How to recharge a card without a card: the most profitable options for transferring money

Credit and debit cards are a universal way to make payments. With the help of cards you can purchase services and goods, make payments in favor of others, cash out money, use your money abroad. The most popular among the population are plastic products of Sberbank. Using their example, you can consider the most popular ways to recharge a card if the card itself is not available. However, such methods of transferring finances to card accounts are also relevant for products of other banking organizations - Alfa-Bank, VTB, Home Credit, Tinkoff and others.

Cash transfer

So, how to recharge a card without a card? One way to replenish a card account is to deposit cash. You can carry out such an operation by replenishing not only your cards, but also the cards of third parties. Such operations can be performed directly at the bank that issued the card, as well as at any other third-party service or organization that provides the ability to make online payments using electronic systems.

How to recharge a Sberbank card without a card?

Through a specialist banking institution

You can credit cash to a plastic account by contacting a department of a financial organization. You must have a passport with you. To carry out the operation, you will need to inform the bank employee of the card number to which the transfer will be made, as well as the amount and name of the person to whom the card belongs. Actions in this case will be as follows.

1. Visit the bank’s office and pick up a ticket with a number in the terminal of the electronic queue by choosing “Money transfer” in the menu.
2. Wait for an invitation to a specialist through the autoinformer and fill in the payment details.
3. Give the specialist money.

This card replenishment method is relevant for people who do not have a valid account with a financial institution. Considering the type of transfer, a transaction fee of 1.75% will have to be paid for the operation. The minimum amount of commission in Sberbank is 50 rubles, the maximum - will not exceed 2 thousand rubles. Urgent transfers can be made with the same commission, but its minimum amount will be in this case 150 rubles, and the maximum - 3 thousand rubles.

It is worth noting that each bank has its own tariffs for transfers.

Third Party Banks

How to recharge a card without a card, it is important to find out in advance. You can transfer money by contacting any commercial financial institution. The procedure will be similar to that carried out at the bank that issued the card. You do not need to open an account for this; a bank employee will conduct a transaction on a payment order. You will need to provide your passport details, plastic product number, name and surname.

In some cases, the procedure for crediting funds only by card number may not be possible. Then this will require a card account number. In addition to him, the employee will need to provide the full details of the bank that issued the card.

Money will be received after such a transfer to the account within 3 days. The commission is appointed by the bank that sends the money, and therefore its size must first be checked with the employee. The recipient will not pay anything from the card - money will be credited to his account minus a commission fee.

Transfer through the post office of Russia

Still how to recharge a card without a card? The authority to make money transfers also exists with the central postal operator. The obvious minus of this method of replenishing a card is the duration of replenishment. Money transferred through Russian Post will be credited to your account within 7 days. In addition, for the transfer you will have to pay 1.5% commission on the amount of payment. Moreover, the minimum size of the additional payment is 40 rubles.

To complete the transfer, you will need to present the details of the plastic and passport. You will also need to fill out a standard form. A postal worker will take cash and issue a receipt confirming payment. You can make a transfer absolutely at any post office, not only at the place of registration.

Wire transfer

How to replenish a Sberbank card without a card by wire transfer?

Thanks to the development of modern technology, the classic use of paper money is becoming less and less common. Mutual settlements are increasingly made using bank cards or electronic money.

This method provides additional protection against theft or loss of cash. All funds stored on any electronic medium are protected by additional PIN codes and passwords. Ideally, access to them is available only to the holder of the card or electronic wallet.

Top-up using Webmoney service

We will also talk about how to recharge a Sberbank card by card number using WebMoney.

It is a system of electronic money that can be converted into dollars and rubles. When transferring from WebMoney to a Sberbank card, money will arrive instantly. But the system will take a commission, the size of which depends on the type of transfer.

To transfer money from WebMoney to a card of Sberbank or another financial institution, you need to perform some actions.

1. Log in to the electronic wallet, select its type. WMR - ruble account, WMZ - dollar.
2. Below the name of the wallet is a button for transferring funds.
3. There are two types of transfers: to a bank account, to a card account.
4. If the transfer of money is carried out on a card, then the operation may take up to 3 days, but, as a rule, the funds arrive immediately. The cost of such a transfer is 2.5% + 40 rubles (fixed rate). It will be enough to indicate the plastic number and the amount to be transferred. The system will calculate the total amount, taking into account the fee.
5. Next, confirm the operation using the code from SMS or the E-NUM application, which can be installed on a mobile device.

You can also transfer funds through the exchange. This menu item is located in the same section. The term for crediting money is no more than 2 days, and the commission is 2%.

Transfer through Yandex.Money

How to replenish an Alfa-Bank card without a card is interesting to many.

You can use a similar electronic wallet for transfer. For this, it is also necessary to carry out a number of procedures.

1. Log in to the system.
2. Go to the translation section.
3. Indicate your own wallet in the appropriate form.
4. In the transfer destination section - "To the bank card".

Sberbank cards receive money from Yandex.Money, as a rule, instantly. But there is a chance of a delay of up to 3 days. With the plastic of other banks, the situation is similar. To make a payment, you need to know the card number to which the money will be transferred. Commission deduction will be 3% + 45 rubles (fixed rate).

Qiwi payment system

Another popular payment system is the QIWI service. Money through it can be sent to the card as follows:

• go to the translation section from the main menu;
• Select a bank card as the destination.

The interfaces of all electronic wallets are similar to each other, which means that the amount and number of the plastic itself should be indicated next. The transfer can be made not only from the wallet, but also made using the terminal. Such an operation will cost 2% + 50 rubles (fixed rate).

How to transfer money to a card through Sberbank Online?

This service allows you to make payments of various kinds. With it, you can transfer money to a card account by plastic number, and if the addressee card is issued by Sberbank, then by the owner’s phone number.

But to use this system you need to have a deposit account, credit card or debit card in Sberbank. How to recharge a card without a card?

To transfer money, you should:

• log in to the service;
• go to the section of transfers and payments;
• choose the necessary type of operation: “To the client of another bank” or “To the client of Sberbank”;
• enter the details and amount of the transfer, confirm the operation.

Everyone should know what to do to replenish the card using it, that is, transfer money to the card via the Internet. It is free if the addressee's product is issued in the same region. Otherwise, the commission will be 1%. For transferring to the client’s address of another bank you will need to pay 1.5% + 30 rubles (fixed rate). Funds usually arrive instantly, sometimes with a delay of 5-10 minutes.

SMS banking

Sberbank allows you to transfer money using SMS commands. In this case, funds can only be transferred between your accounts. To do this, send to the SMS number 900 with the command "Transfer", and then, through the spaces, indicate the card number and the amount to be transferred.