Working with an ATM is very simple, if only because if you carefully read the recommendations that pop up 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 the account. To do this, you need to learn 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 an ATM, enter the pin code. Then a menu will appear in which you will be asked to select the type of operation, you need to click the "Money transfers" button. After that, 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 addressee's card number. After that, be sure to take a check, 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, to carry out cashless payment, everything must be done in exactly the same way as when transferring from card to card, only by selecting "Money transfers", then select "Transfer to account". Instead of a 16-digit card number, you will need to enter a 20-digit number personal account payee. You can transfer money through a Sberbank ATM without even having anything on your card. You just need to select "Cash transfer" in the "Money transfers" section. After that, you will need to enter the card number or account of the recipient, and insert money into the bill acceptor.
Translation Features
When learning how to transfer money from an ATM, you need to understand that every transaction costs money, including banking. Therefore, from each transfer, the bank will withhold 1% 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 the next minute. Sberbank guarantees the receipt of money within a period of 30 minutes to 6 days. It may be faster, but not longer. If even after 6 days the money has not reached the recipient, then go to the Sberbank office together with the check and the recipient’s account or card number, where they are obliged to accept a claim from you and find out what happened.
Banking operations are very popular among the citizens of the Russian Federation. At the same time, almost every plastic card holder has had problems with the transfer at least once. Money.
Therefore, for each new client, the bank consultant is obliged to explain all the features of the banking operations, which will be available to him immediately after receiving a plastic card.
First of all, customers are interested in whether it is possible to transfer money through an ATM? Yes, you can send money to a client card of any other bank through an ATM, through a mobile bank and other methods, among which the client can choose the most convenient one. Specialists specifically engaged in this, because it helps to attract new customers and significantly improve the level of service.
Transfer through an ATM has a number of advantages: the operation is carried out quickly, the money is credited to the balance instantly, and the commission is relatively small when compared with other methods.
Features of the operation
If the sender and the recipient have a card of the same bank, then when transferring through their own ATM, the sender is usually not charged additional fees. Non-cash payment methods are much more convenient, because they are made very simply and quickly. Just a few minutes after the payment, the recipient will be able to manage the money at their discretion.
But if the sender has a plastic card from one bank, and the recipient has a third-party one, then you will have to pay a percentage of the transfer amount for using the services of a third-party bank. At non-cash transfers this commission varies from 0.5% to 1.5% and higher. In some cases, the bank can still pull additional minimum fee.
It is recommended to transfer amounts from debit cards, because credit cards charge a large percentage for the use of credit funds, which can reach 5% of the transfer amount. Such operations are not very beneficial for the sender.
The terms for crediting funds depend on the bank that issued the recipient's card. Usually, non-cash transactions through an ATM and the “Internet banking” service are carried out quickly and within 30 minutes after payment the money is credited to the account, but in rare cases there may be delays and the payment will arrive within a few business days.
Algorithm for transferring money through an ATM
This will be convenient for those customers near whom there is an ATM of the bank that issued the bank card. Now step by step on how to transfer money to a card through an ATM:
- the first step is to go to an ATM and insert a card into a special cell;
- enter a four-digit PIN code from the card and go to the main menu of the ATM;
- among all the proposed operations, you must select "Transfer of funds";
- Next, a window will open in which you will need to enter the details of the recipient's card. It is recommended to check the correctness of data entry, because some ATMs do not display the name of the recipient and the money can go in an unknown direction in case of an error. It will be impossible to return them later.
- at the next stage, the ATM will issue information about the cardholder, and if everything is correct, then you can safely click on "Next";
- after that, you will need to enter the amount to transfer and click "Pay". After that, it is recommended to take a check on a successful operation. He can play important role when resolving issues with problems of crediting funds.
After clicking on the payment button, the payment will be processed and the money will go to the recipient's card in the near future. The terms of crediting depend on the bank that issued the recipient's card. For intra-bank transactions, the waiting period is minimal and will be approximately 10 minutes, but in some cases, the payment may be delayed for up to one business day.
