How to recharge a credit card of Sberbank: methods and rules, step-by-step instructions for replenishment

Clients of the country's largest bank are actively using credit products with a grace period. Sberbank credit card is a profitable way to buy goods without waiting for wages. In order not to pay a commission, the user should be aware of how to replenish a credit card of Sberbank.

Features of Sberbank plastic products with a grace period

Credit card users should know everything about the product: how to use it without interest, which stores accept payment, which threatens for late payments and the annual rate.

Sberbank credit card has a high conversion: the product is accepted for payment at 99% of acquiring points. The grace period is from 20 to 50 days. The interest rate depends on the year of issue and varies from 19.9% ​​to 27.9%.

The product’s capabilities as a means of payment allow you to top up your phone with a Sberbank credit card, pay off housing and utilities debt or credit. Within the grace period, the commission for using credit funds is 0%.

What is a grace period?

Grace period is a time interval during which customers can use a credit card and not pay interest to the bank. At Sberbank, it does not exceed 50 days. If during this period the owner pays for the purchases and manages to make 100% of the amount spent, the bank does not charge interest for use.

Many customers do not know whether it is possible to replenish Sberbank's credit card with parts during the grace period. A financial institution does not impose restrictions on frequency or amounts. Customers have the right to deposit at any time and in any convenient way.

How to calculate the grace period so as not to pay interest?

In order not to overpay for using the bank’s funds, you need to know when and how to replenish your Sberbank credit card account. To do this, you must be able to calculate the beginning and end of the grace period.

In the calculation, the reporting and payment date are used. The reporting day is the day the credit card is issued. Payment Date - This is the time you made the purchase.

To maximize the period (50 days), it is recommended to pay by credit card on the date of the report or immediately after it. For example, if you pay 5 days after, it decreases by 5 days, if the purchase is made 14 days later than the report, the period will be 36 days (50 - 14 = 36).

How to recharge a Sberbank credit card: all options

Ways to deposit funds to a plastic product of Sberbank differ in the size of the commission, speed and convenience. Most customers prefer to use the services of the issuing bank, but in emergency cases they also use alternative options.

Methods of transferring funds to the card account.

1. Through Sberbank Online.
2. In a network of remote service channels (UCO).
3. At the cash desk of the issuing bank.
4. Via online wallets.
5. At the box office of banks and third-party financial organizations.
6. Through payment terminals.
7. In a mobile application.

Any of the options allows you to replenish the limit of a Sberbank credit card from 3-6 hours to 3 days. The commission depends on the chosen method, but does not exceed 5% of the payment amount.

Credit card payment through Sberbank Online

This is one of the most convenient ways to deposit funds. Money is credited to the account within 3-12 hours. The maximum crediting period is 24 hours.

For depositing through Sberbank Online, registration is required. It is allowed to log in using the number of any client card or login from the terminal.

After registration, the client gets to the main page of the site, where all card products are displayed.

How to recharge a credit card of Sberbank in online banking? Step by step instructions below.

1. Find a credit card in the list of cards. Click on the product.
2. In the new window, select the "Recharge card" item. Select an account to be debited.
3. Enter the amount. Click "Next". Confirm the operation.
4. Check debit card debit.

Each successful operation is confirmed by the status "Completed". Do not worry that after writing off the credit card balance has not changed. Money does not arrive earlier than three hours. If after 24 hours the card balance has not changed, it is recommended to contact support.

Payment via UCO

Sberbank terminals and ATMs operate 24/7. This is another way to replenish a Sberbank credit card without a commission. To complete the operation, the client must have with him a credit card or any debit card in his name.

Step-by-step instructions on how to recharge Sberbank credit card through an ATM:

1. Enter the product, dial the PIN-code.
2. Select "Deposit Cash."
3. Insert bills. In the terminal - one at a time, it is allowed to deposit in a bundle at an ATM.
4. Click "Deposit cash." Wait for funds to be credited.

After execution, a message appears on the screen that the operation was successful. At the request of the client can print the check.

If the owner deposited funds on a debit card, after depositing it is required to transfer money between his accounts ("Transactions between my accounts", "Transfer from card to card").

Payment at the box office of Sberbank

Topping up a credit card through an operator does not require special skills. The owner of the means of payment must bring along a passport and a card. It is allowed to deposit cash only by passport in the territorial bank, within the framework of which the plastic product was released.

How to recharge a credit card of Sberbank in the office of the company:

• take the "Transfers" or "Cash" coupon;
• go to the window after the call;
• talk about the purpose of the visit, prepare a document and a map;
• Settle with a bank employee;
• to sign documents;
• get a copy.

