Currently, it is possible to draw up and pay for a loan agreement, not only during a visit to the bank, but also through the global network. Before you pay for a Russian Standard loan, study the possible methods and choose the one that provides a lower commission percentage or charges none at all. Payment without commission occurs through services developed by the banking organization in question.
There are six ways to pay for a loan agreement. In this case, it is possible to deposit funds into your account via the Internet online. In this case, you can make payment transactions without leaving your home or workplace. Money can be debited from a card or electronic wallet. Payment options include:
- Internet banking system developed by Russian Standard;
- Postal office;
- electronic payment systems;
- terminals, ATMs;
- Internet banking of third-party banks;
- cash register.
Before paying a loan, consider what conditions have been set by the organization through which the payment is made. Attention should be paid to the commission and the period during which the money will be credited to the account.
Using the contract number, you can pay online through an electronic wallet created in the Yandex system. To do this you will need:
- log in to the Yandex website;
- log in to your account;
- click on the “Services and Products” section;
- select the line “Credits”;
- find Russian Standard;
- enter the contract number;
- indicate the payment amount;
- press the “Pay” button.
A commission fee is charged at 3 percent, and, regardless of the amount, 45 rubles are added. Money is credited immediately.
You can pay without commission only through Internet banking, as well as self-service devices of the credit institution in question. In order to pay via the Internet, you will need to register in the bank's system; this can be done in the office. Payment is made in this case from an account opened in Russian Standard. Please note that you can only deposit money from a debit account.
Important! It is possible to activate the “Autopayment” service. A consumer or other loan will be paid automatically; you must only monitor the sufficient balance of the card from which the debit will occur.
If you are a client of Sberbank or another bank, you can also use Internet banking. It is worth keeping in mind that a commission is charged. You can find out its size on the official website, or by contacting an employee of the organization. Depositing funds occurs in a similar way:
- log into your personal account;
- select the section “Payment of loans from a third-party bank”;
- fill out the payment form;
- indicate the amount of payment;
- check the correctness of filling;
- press the “Pay” button;
- confirm, if necessary, the transaction using the code received on the phone.
Speaking about where else you can pay for a loan agreement, it is worth noting that this opportunity is presented by the Qiwi system. You can use the official website or terminal. You can find a self-service device in public places. To use the site, uninterrupted access to the global network is required. The operation looks like this:
The commission is 1.6 percent of the amount. The minimum payment is 100 rubles. You can pay a maximum of 15 thousand rubles using this method.
You can make a payment at the bank office at any time when the branch is open. You need to have a document with you to verify your identity, and also know the contract number. You can pay using cash or non-cash means. No commission will be charged and the money will be credited to your account within a few minutes. Sending through the post office takes place using the specified documents. Funds are received within three days, the commission fee is 1.5 percent.
Russian Standard is a bank that specializes in lending to individuals. The company has been operating on the market since 1993 and is one of the leading organizations in this direction. The bank offers both credit cards and consumer loans. But regardless of the type of agreement, the borrower must pay funds on a monthly basis. In this article we will look at how a loan is repaid in Russian Standard.
Payment through Russian Standard
Repayment of current contributions is possible in various ways. “Russian Standard” follows the instructions of the Bank of Russia and provides payment options through ATMs and using the additional product “Bank in Pocket” without commission.
It is also possible to deposit money on a loan through third-party organizations, including the Zolotaya Korona system, Qiwi, as well as by opening an account or without it in other banks, through electronic wallets and other methods.
Debiting from the “Bank in your pocket” card
Transfer from a “Bank in your pocket” card is a commission-free payment option. The card itself is a debit product that can be topped up with your own money through your personal account or ATMs.
Options for how to pay for a loan in this way depend on what type of agreement was drawn up:
- Cash loan. Funds are automatically transferred to repay the debt on the date of write-off.
- Credit for goods. To set up an automatic transfer from a card, you need to contact a specialist in the office and fill out the appropriate application. After this, it is enough to simply top up your card account before the payment date.
Money is transferred instantly, but a debit card can cost 100 rubles per month, depending on the tariff plan. As a rule, free service is provided for the first two months.
Using ATMs
Another way to deposit cash without commission is to pay through a Russian Standard ATM. There are quite a lot of such technical devices in different cities of Russia. To carry out the operation you will need a contract. A QR code may be located on paper, which facilitates the procedure. The procedure is as follows:
- At the ATM, select the “Payment of loans” item.
- Determine the method: by contract number or using a barcode. In the first case, the number itself is entered, respectively. In the second, you need to attach a QR code to the scanning device, the system itself will fill in the payment information.
- Next, you need to verify all the information and deposit cash.
Not only the client, but also other persons can pay, the main thing is that the person knows the data under the contract. Money arrives on the same day. You can check the payment status through the application or your personal account.
Through the cash register
Not every branch offers cash services, but where such functions are available, you can deposit money without a fee. Funds are credited the next day. The procedure is quite standard; you will need a passport and information on the contract.
A third party can perform the operation; cash is accepted to replenish the loan account.