Now you know more about how to transfer money through an ATM. There is another row important points: some ATMs are equipped with special bill acceptors, so if there is not enough money on the card, then when confirming the payment, you can deposit the amount into the ATM in cash. It will immediately show how much has been paid minus the commission for using the bank's services. It's comfortable.
When transferring within the same bank, there are no additional payments, and how much money the client deposits, the amount will be credited to the recipient's account. After the transaction, you must definitely pick up the check, because it can come in handy in unforeseen situations.
Results
One of the advantages of such operations is that the recipient does not have to go anywhere for money. He will immediately receive the amount on the card and will be able to safely dispose of it. It is recommended to print a check after each transaction, because there may be problems on the bank's side and the payment will simply be canceled.
Check out the offers of banks
| Card with cashback in Rosbank | Issue a card |
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- Cashback up to 7% - for selected categories;
- Cashback 1% - for all purchases;
- Bonuses, discounts on goods and services from VISA;;
- Internet banking - free of charge;
- Mobile bank- is free;
- Up to 4 different currencies on 1 card.
| Card from PromsvyazBank | Issue a card |
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- Up to 5% cashback;
- Cash withdrawal without commission at partner ATMs;
- Internet banking - free of charge;
- Mobile banking is free.
| Card from Home Credit Bank | Issue a card |
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- Up to 10% cashback from partners;
- Up to 7% per annum on the account balance;
- Withdrawing funds from ATMs without commission (up to 5 times a month);
- Apple technology Pay, Google Pay and Samsung Pay
- Free internet banking;
- Free mobile banking.
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- Cashback up to 10% from gas stations
- Cashback up to 5% from bills in cafes and restaurants
- Cashback up to 1% on all other purchases
- Up to 6% per annum on the balance
- Card service - free of charge;
- Free internet banking;
- Free mobile banking.
| Card from Tinkoff Bank |
An alternative to conventional money transfers without opening bank account today transfers "from card to card" through ATMs and self-service terminal devices are becoming. Such a translation can naturally only be carried out if there is debit card both the sender and the recipient of money.
Transferring money from a card to a Sberbank card through an ATM or terminal device - such a service is now provided by Sberbank in almost all divisions of Sberbank of Russia. And the popularity of such transfers will increase, as Sberbank has embarked on a massive introduction of debit cards to transfer interest on deposits of the population, to pay pensions, to transfer salaries, which will significantly increase the number of cardholders. This will be facilitated by the expansion by Sberbank of multi-profile ATMs and terminal devices throughout the country, in order to increase the number of outlets for the provision of the “transfer from card to card” service and simplify the procedure for their registration.
Where can I make a transfer?
Money transfers from a card to a Sberbank card can be issued:- through ATMs of Sberbank of Russia;
- through self-service information and payment terminals (IPT) of Sberbank of Russia;
- through the Sberbank OnL @ yn system.
- through the Mobile Bank system.
- regular transfers "on a long-term order of the client" - by operational employees.
- one-time - through an operating employee structural unit Sberbank of Russia
Translations with bank cards through ATMs are carried out only between bank cards of Sberbank of Russia, i.e. the program does not yet provide for transfers from a Sberbank card to a card of another bank. So far, only Alfa-Bank offers its customers a simplified online transfer scheme from a bank card to a card of another bank.
Money transfers are carried out on the accounts of all bank cards ( Visa Gold, Gold MasterCard, Visa Classic, MasterCard Standard, Sberbank-Maestro, Sberbank-Visa Electron, Sberbank-Maestro "Social", Sberbank-Maestro "Student", Sberbank-Maestro "Momentum"). And by Visa cards Business, MasterCard Business and the Sberbank-Maestro card issued by the North-Western and Volga banks of Sberbank of Russia, operations on “transfers from card to card” are not yet made.