If the operation was performed through a cash deposit to the card, the money will be received within 6-24 hours. When making a transfer, the receipt period can reach three days.

Using Online Wallets

Payment via the Internet is used by more than 85% of Russians. Every second is a client of Yandex. Money, QIWI or Webmoney. Applications allow not only to pay bills, but also transfer funds to cards.

To make a credit card payment using an online wallet, an account is required. Registration takes no more than 5-10 minutes. You must enter a mobile phone number and email address. After identification, it is allowed to perform simple operations, for example, payments.

To transfer to a card (withdraw funds), you need to receive a status confirmation. It gives the right to an extended list of services, including a transfer to a Sberbank credit card. To receive it, you need to fill out information about yourself: name, address, passport. Confirmation is made after sending a copy of the document. The term for assigning status is up to three days.

After receiving the status, credit card users can transfer to her account. A commission of 1% to 3% + a minimum amount (for example, 50 or 100 rubles) may be charged.

Cash deposit through third-party financial institutions

Other banks, mobile phone shops and transfer points carry out financial transactions related to the payment of contracts. Using third-party organizations is another option on how to replenish a Sberbank credit card.

At the choice of users:

1. Money transfer in banks. The term for receipt of funds is from 1 to 5 days. Commission - from 1% to 7%. Transfer is possible only after the submission of documents (passport, credit card account number, Sberbank details) and the plastic itself.
2. Payment at terminals of other banks. If there is a technical possibility, the payer can replenish Sberbank's credit card from another card. The term of the operation depends on the bank, but cannot exceed 7 business days. A commission is charged - 1-5% of the transfer amount.
3. Repayment of debt in mobile phone stores. MTS, Euroset and other companies provide financial services for Sberbank credit card holders. Interest for the transfer - from 0% to 3%. Money arrives in 2-3 days.

Payment terminals as a way to repay a loan

The user can replenish the credit card limit of Sberbank in QIWI terminals and other payment systems. A credit card number is required to complete the operation.

To put money, you need:

1. Select the service "Top up card account".
2. Enter the credit card number - 16 digits on the front side.
3. Collect the amount of payment.
4. View the commission.
5. Deposit cash and confirm the transaction.

Crediting occurs within four days. When depositing cash, the user should be aware that the terminals do not give change. The disadvantage of this method is the high commission: for every 100 rubles the client pays the service provider at least 15 rubles.

Payment via Sberbank mobile application

Customers who have a smartphone can transfer funds between their accounts 24/7. It is allowed to make credit card payments from any holder’s debit card through Sberbank’s mobile application.

Instructions on how to recharge Sberbank credit card in the mobile version of Internet banking:

1. Log in to the application using your personal 5-digit code.
2. Select the "Payments" tab.
3. Click on "Between your accounts."
4. Select a debit card to be debited.
5. Make sure the credit card is the credit card.
6. Enter the amount and click "Continue."
7. Confirm transfer.
8. Make sure the operation is successful.

The term for completing a transfer in Internet banking does not exceed 24 hours. The client can save the electronic version of the check and send it to e-mail, a social network or messenger.

Why payment may not reach?

When repaying a credit card limit of Sberbank, the owner must carefully check the details of the operation, even if it was carried out in the bank through the operator.

There are several reasons why the money did not reach the account of the owner of the credit card.

1. Incorrect data. Invalid account number, card, bank details.
2. Incorrect operation, for example, making cash without confirmation, as a result of which the money was returned to the carrier.
3. The presence of large debt. If the interest for using the funds exceeds the amount of the contribution, the owner of the credit card will not see the balance change. All funds will be used to repay interest, according to the priority of the loan agreement.
4. The technical error. In this case, the client needs to keep a check indicating the amount, date and time of the transaction. The document is presented at the place of service. For example, if the Sberbank ATM accepted, but did not credit the credit card, the payer must file a claim at the bank’s office.

What to do in this case?

The owner of a Sberbank credit card must remember that money does not immediately arrive at the plastic card account. The term of receipt does not exceed 24 hours. If the funds for the specified period are not credited to the account, you must:

1. Contact the Sberbank contact center by calling 900 (or what is indicated on the back of the plastic card). The operator is required to indicate the method of crediting, credit card holder details, card number. A code word is used for identification.
2. Come to the bank office. Passport required. The manager will familiarize himself with the condition for receipt of funds, and if necessary, make a claim.

The term for resolving the issue takes from 1 to 30 days. In 90% of cases, money is credited within 48 hours after the user's request.