Raiffeisenbank transfer to Sberbank card commission. Transfer from card to card Raiffeisenbank

Many citizens are clients of several banks at once. Therefore, you may need to transfer funds from the card of one financial organization to the card of another. Transferring from Raiffeisen to Sberbank is not difficult. However, the client must remember a number of features of the procedure.

In what situations will it be useful?

The transaction may be useful for transferring from your card received in one organization to your means of payment in another bank. There are other situations where action is necessary. The list includes:

Payment for products. Often, when purchasing a product from a private person or in an online store where there is no internal payment system, it becomes necessary to send money from card to card.
Sending money to loved ones. This is especially true if the recipients are in another city or country.
Payment of rent. The owner of the premises cannot accept payment in cash or not do so in the first place. In this case, you will have to transfer the required amount to his bank account.

You can transfer money remotely from your personal PC

Transfer methods

There are several ways to process a transfer to a card from another bank. A citizen can use any of them at will. Methods for transferring funds from card to card include:

online banking;
mobile banking;
ATM;
terminal.

The transfer can be made if you know the card, account or phone number, as well as bank details. The transfer is made quite quickly. However, it is worth considering that a commission will be charged.

Online banking

The most convenient way is to use online banking. The method is available to all card holders. To make a transfer from a Raiffeisen card to a Sberbank card, you must perform the following steps:

Go to the official website of Raiffeisenbank and go to your personal account by registering or entering existing data.
Find the section called “Transfers from card to card”, where the transfer will be made. For greater customer convenience, this option is placed directly on the main page due to its popularity.
In the form that opens, you must enter the details of the card to which you want to transfer money. Moreover, when proceeding to complete the transaction, you will need to indicate the expiration date of the Raiffeisenbank card and the code on the back of the plastic. This is done for security reasons. When all fields are filled in with the relevant information, a transfer confirmation message will be sent to your phone number.

To access your personal account you need to log in

You can make a transfer from Sberbank to Raiffeisen using online banking using the online service. The process is very similar to what was described above. The following steps must be taken:

Go to the official website of Sberbank-online. In order to log into your personal account, you must enter your username and password, as well as the code that will arrive as an SMS message. If the client is not yet registered in this service, he must first register.
In your personal account, you need to go to the payments and transfers tab, through which funds will be transferred from the card to another plastic card.
In the tab you have to choose where to transfer the amount - to a card or to an account in another bank.
When the choice is made, all that remains is to enter the number of another card or account. If necessary, fill in other fields requested by online banking. A receipt will be provided as confirmation.

The translation will not take much time. Usually the money is transferred within a matter of minutes, but the bank may delay the movement of funds due to technical problems. The bank has 5 working days, which is clearly stated in the regulations.

Mobile banking

How to transfer money from Raiffeisen to Sberbank if it is not possible to use online banking? Mobile banking will help in this situation. This is one of the most convenient and fastest methods, requiring only an application installed on your phone. To do this you will need to download the application. It is available on any platform.

It is worth considering that the phone number must match the one specified when opening a bank account.

Making a transfer using mobile banking from Raiffeisen to Sberbank is very simple. The following steps should be followed:

Go to the Raiffeisenbank mobile application and enter your username and password.
Select the account from which you want to transfer money, and then enter in the appropriate field the number of the card to which the funds will be transferred.
Enter the desired amount.
The system will offer to send the payer a code to his phone, with which he will need to approve the transfer. Otherwise, the operation will not take place. If everything went well, the money will appear in your other account in a matter of minutes.

Mobile applications of Raiffeisenbank and Sberbank allow you to make transfers from card to card

If a person wants to make a transfer from card to card of Raiffeisen Bank using Sberbank Online mobile banking, then the scheme is practically no different from the one that exists for online banking. The following actions must be taken:

Install the Sberbank application for mobile phones. The number must be the same as when filling out the account opening form.
Next, the client will be provided with a personal 5-digit code, which will need to be entered when logging into their personal account.
In the section with payments and transfers, you should select where the client wants to transfer money and enter the plastic card or account number in Raiffeisenbank.
You will need to provide a one-time code as confirmation. At the end of the transaction, the payer will receive a receipt confirming the completed transaction.