Sberbank's tariffs for card-to-card transfers
Tariffs for money transfers within the system of Sberbank of Russia, carried out using cards through remote service channels, on a long-term order, through a cash clerk of a structural unit of Sberbank of Russia, the following apply:
| Type of operation | Name of the card product for which the service tariff is applied | Transfer fees |
|---|---|---|
| Transfer of funds in the currency of the Russian Federation and in foreign currency between Sberbank of Russia cards owned by the same Holder | all card products | is free |
| Transfer of funds in the currency of the Russian Federation and in foreign currency to cards of another individual opened in the same branch of Sberbank of Russia (9) | all card products | is free |
| Transfer of funds in the currency of the Russian Federation and in foreign currency to cards (except credit cards) of another individual opened in other branches of Sberbank of Russia (if there are several branches of Sberbank of Russia within the territory of one city (10) - to a branch located outside the territory of the city ): - through remote service channels and on a long-term assignment - through an operating and cash employee of a structural subdivision of Sberbank of Russia | all card products | 1% of the amount, max 1000 rubles. 1.5% of the amount (min RUB 30, max RUB 1000) |
| Transfer of funds in Russian currency to credit cards Sberbank of Russia | all card products | is free |
| Transfer of funds in the currency of the Russian Federation and in foreign currency between Sberbank of Russia cards belonging to the same Holder (20) | all card products except SBERCARD | is free |
| Transfer of funds in the currency of the Russian Federation and in foreign currency to the card of another individual | all card products except SBERCARD (20) | operation is not performed |
(9) If there are several bank branches in one city - within the same city. The list of such cities is approved by a separate order of the Savings Bank of Russia. (10) The list of such cities is approved by a separate order of the Savings Bank of Russia. (20) Remote service channels: ATMs and information and payment terminals (IPT) of Sberbank of Russia, Sberbank OnL@yn system, Mobile Bank system. The list of services provided by the Bank through remote service channels is determined by the availability of technical feasibility.
Transfers from card to card are carried out according to the card number of the recipient of the transfer.
Transfer fee, if applicable paid service, is charged from the bank card account of the sender from which the transfer was made.
When transferring funds to another client, there is a limit on the amount. The limit on card-to-card transfers in self-service devices (ATMs, terminal devices) is as follows:
| Name of service | By card type | The size of the daily cumulative limit* (4) |
|---|---|---|
| Transactions through self-service devices for transferring from a bank card account to a bank card account of another client | Visa Gold, Gold MasterCard Visa Infinite, Visa Platinum, Platinum MasterCard | no more than 300,000 rubles*** |
| Visa Classic, MasterCard Standard | no more than 200,000 rubles*** |
|
| Sberbank - Maestro, Sberbank-Visa Electron, Sberbank - Maestro "Student", Sberbank - Maestro "Social", Sberbank - Maestro "Momentum", PRO100 | no more than 100,000 rubles*** |
|
| Client transactions through self-service devices for transferring from his bank card accounts to bank card accounts of other clients. | all customer cards | no more than 300,000 rubles (cumulatively for all customer cards) |
| Transfers through Sberbank Online@yn to the accounts of others individuals performed not within the templates defined by the client, in case the operation is confirmed with a one-time password received through a self-service device | all card products | no more than 100,000 rubles** |
(4) *The daily cumulative limit is valid from 00:00 to 24:00 Moscow time. ** The daily cumulative limit is set to expenditure transactions one client. When a transaction is made on an account in a foreign currency, the amount of the transaction is converted into rubles at the rate set by the Bank.
***The daily cumulative limit is set on the account of the card from which the debit transaction is carried out.
When making a transfer through an ATM or terminal, the client must clearly understand whether funds are being transferred to the branch of Sberbank where his card is opened or not. And the price of the question - will the service of Sberbank be paid or free. So, one of my readers, in order to transfer from card to card with “lower costs” and not stand in a long queue, decided to consult with a hall consultant. And the hall consultant convinced her to make a transfer through an ATM, saying that: "there can be no commission, we were given them with this condition." The inattention, and perhaps the lack of competence of the consultant, led to the fact that my reader, having carried out remittance from her card to her father's card to another city in the same region, was extremely upset when she discovered that she had paid a commission that was automatically deducted. And repeated visits to the bank have not yet given anything, the commission is not returned, and they cannot say anything intelligible to a person. You ask, what about the tariffs for transfers from card to card, in which the service within one branch is free? Sometimes it can be very difficult to understand and prove mistakes that cause unnecessary expenses. My advice, when working with a bank, trust documents more than words.
