paying interest on a loan/credit, you cannot do without indicating your full name - the recipient of the transferred amount must be fully identified so that the funds do not go to another person in case of an error.

For payment, the following personal data of the recipient of the money is required:

• Serial number of the card account;
• Information about the recipient according to his passport;
• BIC of the bank office where he received the card;
• TIN of the recipient's card.

The recipient of the funds must verify this data using any of the following methods:

• Call 8-800-555-55-50 (toll-free in Russia);
• Sending to address [email protected] letters of request;
• Arrival at the nearest Sberbank office (you need to take your passport with you).

When paying to the destination card, the payer reports all the information received and the amount transferred to the recipient.

Important! When sending money to a Sberbank card to a person from another region of the Russian Federation, 1.5% of the transferred amount is withheld from the payer, but not more than 1000 rubles.

Transferring funds by contacting a bank office is an emergency measure for those who have difficulty accessing the Internet, or the nearest ATM is located further from home than the office itself, which is extremely rare.

Topping up your card through a Sberbank ATM

The ATM carries out transfers both from the card and when depositing cash. Thanks to the almost 100% similarity of the Sberbank software interface, almost all actions from the terminal exactly repeat the same actions on the ATM. To transfer the required amount from your card to another client’s card through a Sberbank ATM, do the following:

Upon completion of the transfer, you can make another transfer, go to the main list of types of monetary transactions, or interrupt the service session (the ATM will return the card).

Transferring money from card to card via Sberbank Online

Money is also transferred from card to Sberbank card through Sberbank Online. This is one of the fastest ways to put money on another card. The following requirements are imposed on the payer:

• Registered account with login using a login-password pair on the service page online.sberbank.ru.
• The current “Mobile Bank” service, without SMS confirmation using a numeric code, it will not be possible to top up someone else’s account using the card number - a monetary transaction carried out without such confirmation will be immediately responded to.
• The required amount to be transferred on your card.

To transfer to a card via Sberbank-Online, follow these steps:

Attention! You can send no more than 500,000 rubles per day from a card to a Sberbank card. Similar restrictions for other transfer methods have been adopted in order to prevent the laundering of multi-million and billion-dollar amounts in record time - in accordance with changes in Russian legislation over the past few years.

How to transfer money to another card number via SMS to 900

“Mobile Sberbank” also allows you to transfer money from card to card no less quickly than “Sberbank Online” using SMS to number 900. All transfer actions are carried out through Sberbank’s “Mobile Bank”.

• 0456 – last 4 digits of the payer’s card number;
• 0124 – last 4 digits of the recipient’s card number;
• 5000 – transfer amount (as an example).

Attention, the maximum amount of a one-time transfer is up to 10,000 rubles. The transfer currency is determined by the payer's card settings. You can use the Mobile Bank service using a template previously created using a terminal or in the Sberbank-Online system.

If the recipient of the funds has a working “Mobile Sberbank” service, the format of the SMS request for money transfer is also supported in another form, for example: “Transfer 918ххххххх 5000”, where only the subscriber’s 10-digit cell number and the transfer amount are indicated.

The maximum amount of a one-time transfer is 8,000 rubles, 1% is charged from the sender’s card (but not more than 1,000 rubles for each single transaction) as a commission. Money is transferred only between debit cards - transfers are not possible from credit or corporate cards.

Transfer money using a mobile application

To transfer money to the recipient's card, the payer needs the Sberbank of the Russian Federation application installed and authorized in the account linked to the card. Do the following:

Money transferred! In a maximum of 15 minutes, the receiver will receive the transferred amount to his Sberbank card.

General security when making transfers between Sberbank cards

Some scammers send SMS supposedly from Sberbank (from an unrelated federal or direct city mobile number, and also if another name is indicated in the header instead of “SBERBANK”), under no circumstances send them your card information or send any messages. If you have any doubts, it is better to contact the Sberbank operator via the hotline and find out if they sent you such and such a message.