How long the translation takes depends on technical circumstances, but usually it does not take more than a couple of minutes. In case of technical hiccups, the bank undertakes to provide funds within 5 working days.

ATM

If it is not possible to use online or mobile banking, then if the citizen has plastic, you can use an ATM or terminal. This method is suitable for those who, for example, need to make a translation urgently, but do not have access to the Internet. To transfer the required amount through an ATM, you need to follow the following instructions:

Find an ATM or terminal of Raiffeisenbank or Sberbank, depending on which card the person wants to make a transfer from and to.
Insert the plastic you have with you into the ATM and enter the PIN code.
From the proposed operations, find the one that transfers funds.
In the menu that opens, select transfer to plastic from another bank.
The screen will indicate the rules of the operation and the corresponding tariffs, as well as limits for transferring funds.
Enter the card number to which you want to transfer funds.
Enter the amount of funds to be transferred.

After the final verification, you need to click on the “continue” button, after which a check will be issued confirming the transaction completed and the bank card will be returned.

Transferring money from card to card can be done through an ATM or terminal

Commission

When transferring funds from a card of one bank to another, a commission will be charged; transactions within one financial institution are usually free. Depending on what kind of transaction was performed, commissions may be as follows:

If money was transferred from Raiffeisenbank to Sberbank, then the commission when using any method will be 1.5%. The minimum commission is 50 rubles. The bank also set limits for transfers. The maximum you can transfer is 150,000 rubles at a time and 1.5 million per month.
If a transfer was made from Sbercard to Raiffeisenbank plastic, then the commission when using any of the transfer methods will be equal to 1.5% of the amount, but not less than 30 rubles. There is also a limit on the funds transferred. For instant issuance cards it will be 50,000 rubles per day, for others - 150,000.
If the transaction occurred between the accounts or cards of both banks, then the commission will be 1% when using Sberbank-online services. The maximum commission will be 1000 rubles.

It is quite simple to carry out a transaction to transfer funds from Raiffeisenbank to Sberbank or, vice versa. A citizen will only need another plastic or account number, as well as access to one of the transfer methods. Payment will arrive in a short amount of time, not exceeding 5 business days.

Transfers are made through the Mastercard service according to the tariffs for transfers from card to card

Transfer from Raiffeisenbank cards:

from a Raiffeisenbank debit card to any Raiffeisenbank card – 0%;
from Raiffeisenbank debit card to cards of other banks – 1.5%, min. 50₽ or 1.5$/€;
from a Raiffeisenbank credit card to any cards - 3% + 300₽.

Transfer from a card of another bank*:

to Raiffeisenbank cards – 0%;
to cards of other banks – 1.5%, min. 50₽ or 1.5$/€.

An additional fee may be charged by the issuing bank of the debit card.

Limits on transfers and deposits from card to card:

For Raiffeisenbank cards:

10 rubles - 100,000 rubles at a time;
150,000 rubles / 10 operations per day;
500,000 rubles / 30 operations per month.

For cards from other banks:

10 rubles - 50,000 rubles at a time;
100,000 rubles / 5 operations per day;
500,000 rubles / 20 operations per month.

How long does the transfer take?

Transfers are credited to Raiffeisenbank cards instantly. The timing of transfers to other cards depends on the bank that issued the recipient's card.

For example, when transferring to a card of another bank, funds from a Raiffeisenbank account will be debited online, but they may be credited to a card of another bank within 1-3 business days. This is due to the peculiarities of the work of third-party banks, which we cannot influence.

What cards can I transfer to?

You can transfer and top up debit and credit cards of Russian banks using the VISA and Mastercard/Maestro payment systems.

If the recipient does not confirm the transfer within 5 calendar days, the transfer will be canceled and the funds will be returned back to the sender's card.

I made a transfer using a phone number, but the recipient did not receive an SMS with a link?

The recipient can independently go to the Mastercard website using the link https://transfers.mastercard.ru/. Enter the one-time password, your card number and accept the transfer.