How to transfer money through an ATM or information and payment terminal?
To transfer money from card to card through a Sberbank ATM or information and payment terminal, the sender will need the recipient's bank card number. Only the recipient can provide this information to the sender of funds. When transferring the card number and making a transfer through an ATM, you must be extremely careful so that the ATM is in working condition so that an error does not creep into the recipient’s card number, otherwise you will transfer money to “uncle” and it will be quite difficult to return them.
The procedure for transferring money through an ATM consists of the following operations:
- Insert your card into an ATM or information and payment terminal.
- Enter a PIN code to identify your card;
- In the main window, select the "Money transfer" or "Funds transfer" service;
- Enter the recipient's card number. The recipient's card number can have a 16 or 18 digit number;
- Enter the amount of the transaction and indicate the type of currency, for example - rubles;
- To complete the transaction, confirm the operation;
- The funds will be debited from your card and sent to the account of the card number you specified;
- Don't forget to pick up your receipt and card.
What rules should be kept in mind when carrying out the operation?
To make a transfer, you must comply with the following rules developed by the bank:
- The transfer is carried out in the currency of the "sender's card" account or in the currency of the "recipient's card" account;
- The transfer fee is charged from the "sender's card" account;
- Cashless transfer is not possible from a credit card account;
- Money transfer from the cardholder's foreign currency account (US dollars/euro) is allowed basically only to other cards of this holder.
So, I told you about a good and relatively inexpensive money transfer service of Sberbank of Russia, there is only very little left - to switch to Sberbank plastic cards for everyone and learn how to “communicate” with ATMs, terminal devices and work through Sberbank Online @ yn without fear .
Sberbank has several options for replenishing card accounts. For example, you can deposit money in cash through the cash desk of the branch or using an ATM and terminal. It will not be difficult to make a transfer from a card to a card of Sberbank or any other structure. And although most customers prefer to use online transfer methods, transactions through self-service devices are in stable 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 they know about ways to replenish their accounts, but when it comes to transfers to other banks, questions arise, how much money goes, is it possible to transfer through a Sberbank ATM to another account credit structure etc.
Rates
Transferring money through a Sberbank ATM between debit cards of one territorial division 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 be paid. 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
Transfer amounts to other banks are limited: you can send up to 30,000 rubles at a time. In just one day, it is 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.
Terms of receipt of funds
Transfers between your accounts are credited instantly. If the recipient owns a card of another bank, then the question is relevant for him, how long does the money go to the Sberbank card. It is worth knowing that interbank transactions can take up to three days. Sberbank works quickly, money arrives faster, within a day.
Algorithm for sending money through self-service devices
The answer on how to transfer money to a Sberbank card through an ATM can be found in the menu of the device itself, the program will give hints. Procedure:
Clients often trust ATMs to transfer large amounts more, believing that terminals are used for communication. This is not true: self-service devices have wide functionality, and it will not 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 receiver and then follow the menu prompts. At the end of the transactions, it is worth getting a check and making sure that the amount is debited correctly.
What to watch out for when transferring money
Card account data theft
Usually, the process of transferring money does not cause difficulties: the device menu is clear and simple, and if necessary, you can turn to the help of a consultant. But this service is available in case of sending money through an ATM of Sberbank of Russia in stationary offices. If the transaction is performed in devices located in public places, customers should think about protecting their funds.
Fraudsters come up with various tricks to get card data. And if the appearance of an 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 line of Sberbank and block the account.
You can not call the short numbers indicated on the devices: these are fraudulent schemes. You must not disclose to third parties the secret three-digit digital code or password from Sberbank Online.
If you need to make a transfer to a Sberbank card through a self-service device, we recommend using services at bank branches.
Unauthorized overdraft
In some cases, the client may get into excess of the balance of money on the card (unauthorized overdraft). For this, the bank will remove the penalty interest. To avoid trouble, you need to know some rules of the banking structure.
We will tell you how to transfer money from an ATM to a card of Sberbank or another structure 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 conducts a payment operation, receives receipts for crediting and debiting.
