Alfa-Bank Bank Card is a payment instrument used by thousands of Russian citizens. Thanks to the company's loyal policy, the debit and credit products of this bank are gaining more and more popularity. Any operations using a plastic card or its details are actually operations with a bank account, and before spending money, you need to replenish it.
Holders of this payment instrument have several options to deposit money on an Alfa-Bank card. Due to the variety, the user can choose for himself the most convenient and profitable way to replenish. You can deposit funds to your account by contacting the offices of this financial organization or a branch of another bank, through an ATM or self-service terminal, and also using the capabilities of online services.
Top-up through branches of financial organizations
This is the most profitable way to deposit money on an Alfa-Bank card. In this case, subject to certain conditions, there is no commission fee for replenishing an account. When replenishing an account at an Alfa-Bank branch, the owner of a payment instrument is required to present a passport, a bank card to the cashier and deposit the desired amount of money. No commission is charged for a credit transaction by a bank. Funds are usually credited on the same day.
It is possible to deposit money on Alfa-Bank debit or credit card without presenting a payment instrument, including by a person who is not an account holder. In this case, in addition to presenting the passport, you will need to indicate the number of the payment instrument, the account of which is replenished, as well as the name, surname and patronymic of the owner. In this case, the bank additionally charges a transfer fee. The procedure for replenishing a card through branches of other banks is identical.
Top-up via ATM
It is possible to replenish the account through an ATM or Alfa-Bank terminal equipped with a device for receiving cash (such devices are indicated by the Cash-in information indicator).
After the plastic card is inserted and the PIN code is dialed, you must select the menu item that activates the balance replenishment function. After the system confirms the possibility of performing this operation, you need to insert banknotes in the receiving device. Having finished accepting bills, the system displays the total amount of funds deposited. Next, by clicking on the appropriate key, select the menu item on crediting the amount. The card account balance will be replenished and the operation will be completed. You should be attentive to the status of bank notes being paid. Reception of dirty, jammed, torn banknotes may be refused.
In this way, you can replenish the account in the terminals of third-party financial organizations. Only in this case it is worth knowing that depositing money on an Alfa-Bank card will be subject to an additional commission percentage. Its size depends on which financial institution the terminal involved in the transaction belongs to. Money can be credited for a fairly long time.
Top-up via online services
Internet features allow you to replenish your account, avoiding trips to the offices of financial institutions, waiting in lines, the need to search for terminals. So where to put money on the Alfa-Bank card? Of course on the Internet. An absolute advantage is the ability to carry out operations at any time of the day.
Alfa-Bank itself has developed two applications, which, among other features, provide the function of transferring funds from one card to another:
- Alfa-Click allows you to conduct operations on the company's website directly from an Internet browser.
- Alfa-Mobile is a mobile version.
To transfer funds, you need to log in to the application and select the menu item "Transfer from card" in the "Transfers" section. Then select the cards involved in the receipt and expenditure transaction, and after specifying the amount, confirm the transfer.
For owners of payment instruments issued by other financial organizations, replenishment of Alfa-Bank's debit or credit card is possible using the Internet banking systems or the issuers' mobile applications. At the same time, you need to be prepared for commission and time costs.
Electronic payment systems
You can transfer money to an Alfa-Bank card from your wallet in the electronic banking system, for example, Yandex.Money or WebMoney. This method is most often used by freelancers who receive payment for the work done on an electronic account. The user needs to select “Money transfers” in the EPS account, and then “To a bank card” and fill in the data on the card number and the transferred amount. After that, access to the transaction will open.
For the Yandex.Money system, the transfer time depends on the bank, but most often, replenishment is carried out immediately. The commission will amount to 3% of the amount selected to be received, and a fixed payment for the operation in the amount of 45 rubles.
The minimum amount to replenish a card from the WebMoney system is 100 rubles. The commission will remain the same as for all similar operations in the system.
Top-up via self-service terminals
A recharge option is available through Qiwi self-service terminals. By selecting the operation “Transfer to a bank card”, indicating the details to be filled in and entering the desired amount of cash, you can transfer. The commission will amount to 1.6% of the replenished amount. The minimum contribution limit is 50 rubles. Money to the card account comes almost immediately.
Alfa-Bank has similar partnerships with Cyberplat and Europlat systems. The commission in the terminals “Cyberplat” will be 2% of the amount, but not less than 20 rubles, and in “Europlat” - 1%, but not less than 50 rubles. Each system guarantees the instant receipt of deposited funds.
Translations on the systems "Contact" and "Golden Crown"
If there are bank branches that provide money transfer services through the Contact system, you can replenish Alfa-Bank card for up to 500,000 rubles. For the operation, the bank will need to inform the number of the replenished card, the data of its holder, as well as present the passport of the person sending the transfer. You can also make a money transfer through the terminals of the partners of the Contact payment system. In addition to the commission, depending on the location of the sender, a significant drawback of this method is the delay in receipt of funds, which can be up to 4 days.
The sender who has a Visa, Master Card, Maestro, Mir card issued by any Russian financial institution can access the online transfer on the website of the CONTACT payment system. To transfer money to an Alfa-Bank card, you will need data on the payment instrument number of the recipient and the sender, the validity period and the sender CVC2 / CVV2 code.
Similar opportunities are provided by the Zolotaya Korona money transfer system.
Another way of transferring with the participation of two cards is available on the website alfaportal.ru. The service "Transfer from card to card" is provided by Alfa-Bank JSC with a fee. When replenishing an Alfa-Bank card, the period for crediting funds to the beneficiary's account depends on the issuing bank of the sender's card and can last from several minutes to 3 business days.
Opportunities "Russian Post"
Russian Post allows for non-cash transfer from card to card, including to an account with the financial institution in question. You can send money to Alfa-Bank with Visa and Master Card. The maximum amount of one transfer cannot exceed 50,000 rubles. Funds arrive instantly. A fee of 1.8% is charged for transfers in rubles, but not less than 65 rubles.
Top-up through partner networks
Another way available to many, which allows you to put money on an Alfa-Bank card. Communication stores, shops, shopping and entertainment centers, with which the company in question has entered into a partnership agreement, provide a service to replenish the balance of the account by depositing both cash and non-cash financial resources through the cashier. To perform the operation, knowledge of a twenty-digit card account number and a passport are required. The conditions and fees for each such partner are different.
In case of cash replenishment through Euroset, Beeline, Megafon, MTS, the commission will amount to 1% of the amount deposited, but not less than 50 rubles. In the network of Svyaznoy salons, the commission will increase to 1.5% while maintaining the same minimum. When replenishing with non-cash funds, the commission of the bank, from the card of which the expense transaction is carried out, is additionally taken into account. Under the terms and conditions provided, funds are guaranteed to be credited within 2 business days. In fact, replenishment occurs almost instantly.
Conclusion
There are a lot of ways to deposit money on an Alfa-Bank card. To successfully complete balance replenishment operations using a variety of options, it is always advisable to have information on the number of the payment instrument, the name, surname and middle name of the holder, account number, as well as your passport and funds that must be paid taking into account payment of possible commission costs.