Please be careful when confirming payment. Transfers are instant and cannot be cancelled.

Security of transfers

Transfers from the card take place using 3-D Secure technology - a protocol specially developed by payment systems, based on cardholder authentication technology when conducting payment transactions via the Internet and aimed at increasing the security of such payments by entering a secret password.

How long does the transfer take?

Funds are credited to Raiffeisenbank cards instantly.
Credits to cards of other banks can occur instantly or take 1–3 business days. This is due to the peculiarities of the work of third-party banks, which we cannot influence.

What cards can I transfer to?

Transfers from card to card can be made using debit and credit cards of Russian banks, payment systems VISA, Mastercard/Maestro and MIR.
Transfers by phone number are available for VISA and Mastercard/Maestro cards.

How does a transfer by phone number take place?

The recipient receives an SMS with a link to the Mastercard payment system portal. On the portal, he must send himself a code via SMS (the code will be sent to the number to which the transfer was sent), enter his card number and accept the transfer.
If the recipient does not accept the transfer within 5 calendar days, the transfer will be canceled and the funds will be returned to the sender’s card.

I made a transfer using a phone number, but the recipient did not receive an SMS with a link.

The recipient can independently go to the MasterCard portal https://transfers.mastercard.ru/ and accept the transfer. (see “How does a transfer by phone number work?”)

I made the transfer incorrectly. Is it possible to cancel it?

Transfers are instant and cannot be cancelled. Please, before confirming a payment, always check the transaction parameters - type, amount, recipient.

Security of transfers

Transfers from the card are carried out using 3-D Secure technology with confirmation of the operation by a one-time password via SMS. Please take special care to ensure that the phone is used only by you and that third parties do not have access to it. The one-time password is valid only for confirmation of payment.

Depending on the method of carrying out a transaction on a card from another bank, it will be different. A transaction carried out independently will cost less than one carried out through a cash register.

Do-it-yourself transaction

Sberbank actively stimulates the financial independence of clients. They have at their disposal a wide network of self-service devices (ATMs and terminals), the Sberbank Online Internet service, including a mobile version, and the Mobile Bank service for mobile phones.

When independently transferring money from a card issued by Sberbank (both debit and credit) to a ruble card of another bank in favor of a legal entity, the commission will be 1% of the amount, but not more than 500 rubles. Tax payments and payments to charity will be processed without commission.

Bank cards for legal entities are issued, as a rule, to already opened current accounts, drawing up appropriate agreements. Therefore, the funds are sent directly to the bank account.

The commission when transferring money from a Sber debit card to a card of another bank in the name of an individual using a current account number is equal to:

1%, but not more than 1,000 rubles, if the transaction is made in national currency;
0.7% (minimum US$15, but not more than US$150) if the transaction is made in a foreign currency.

Sber will not make transfers using the card number. Writing off funds from credit cards to debit cards of individuals is prohibited. Transfers from Sberbank to Raiffeisen, Otkritie, MKB and other banks without commission when registering a payment through a cashier, or when registering independently, are only possible in national currency; in foreign currency, the service is not provided.

When transferring money from a Sberbank card to a card from Raiffeisen and other banks in favor of individuals, no commission is charged either when paying through a cash register or through remote payment systems, if these are transactions aimed at paying obligations under the terms of target agreements, as well as for charity.

Transfers involving a cashier

The commission for a transfer from a Sberbank card to a card of another bank in favor of a legal entity through the cash desk of a structural unit will be:

2-3% in favor of legal entities, including non-tax payments to the budget and extra-budgetary funds;
1-3% when paying for housing and communal services, as well as under agreements for the provision of information technology services, including mobile communications and the Internet.

The maximum commission for transferring money from a Sberbank card to a card of another bank in this case is 2,000 rubles.

If the transaction is carried out at the cash desk, the client is required to present his passport to the cashier.

Sberbank does not withhold commission for transfers to a card of another bank when transferring:

taxes and fees;
for charity;
on collection orders in the presence of writs of execution;
credit funds, as well as own funds according to the terms of targeted loans.