The message may also contain links to fake sites that copy the design from sberbank.ru, requests or threats demanding the password for the login on the site, a temporary SMS code, etc. If there is a password for the Sberbank account in the browser history and card/account numbers – when you open a fake bank website, money from these accounts can be immediately stolen.

Transferring money from a card to a Sberbank card is very simple - just send an SMS code to number 900 or go to an ATM. In addition, over the past 10 years, Sberbank has developed its terminal network so that withdrawing/depositing money to a card/account in a village or town with a population of several thousand people is not a problem, and almost all stores in Russia cooperate with Sberbank.

Sberbank provides various opportunities and tools for replenishing a bank account. The most popular now are non-cash transfers, because cash can be deposited onto a card only through cash desks in bank branches, ATMs and payment terminals. As an alternative, you can use non-cash methods as an intermediate link for getting funds onto the card. Each client can choose the most suitable method for transferring cash to a Sberbank card. In this article we will tell you in more detail about all the options.

How to top up a Sberbank card with cash?

You can top up your Sberbank card balance in the following ways:

• through a cash desk at a Sberbank branch;
• through contacting another banking institution;
• via the terminal (not all devices have the required menu);
• through an ATM (it must be technically possible to deposit banknotes);
• via mobile (if the operator provides for the provision of such a service);
• through the post office.

The fastest way to deposit real paper money into a credit or savings account is through the cash desk of a Sberbank branch and through an ATM.

Other methods require additional steps. But other possibilities are also worth knowing; in some situations you will have to resort to them. Some methods involve charging an additional commission; it is worth clarifying the specifics of using certain funds.

Using an ATM

The most convenient way to top up your Sberbank card with cash is through an ATM or self-service device (terminal). Finding an ATM nearby is usually not difficult, because these technical devices are located on almost every corner. However, the problem is that not all of them have the function of accepting money. To search for a device with the ability to deposit money onto a card, you can use the official Sberbank website, 2GIS software and other card applications.

To deposit cash onto a Sberbank card via an ATM, you will need to follow these steps in sequence:

1. Insert the plastic into the corresponding connector of the device;
2. Enter your PIN using the keypad;
3. Next, select “Top up your account” (in working versions of the equipment, the menu may differ; the same action may require slightly different operations);
4. Insert bills into the bill acceptor (one at a time or all at once, depending on the version of the technical equipment, follow the prompts on the screen);
5. After making sure that the correct amount is displayed on the screen, confirm the operation;
6. Take the receipt and take the card.

No additional fees are required (provided that a Sberbank ATM is used). Replenishment is carried out instantly, in extreme cases you will have to wait a few minutes. If there is a Mobile Bank connection, you will receive an SMS notification of the completed operation.

Replenishment through Sberbank cash desk

This method can be called the most obvious, but the main drawback is that it lacks efficiency, because first you need to come to the department in person, and then also stand in line. The introduction of new technologies speeds up progress, the electronic queue makes it easy to get a seat, but it still takes some time. This method is preferred by the older generation, who have not fully accepted mobile technologies into their lives. Some older people are well versed in modern technology, but this is only a small proportion of the total mass.

When you have waited your turn, you can choose one of the available replenishment methods:

• making a transfer from a bank card (you must provide it);
• providing a passport and card number if you don’t have it with you;
• providing account details if you plan to use cash.

The employee will need a few minutes to enter the necessary data, and the funds will immediately be credited to the balance. If the transfer is made to a card from another region, you will need to pay a commission - a certain percentage of the amount (check with the branch). In your home region, enrollment is made without commission.

Making a transfer through a payment terminal

Payment terminals are even more common than ATMs, so transferring cash to a Sberbank card this way can be faster. To top up, you must remember the card number; the plastic product itself will not be involved in the process. The disadvantage of this method is the commission; you can find its size on the screen.