Opportunities of Sberbank Online
The Sberbank Online system is one of the most popular banking programs. Many people pay for loans from third-party organizations through Sberbank, despite the possible accrual of commissions, because the personal account of this bank is easy to use. Information you will need for payment:
- General details of Russian Standard, including BIC and correspondent account.
- Credit account number.
- Account in Sberbank for access to the online service.
Such an account can be attached to a debit card, so the operation is actually performed using a Sbercard. Enrollment is carried out within three working days. Depending on the tariff, a commission may be charged, which ranges from 1–1.5%.
The procedure is simple:
Active users of Sberbank Online can create a template or set up an automatic payment so that they do not have to enter details each time or carry out the transaction themselves.
By postal transfer
Due to the fact that post offices are spread throughout the country, and many are accustomed to paying utility bills there, this method remains relevant in the case of repaying loans. The disadvantages of this method are obvious - you will need to stand in line, and you will also have to fill out the transfer form yourself. To pay you will need a passport, bank and account details and cash. Procedure:
- Obtain a form from a post office specialist.
- Fill in the necessary information about where and from whom the transfer is being made.
- Transfer money to the operator.
Funds arrive in your account within 5–7 business days. The transfer fee is 1.5%, but not less than 40 rubles, and is calculated from the amount payable. Thus, the borrower must independently make a preliminary calculation.
Bank transaction
Here the scheme will be similar to the postal transfer. Fill out the form for sending, you will need to have a passport and details of “Russian Standard”, as well as your credit account. Payment can be made either by the borrower himself or by a third party. At the same time, there are options for transferring money with or without opening an account. To repay the loan, you can contact any financial company. Some banking organizations cannot make deposits to Russian Standard for technical reasons; it is better to check in advance about the possibility of carrying out such an operation in a particular region.
Review of existing loan payment methods
Due to the fact that Russian Standard is one of the leaders in the field of retail lending to the population, the number of bank clients is several million people. Therefore, it is natural that the bank’s management pays great attention to the development and improvement of Russian Standard loan payment services. After all, the bank is interested in returning funds and increasing the number of clients, which is quite problematic if borrowers have difficulty depositing funds to pay the loan.
You can pay for a Russian Standard loan in the following ways:
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- Bank in Karman– holders of “Bank in Pocket” cards get access to automatic regular debiting of funds from the card account. If there are sufficient funds on the card account, then the loan payment occurs without the participation of the card owner. When receiving a cash loan, the automatic payment service is included in the service package by default; clients who have taken out a Russian Standard consumer loan will have to contact a bank branch and activate the “Debit from the Bank in Pocket card” service. Naturally, the transfer of funds occurs at the same moment and without commissions.
- Russian Standard ATM– perhaps this is one of the simplest and most convenient payment methods, since in most Russian cities over 5 thousand modern devices are installed that have the ability to accept cash. That is, you can pay for a Russian Standard loan even without a card in hand - you just need to know the loan agreement number and have cash on hand.
- Internet Bank Russian Standard– every client of Russian Standard Bank can use free Internet banking services. Through the system interface, you can pay the loan at any time in the “Transfer money” section. It is important to consider that money transferred after 19 pm Moscow time will be credited to the account on the next banking day.
- Bank cash desk– you can deposit funds to pay for the loan without commission at any branch of Russian Standard. It should be taken into account that payment may not take place immediately, but within 24 hours.
- From an MTS or Beeline mobile phone account– subscribers of the MTS and Beeline cellular networks can transfer funds to pay for Russian Standard credits directly from the balance of their mobile phone. To do this, you must have a sufficient amount on your phone account to pay. The transfer is carried out via the Internet from the page of the Eleksnet payment service (you will find links to go to the payment pages at the end of the article). The transfer is received by the bank instantly, the commission amount is 2.5% for MTS subscribers, and 2.99% for Beeline subscribers of the transferred amount.
- From a Megafon mobile phone account– Megafon subscribers can also pay for a Russian Standard loan from a mobile phone account; to do this, they need to send an SMS with the letters RS to the short number 8408 (this means that the transfer is made in favor of Russian Standard Bank), the loan agreement number and the amount for the transfer. An example of such a message is “RS12345678 1120.45”. Transfers sent before 20:00 Moscow time are credited on the same day, if the transfer is made later, then on the next day. A 3.5% commission is charged.
- Wire transfer to another bank– without any problems, you can transfer money to pay for a loan from Russian Standard Bank in any commercial bank by transfer without opening an account. The transfer fee depends on the tariff rates of the selected bank, and the period for crediting funds can reach 3 banking days.
- Post office– if there are no Russian Standard branches or ATMs in your locality, and other payment methods are inconvenient for you, then you can always use the services of the Russian Post and make a postal transfer. However, it can take up to 10 days for funds to arrive in your account, so with this payment method you need to contact the post office in advance. For postal transfer services, a commission of 1.5% of the transferred amount is charged, minimum 40 rubles.