The amount of the commission for a transfer from a Sberbank card to a card of another bank by account number in favor of an individual corresponds to:

2% of the transaction amount, but not less than 50 rubles, although not more than 1,500 rubles if the transaction is carried out in rubles;
1% of the amount (minimum 15 US dollars, maximum 150 US dollars) if the transaction is foreign currency.

Persons holding cards issued by one bank are provided with preferential conditions for making money transfers. For example, you can transfer money from one Raiffeisen card to another in a short period of time, and the operation is not subject to commission. You can make a transaction via the Internet, an ATM, telephone, or by contacting a branch of a banking organization.

click on the “Debit cards” section;

select the item “Transfer by number”;

indicate from which account the debit should occur;

enter the recipient's plastic number;

enter the transfer amount;

check the correctness of the input;

Confirm the operation using the password received via SMS.

To check the status of the operation, you can use the section called “Order Log”. Once the transaction is completed, you will have the option to print a receipt and also save the template. This is necessary for those who make such transfers frequently.

Transfers via SMS via telephone are possible; for this you need to activate the appropriate service. It's called "SMS Bank". You can do this on the official Raiffeisen website, you will need:

click on the “Online service” section;

enter the card number;

indicate its validity period;

enter your mobile phone number;

press the “Connect” button.

To carry out the operation, you do not need to have access to the Internet, since the transfer is carried out by sending a message to number 7722. In the text you must indicate: from “card number from where you want to write off money” to “recipient’s plastic number” “amount”. Commands are written separated by a space.

Important! In this case, there is a restriction on the minimum and maximum sending amounts. In the first case it is 30 rubles, in the second – 15 thousand rubles.

The transfer is not subject to a commission, but it is worth keeping in mind that finances may be debited from the phone in accordance with the tariffs established by the operator. A mobile application can also be used; its operating principle is similar to the instructions described above.

If you visit a bank branch in person, you can use an ATM to make a transfer. The advantages of this method are that you will not have to wait in line, as happens when you need to see a specialist. The operation looks like this:

insert the plastic into the device;

enter your PIN code;

select the “Money transfers” section;

click on the line “Transfer to Raiffeisenbank card”;

study the terms of the transfer and agree to them by pressing the appropriate button;

enter the card number;

indicate the amount of payment;

click on the “Translate” button;

you receive a receipt;

take the card.

The check must be kept until the recipient says that the money has been received. Using the method under consideration, you can also make a transfer to a client of another bank, withdraw cash, find out the balance of funds in your account, connect various options, pay for services, etc.

To make a transfer at a bank branch, you need to visit the office and get in line. Initially, keep in mind that the option under consideration will take up your time. Payment can be made using cash and non-cash payments. The process will look like this:

contact the operator;

inform that you need to make a translation;

indicate the recipient's card number;

report the transaction amount;

hand over cash or card;

check that the form is filled out correctly;

confirm the payment by signing or entering a PIN code.

After completing the transaction, the employee will give you a receipt, which you need to keep.

What difficulties may arise

Difficulties in this case are related to the timing of crediting funds. As stated, only when using the Internet the money immediately reaches the recipient. When using an ATM or visiting a bank in person, you need to keep in mind that the transfer can take several days.

Transferring funds through various banking instruments is a convenient option that makes life easier. However, in order to use it correctly, you need to know how to transfer money from a Raiffeisen card and to a Raiffeisen card, as well as study in detail the options for replenishing other banking products within the system and outside it.

Is it possible to transfer money from a Raiffeisen card to a Raiffeisen card?

The bank provides several options for transferring funds; in addition, it provides the opportunity to:

control the process;
save information about him;
make deposits without commissions;
use different currencies with automatic conversion to transfer funds;
It is possible to deposit funds into a bank client’s account in a variety of ways, including using only a phone number or email address.

In addition, a payment can be returned if it was made incorrectly or if there are inaccuracies in the address and other details. To solve the problem, you need to contact, most often in person, the branch of the bank to whose account the finance was transferred.