In practice, there are cases when the banking program has not yet credited the amount to the account, but the write-off operation has been completed. The difference in time between these transactions is negligible - just a couple of minutes. But it is in such cases that a technical overdraft occurs. Of course, you can send a complaint, attach receipts for receiving and transferring money, but, as a rule, the bank does not meet the client halfway, referring to its own rules.
Therefore, after depositing cash to your card account, in addition to the check for receiving 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 carry out the 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 this operation entails. We remind you that more profitable ways transfer today - online banking services. But if going to the nearest ATM is your only option, take steps to protect yourself financially.
Nowadays, bank cards have become one of the most convenient and familiar items. With their help, you can pay for purchases in online stores, various services and in ordinary outlets. Using the card, you can easily transfer money to a person who may be far away from you or pay current expenses. And since we love to use this wonderful thing so much, the question of replenishing it arises in the most natural way.
Adding to your own card
Performing such an operation as transferring money to a Sberbank card through an ATM, if this is necessary for the holder himself, will not be difficult. Any nearby ATM with the ability to “deposit funds” will do (not all devices have such a technical option). The sequence of actions is as follows:
- the card is inserted into the reader with a certain side to the terminal, in case of incorrect feeding, it will be returned with a corresponding warning on the screen;
- an individual code is entered;
- using the keyboard or touch screen pressing (depending on the modification of the machine), you must select the “deposit” position;
- the introduction of banknotes is carried out one by one or neatly folded in a bundle into a special receiver;
- the operation is performed by selecting the position "put on the account"
- at the end, you must exit the menu and do not forget to pick up the card and check.
Debit cards are credited instantly, without deducting a commission. Credit card funds are received within three banking days.
Sending to someone else's card
The answer to the question: “How to transfer money through a Sberbank ATM to another client if he has a card” is very simple. You need to know his card number. Almost any terminal is suitable for translation.
The operation is performed in the following sequence:
- own card is inserted into the receiving device;
- using the code, you enter the "personal account menu";
- the position “transfer from card to card” is selected;
- the card number is entered to the current account of which the funds are sent;
- by pressing the "send" button, you must confirm the operation;
- exit, receiving a check and a personal card.
Transfer is possible only from a debit card, a service fee of 1% is charged, the crediting period is from 1 to 3 days. A credit card is not suitable for these purposes, such operations with its help are impossible.
In case of difficulties with such operations as transferring cash, you should contact the nearest branch of Sberbank, where, under the guidance of experienced consultants, you can quickly master the handling of ATMs, which will later help you quickly and accurately make the necessary transfers.
About bank cards
A bank card (plastic) is designed to make non-cash payments through payment terminals using an electronic chip built into it with information about the availability of funds. She is tied to bank account owner, has a code and several degrees of protection. Provides the ability to withdraw (replenish) cash from the account through an ATM. It is used to pay for online purchases and services on the Internet using the number it has and confidential data known only to the owner.
The main types are:
- debit - tied to deposit account, allow the use of funds within it;
- credit - provide an opportunity to use the money provided by the creditor (bank) for established by the conditions contract amount;
- “salary” - refer to debit, issued to employees of an enterprise that has entered into a service agreement with a bank;
- with an overdraft - combine the functions of credit and debit cards.
About ATMs
A programmed electronic device that allows you to perform various operations with your account, including using bank cards (withdrawing or replenishing cash, paying for services, transferring money, etc.). Differ in appearance, depending on belonging to a particular bank, installation location and operating time.
- round the clock - located in shopping malls, transport hubs and public places with high traffic;
- time-limited access - located in institutions and bank offices;
- street or wall-mounted - located at a distance from the bank.
The most reliable, common and easy to use ATMs of Sberbank of Russia are considered. The most frequently asked questions about them:
- how to transfer money from an ATM to a Sberbank card;
- whether it is possible to send money in cash to your bank account;
- is it possible to transfer money to the card of another person,
- are solved with its help easily and without problems, by successive transitions, according to the instructions electronic system, generated at the request of the user (deposit, transfer, pay, etc.). Reliability and speed of dispatch, corresponds to the level of international standards.