The terminal menus sometimes have some differences, but the actions fit into the general scheme:

1. Opening the “Payment for services” item;
2. Selecting the appropriate card type (Visa, Maestro, MIR, Mastercard);
3. Entering your card and mobile phone number;
4. Checking the accuracy of the entered data;
5. Confirmation of completion of previous actions;
6. Entering the amount into the bill acceptor (on most devices, bills are accepted individually);
7. Proof of payment.

If you need to transfer a certain amount to a card, calculate the amount of money taking into account the commission. Take the check and keep it until the funds arrive in the recipient's account. In the vast majority of cases this happens instantly, but sometimes you have to wait up to several hours. Expected dates are written on the screen, read the menu carefully.

Transferring money to a card from a mobile phone

Sometimes you can’t find an ATM, and the terminals you encounter do not have the function of replenishing a bank card. There is a way out of this situation; you can use a phone number as an intermediate link for transfer. This method is justified if there is really an urgent need to replenish, because the amount of the amount has restrictions, and you will also have to pay a rather large commission - from 4 to 8%, sometimes more, it all depends on the operator.

You can top up your mobile phone balance in communication stores (MTS, Beeline, Megafon, Euroset, Svyaznoy) and terminals. Both methods require instant replenishment. If you have Internet access (if your tariff does not have it, try to find a free Wi-Fi point), go to your operator’s website, there you will find detailed instructions on how to perform the operation correctly.

Beeline and Megafon subscribers can top up a plastic card without the Internet; this will require the following steps:

1. Create a request according to the operator’s instructions (for Megafon: card ZZZZZZZZZZZZZZZZ 11 12 2020, where card is the action to be performed, ZZZZZZZZZZZZZZZZZ is the number, 11 12 is the month and year, 2020 is the amount transferred; for Beeline: Mastercard ZZZZZZZZZZZZZZZZ 2020, where Mastercard – payment system, Visa or Maestro can be used, ZZZZZZZZZZZZZZZ – number, 2020 – amount transferred);
2. Send an SMS to the appropriate number (for Megafon it is 3116, and for Beeline it is 7878);
3. Act in accordance with the instructions from the reply SMS, often you only have to confirm before.

To confirm the operation, you need to send a numeric code sent via SMS. You can find out about commissions and restrictions on transferred amounts on the operators’ websites; their addresses are included in the concluded agreements.

Top up your balance at post offices

This is a method that has significant disadvantages. Firstly, the post office charges a large commission, and secondly, crediting funds can take 10 days.

If you still decide to use the mail, you need to find a post office and follow these steps:

1. Show the employee your passport;
2. Fill out the form provided (required fields are the recipient's card number and the amount of money);
3. Transfer money to the employee (including commission);
4. Receive a document confirming the operation.

Funding your account may take a long time, so it is worth saving the document before the money is credited to your balance. This will help to understand the situation if the service is not provided properly.

Transfer through the cash desk of another bank

The ability to deposit cash on a Sberbank card through another banking institution makes this action easier. This is required when other methods are not available. The disadvantages are the same as when working with mail, but still less significant - the commission is lower, and the delivery time does not exceed 5 days.

Performing a translation involves the following sequence of steps:

1. Presentation of a passport (it is possible to use another identification document);
2. Designation of details (depending on the available data);
3. Indication of the amount of funds transferred;
4. Payment for transfer;
5. Receipt of a document documenting the fact of service provision.

Saving a document or receipt until funds arrive becomes a matter of course. The amount of the commission should be clarified before making a payment. The use of the services of each bank may have its own specific features.

How to choose the best translation method?

Various situations can happen in life, which is why sometimes not the most profitable enrollment methods become popular. You also have to take into account whether you are topping up your own or someone else’s plastic card. Sometimes this circumstance makes expensive translation options more attractive.

When choosing a method for replenishing a Sberbank card, you should pay attention to such features as:

• deadline for crediting money to the card;
• availability of commission and its size;
• Ease of use;
• simplicity of the method.

