Transfer from Sberbank card to Tinkoff card: what is the commission?

How can I transfer from a Sberbank card to a Tinkoff card ? How much will the commission be in any given case? And what conditions must be observed when conducting a transaction? Answers to all these questions will be listed below. Despite the fact that Tinkoff Bank does not have its own terminals, it is possible to transfer money to the appropriate plastic. And basically people do it with the help of Sberbank of Russia.

About methods for solving the problem

Transferring from a Sberbank card to a Tinkoff card is a fairly simple task. But she has several solutions. Depending on the selected plastic replenishment method, the commission will change.

The following methods of replenishing a Tinkoff card through Sberbank are distinguished:

• ATMs and payment terminals;
• internet banking;
• mobile banking;
• Tinkoff website;
• "TKS personal account".

In reality, everything is much simpler than it seems. Next, we consider all of these techniques individually.

ATM

Transfer from a Sberbank card to a Tinkoff card is possible through an ATM. This is not the most common trick, but it still exists.

You will have to act approximately like this:

1. Find any working Sberbank ATM.
2. Insert plastic into the ATM device.
3. Specify a PIN to log in.
4. Select "Payments in my region" - "Cash transactions" in the main menu.
5. Click on "Transfer money."
6. Select "Another Bank".
7. Enter the details of the Tinkoff plastic and the amount of transfer.
8. Check data.
9. Click on the "Translate" button.

It is done. It remains only to wait until the funds arrive to the recipient. This usually occurs within 10-15 minutes. Is there a commission in this case? A transfer from a Sberbank card to a Tinkoff card costs 290 rubles + 2.9% of the amount to be replenished. Reception is ideal for large transactions.

Mobile to the rescue

The next scenario is working with a mobile application from Sberbank. It helps to quickly make payments and transfers through bank plastic.

Step-by-step operation is as follows:

1. Install the Sberbank Online application on your phone.
2. Register in the appropriate service.
3. Open the program on your smartphone and log in to it.
4. Click on the "Transfers" section.
5. Click on the line "To the card ..." - "Another bank".
6. Indicate the Tinkoff card number and other plastic details.
7. Write the amount of the transfer.
8. Indicate the card from which to write off funds. The step is necessary only for those who have several plastics from Sberbank.
9. Click on the application submission confirmation element.

The commission in this case is charged at a rate of 1.5% of the total amount of the transfer. And nothing more. Therefore, the reception is good for both small transactions and large ones.

"Sberbank Online"

The next option. Need to transfer from a Sberbank card to a Tinkoff card? You can use online banking. In our case, we are talking about the Sberbank Online service. Working with him is simple and easy. Even a teenager can cope with the transaction.

You will have to follow the following algorithm of actions:

1. Register on the Sberbank Online portal. The password and login for entering can be obtained at the ATM or at the payment terminal. Here, one-time data is available for authorization.
2. Open the Sberbank Online page in a browser.
3. Log in to the portal and indicate the secret combination. She will come in the form of SMS to a phone tied to plastic.
4. Click on the "Payments and Transfers" button.
5. In the "Transfers" section, select "Another Bank" (or something like that, the inscriptions may differ).
6. Write the details of the plastic for which you want to credit the funds.
7. Enter the amount of the transfer.
8. Confirm transaction.

That's all. Is there any additional interest charged in this case? Sberbank transfer to the Tinkoff card provides a commission of 1.5% of the total amount. In the same way as in the previous case.

Tinkoff site

But that is not all. In some cases, it may be necessary to transfer from a Tinkoff card to a Sberbank card. Or vice versa. Such an operation is easily carried out using the official Tinkoff page. Money transfer fees will not be charged.

How to cope with the task? For example, such an algorithm is possible:

1. Open tinkoff.ru website in a browser.
2. Go to the "Payments" section.
3. Click on the line "Transfer from card to card."
4. Enter the details of the plastics (number, CVC and expiration date). First, fill in the card data from which you want to write off money.
5. Write the amount of the transfer.
6. Check the box "I have read and agree."
7. Click on a control called "Translate."

At this stage, all the manipulations end. In a few minutes, the funds will be transferred to the indicated account. The convenience of this technique lies not only in the absence of a commission, but also in the fact that the user can replenish an account from a Tinkoff card with plastic from other financial organizations.

"Personal Area"

Regular Tinkoff customers can take advantage of another rather interesting and simple trick. It is about using the user’s "Personal Account". With its help, the transfer from plastic to plastic will be carried out without commission.

What to do? You have to face the following steps:

1. Register on the TSK service.
2. Go to the page www.tinkoff.ru/login.
3. Log in to "My Account".
4. Dial a combination to confirm the procedure. A message will arrive on your mobile device.
5. Find and open the "Payments" block.
6. Select the category "Transfer from card to card".
7. Indicate the number of plastic, its validity and the amount to replenish the account.
8. In the left part of the window, select the card to which you want to deposit money.
9. Check the box next to "I agree."
10. Click on the "Translate" element.

Transaction completed. As we have already said, such a transfer of money from a Tinkoff card to Sberbank does not provide for interest. And when transferring funds in the reverse order, too.

Limitations of Tinkoff funds

We found out how to cope with the task. But it is worth paying attention to the fact that the transfer from the Sberbank card to the Tinkoff card (and in the reverse order) provides for some restrictions. They vary depending on the chosen method of action.

In the case of working with the Tinkoff website and "My Account", the following restrictions apply:

• maximum transfers per day - 5 times;
• the limit for a one-time transfer is 75,000 rubles;
• monthly transfer limit on MasterCard - 500 000 rubles;
• restrictions for VISA - no more than 300 thousand rubles for 4 days.

There is no commission fee for transferring from a Tinkoff card to Sberbank . This is extremely convenient!

Limitations

Transferring from a Sberbank card to a Tinkoff card provides for some more restrictions. Namely:

• the term for crediting funds is from 10 minutes to several days (the first scenario is more common);
• one-time transfer - up to 30 thousand;
• card recharge limit for 30 days - 150 thousand.

It is important to pay attention to the fact that basically Sberbank charges a commission for the operations under study with the assistance of other financial organizations in the amount of 1.5%. Sometimes the percentage is greater. Transfer from a Tinkoff credit card to a Sberbank card is not provided. But you can conduct the transaction in the reverse order.