General information on translations

The transfer service from Raiffeisenbank provides clients with the following opportunities:

make transfers to clients of other credit institutions;
transfer money in one of the optimal ways - through an online system, a bank terminal or a mobile application;
transfer funds to or from a card with the participation of other issuers;
save the entire history of completed transactions in your personal account;
use debit options for interest-free transfers.

Important! At the same time, you need to remember that online financial transfers must involve products from Russian financial institutions, otherwise there is a need to visit the office.

Popular methods and instructions for them

So, there are 3 main methods used to transfer finances.

Via ATM

This option is ideal for cases when it is not possible to use an online resource. To send money from a Sberbank card to a Raiffeisenbank card, you must proceed as follows:

insert the plastic card into the ATM and enter the PIN code;
On the page that opens, mark the required box;
then highlight the column for crediting money to the product of another institution;
you need to carefully study all the conditions before continuing;
in the proposed window you need to enter the plastic number for the recipient;
indicate the amount within the limit;
check the data and click the “Continue” button;
pick up the plastic and check.

In addition, sometimes you need to enter an SMS code sent to your phone to confirm the operation.

This algorithm for crediting money to the accounts of clients of other banks is almost the same in all cases, the only difference is that when crediting money to a Sberbank account, the check arrives electronically in your personal account.

Mobile app

To use this method, you must first install the application on your mobile phone.

The phone number used to install the application and linked to the banking agreement must match.

To transfer money via phone:

select the required account in the appropriate section;
enter the third party card number;
enter the transfer amount;
use a one-time password to confirm the payment;
execute the process.

When using mobile payment, funds are credited to your account almost instantly.

Internet transfer

This method is quite simple, since the Internet banking interface is made as simple and accessible as possible.

To do this you should:

The payment will be made within the deadlines specified by the bank.

Restrictions and limits

When making online payments, the following limits apply:

up to 10 transmissions per day or 20 for 4 days in a row;
up to 75,000 rubles per day or 200,000 rubles for 4 days in a row;
up to 600,000 rubles per month.

If another bank is involved in the transaction, the restrictions are as follows:

one operation is equal to 150,000 rubles or for 4 days 300,000 rubles;
for a week or month – 500,000 rubles.

If the recipient is a home institution, then they do not charge a commission.

In the case of transferring money from a bank card to products of other banks using a debit or salary card, a commission is charged in the amount of 1.5% or at least 50 rubles, and when using a credit card, the commission is fixed - 300 rubles, increased by 3%.

Each card has an individual cash withdrawal limit; online payments are subject to this limitation; each transaction reduces the amount available for withdrawal through an ATM.

The period for crediting the payment is as follows:

when transferring money within the system, the delay may be 5 minutes or 2 days when using the MasterCard payment system;
a transfer before 20:00 of the current day is credited on the same day, but after receipt it may be delayed until the next day;
When using a Maestro card, you must enter your current account number and bank details, and the enrollment period can be up to 5 days.

How to transfer money from a Raiffeisen card to a card of another bank

For this option, you can use one of the above options; in order to transfer funds from a Raiffeisen card to a card of another issuing bank, you need to know:

plastic number;
validity;
bank details;
owner details.

Open a window for entering details:

indicate all the required data - card/account number, validity period, bank details, information about the owner;
check the correctness of the entered data;
enter an SMS code in the appropriate window to confirm the operation;
click “Pay”;
when using an ATM, you need to receive a check, and when making an online payment, save the transaction template, and a check may also be sent to your email address.

In this case, the money is credited exactly as much as is required for the issuing bank to process the payment.

Possible problems and their solutions

Transfers from a debit card to products from other financial institutions are always subject to a commission, so when using them, you must study the terms of the transfer.

Sometimes the payment does not reach the recipient even after 5 days, to solve this problem, you must immediately contact the receiving party with the transaction receipt.

If, when forming a transaction, the client made a mistake with the data and realized his mistake after the entire process, he should contact the bank with a statement as soon as possible, the result will be known the next day after the application.

If it is necessary to transfer more than the established limit, you must contact the bank with an application and individually obtain permission to increase the limit.

Conclusion

Thus, transferring funds in this bank using any method is quite simple, you just need to follow the instructions and comply with all restrictions.