People of different ages choose different methods of replenishment. An older person will most likely prefer a Sberbank branch, while young people will use non-cash transfers. The need to use cash is a thing of the past; using cards is simple and convenient. Transferring cash to a Sberbank card will not be difficult, even if you have poor technical skills, choose any option from the instructions described.

Card replenishment may be necessary for both debit card holders and credit card holders with a credit limit of borrowed funds.

The methods for replenishing a Sberbank card in both cases will be identical; the operation is carried out according to the standard algorithm and according to the bank’s tariffs (which you need to pay special attention to so as not to overpay).

If necessary, the procedure can be performed using any of the available methods:

• by contacting the cashier;
• at any ATM equipped with a bill acceptor;
• using a terminal;
• via mobile phone;
• at a cash register, terminal or ATM of any other third-party financial institution;
• at the post office.

Traditionally, citizens most often use the first three options, since they are convenient, require minimal time for replenishment and there is no need to overpay a commission for using ATMs of third-party banks.

Deadlines for crediting money

There are many options for how to deposit money onto a Sberbank card, and the term for crediting funds when using each of them will also vary. So on average, the amount goes through the cash register in 1-2 working days, in rare cases the period extends to 3-5 working days.

Replenishing through an ATM is convenient by depositing money almost instantly, the same is true with the terminal, the transfer period through which is only a couple of hours.

In most cases, you need to have your own plastic card with you; you will only need your passport when replenishing your account at the bank cash desk. If there is a question about topping up a third party’s card, you will also need the recipient’s plastic details.

The details of the recipient bank are an important thing that may be needed if you decide to top up your Sberbank card account through a third-party bank. To get them, just go to the branch and ask the operator to give you the necessary information.

We use an ATM. How to top up your own and someone else's cards?

Replenishing your account through Sberbank ATMs is carried out without commission, which is especially important for clients who do this often and transfer large amounts to their balance.

You will be able to deposit cash onto your Sberbank card via an ATM if you follow this scheme:

1. insert the card into the receiver and enter your PIN code on the buttons;
2. from the main menu, use the buttons to go to the cash transactions section, where you click on “Card replenishment”;
3. then just look carefully at the screen and use the prompts that appear on it;
4. you will be asked to deposit money into the bill acceptor one bill at a time;
5. When you reach the required amount, you should click ready and check the information on the screen: how much money will be credited to your balance (this point will be especially relevant if you are using a third-party ATM). In this case, the screen will also show information about the amount of commission charged. We recommend checking its size before you deposit money;
6. then click on “Print a receipt”, which it is advisable to save until the processing of the transaction is completed.

In this case, it is not at all necessary to have a card with you. There is no need to be scared or panic; the operation can be easily performed even if the plastic is lying at home.

In the main menu, you can immediately select “Operations without a card”, where you can also find the replenishment button. But you will need to know the plastic number by heart or ask one of your relatives to find your card at home and dictate 16 digits to you. Then we simply deposit the banknotes, receive a check and wait for the amount to be credited to the account.

But there are other options for depositing cash on a Sberbank card. For comparison, let’s look at what the algorithm of actions will look like if a top-up is required for someone else’s card.

You will need your own plastic, money and the recipient’s card details, otherwise the transfer is carried out in exactly the same way as in the case described above.

If you plan to top up not from your card account, then you will have to look for an ATM with a cash acceptance option; the money must be deposited into the bill acceptor immediately after you enter the recipient’s card number and verify the information.

As you can see, there are no difficulties, even if the plastic is left at home, but you still need to replenish it. The main thing is to approach the task wisely and if you have any questions, immediately call the Sberbank hotline.

Replenishment via cash desk at a bank branch

If you need to deposit cash into your account and the option of a non-cash transfer remotely is not considered at all, a cashier at a bank branch will come to the rescue. You must have a passport with you and know the details of the card on which you need to transfer money. And of course you need cash.

The obvious disadvantage of this method is that you have to wait in line and waste your time visiting a branch whose opening hours are limited. But the payment is guaranteed to be credited to your balance; the possibility of incorrectly entering card details is virtually eliminated.