- Terminals QIWI, CyberPlat, Pay on the way (Rapid system), CONTACT terminals– a fairly convenient payment method that involves depositing cash using the loan agreement number. As a rule, terminals of these payment systems can be easily found in any district of almost every city in Russia. Please note that if funds are deposited after 19:00 Moscow time, they will be credited to your account the next day. The commission amount for this payment method is small - 1% for CONTACT terminals and 1.5% for terminals of other payment systems.
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You can pay for a Russian Standard loan not only through CONTACT terminals, but also at the points for receiving and sending transfers of this payment system. Contact the branch employee and tell him your intention to make a payment in favor of Russian Standard. You will need your passport and loan agreement information. Currently, many banks are working with the CONTACT system, a full list of which you can find at https://www.contact-sys.com/where. A transfer fee is charged in the amount of 1% of the payment amount, but not less than 50 rubles. |
Thus, if you are a client of Russian Standard Bank, paying off the loan will not be difficult for you. You just need to decide which of the methods offered by the bank is most convenient for you. When paying for a loan, keep in mind that not all payment systems provide instant transfer of funds. We recommend making the transfer in advance, at least 3 days before the date of the next monthly payment.
Description of payment methods for Russian Standard loans: http://www.rsb.ru/credits/payment/
Addresses of Russian Standard branches:
Pay a Russian Standard loan from an MTS phone account: http://elecsnet.ru/1/rsb/mts
Pay a Russian Standard loan from a Beeline phone account:
Russian Standard Bank occupies a leading position in the field of consumer lending in the country. Opinions about this financial institution vary, and many negative reviews are caused by high penalties for late payments.
In order not to be a hostage to an unpleasant situation, it is better to pay the obligatory amounts specified in the debt repayment schedule in advance. One of the most effective and practical ways to do this is Internet banking in general, and Sberbank Online in particular.
Why is it convenient and profitable to pay loans through Sberbank Online? Because Sberbank is the absolute leader in the number of payroll clients in the country, therefore, almost every second person has a plastic card or uses banking products.
It is not surprising that having such an extensive network of branches and an extensive customer base, Sberbank is actively working on the quality of service delivery, introducing a self-service system. One of these resources is Sberbank Online, which allows you to remotely manage attached accounts, pay for internal loans and loans from other banks. To use this payment system you only need 4 conditions:
- Sberbank card.
- Internet access.
- Registration in the system.
- Connected service "Mobile Bank".
The last point is mandatory. This is an SMS notification service, without which it is impossible to confirm the fact of payment: a security code is sent to the client’s number from subscriber 900. In addition, Mobile Bank allows you to control your expenses around the clock at any time.
So, having a Sberbank card in hand and a loan agreement concluded with Russian Standard, you can easily pay off your debt through Internet banking. To do this, you will need to register in the Sberbank-Online system. The procedure is simple and usually takes no more than 10 minutes.
Follow the link https://online.sberbank.ru, select the “REGISTRATION” field. The system redirects the user to the section where you need to enter your bank and SIM card numbers. A security code is sent to the specified contact and entered in the designated field. After this, the client will be sent the user ID and password required for login. The second option for obtaining the necessary information is to print a receipt with one-time passwords through an ATM.
In both cases, after the first login, it is recommended to change the login and password to something more convenient for yourself, so as not to remember the 10-digit numerical combination. This can be done in the settings section, which is located in the upper right corner of the start page: a gear icon.
Payment instructions
After logging into Sberbank Online, the process of making a monthly payment on a Russian Standard loan is as follows:
- On the main page, select the “PAYMENTS AND TRANSFERS” column, which is located on the top control panel.
- In the proposed menu, select “REPAY A LOAN OF ANOTHER BANK.”
- A list of banking organizations appears where you need to find “Russian Standard”.
- After the completed manipulations, the client is taken to the section for filling out a payment receipt. BIC and bank name, full name of the borrower are displayed automatically. All that remains is to indicate the transfer amount, the card for debiting the funds and the credit agreement number.
- After this, the “CONTINUE” option is selected and a secret security code is sent to the user’s number to complete the operation.
The received code must be entered into the appropriate field and the funds will be transferred to the lender’s account.
Important! Sberbank processes requests for interbank transfers within 5 days and charges a commission of 1% for the service.
Additional features
Sberbank also offers other options for repaying loans issued at another bank. These include:
- The mobile utility is a free program that is installed on a smartphone and is a complete analogue of Sberbank Online.
- Bank branches - the loan is paid through the cash settlement department, only cash is accepted: loan amount + commission.
- Self-service terminals - here you can pay for Russian Standard loans in cash and by card.
In all cases, the loan agreement number is required to complete the transaction. The commission for payments at cash desks and ATMs will be higher, but the funds will be credited to the account within 1-2 days.
In addition, Russian Standard loans are repaid through any electronic wallets, and we have our own Internet banking system. To use the latter method, you need not only to be a borrower, but also to have a “Bank in your Pocket” card in your hands. Russian Standard does not charge a commission for payments through its own resources.
Regardless of the payment method: Sberbank-Online or Russian Standard Internet banking, after the first transaction, users can save the receipt template and configure the Autopayment parameters. In this case, the funds will be automatically debited from the card in favor of the lender; the borrower only needs to confirm the fact of payment.