If you need to top up your credit card in order to cover your monthly required payment, you should remember that you can deposit a slightly larger amount into your balance.

There will be no sanctions for this, the money will be safe in any case, but in this way the card holder will protect himself from possible delay.

Online transfers to a card

Since the article is about how to deposit cash on a Sberbank card, we will not touch upon methods of replenishing using a mobile phone and short commands, but we will go a little through online banking.

This is convenient, because after completing the transfer, the money will be credited to your account in just a couple of minutes. You can log in to the site using your login and password if you have already completed the registration procedure.

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How to apply for and connect Visa Digital in Sberbank

In order to issue, connect and use a digital card of the SB of the Russian Federation, you have two ways.
The first is to visit a bank branch, where nice girls will quickly arrange everything for you.
The second is through the Sberbank Online service, in which you can independently connect a virtual card and manage it in the future. We will now consider this path.

A page will open with information about the service, tariffs and other useful information. Here you just need to click on the button Order.

In the next step, select the tariff for SMS notification about the movement of funds in the account:

I would advise sticking with the free Economy package for now. You can always connect to advanced SMS Bank options if necessary. Click on the button Design.

At this time, you will be sent an SMS with a code to confirm your actions. It will come from number 900 and look like this:

A window will appear on your screen confirming your application for connecting a Visa Digital card from Sberbank.

Here you will need to enter the code received via SMS and click on the button Confirm.

As soon as you do this, a message will appear that the application for the virtual Visa Digital card has been accepted:

Several SMS messages will be sent to your phone again. One thing about card activation:

The second SMS message will contain the security code CVC2/CVV2, which must be remembered or saved in a safe place.

From now on, you are the owner of a digital Sberbank card without plastic, which you can add to applications of contactless payment systems and use!

How to use a Sberbank digital card

Everything is easy and simple here. In terms of payments and other operations, the Visa Digital virtual card is no different from other cards of this bank. It will also appear in Sberbank Online:

Restrictions:

— You cannot order more than 1 digital Visa Digital card for one individual
— You cannot use this card at an ATM (perhaps the restriction will be lifted later)
— A virtual card can only be a debit card
— You can withdraw up to 100,000 ₽ per month without commission at ATMs and Sberbank cash desks

How to deposit cash on a Sberbank card, whether it is possible to deposit money onto the card through a terminal, an ATM, or in another way, read on this page.

An increasing number of people today use bank cards from Sberbank and other banks, because we have finally realized how convenient it is - not to carry wads of cash in our wallets. But at the same time, a large number of questions arise about plastic bank cards. Many people ask how they can top up their Sberbank bank card account, in other words, put money on the card.

In fact, this is quite simple to do, and there are several ways to transfer money to a Sberbank card.

How to put money on a Sberbank bank card

An individual can top up a Sberbank plastic card account in one of the following ways.

Deposit cash into your card account through a Sberbank terminal

The easiest way to deposit cash on a card is with the help of a bank employee at a Sberbank branch equipped with an electronic terminal that services international cards. When carrying out this operation, the client is required to present an identification document and a card (or card number).

If you need to deposit not currency, but rubles and their amount does not exceed 600 thousand, then it is allowed to carry out the operation without the client’s passport. The operation is carried out only using a card and entering a PIN code.

You can top up your ruble card account through an electronic terminal without the plastic card itself. It is enough to know only the card number. But at the same time, the operation is carried out with the obligatory presentation of an identity document, that is, a passport.

Deposit cash to the card through an ATM of Sberbank of Russia

You can deposit money to a Sberbank card through Sberbank of Russia ATMs or self-service terminals that accept cash.

To do this, you need to insert the card into the ATM, enter the PIN code, find the “Deposit cash” section in the menu that opens and deposit the required amount into the cash acceptor.

You can also deposit money on a Sberbank card non-cash - by transferring from card to card or from a bank account to a card.