Alfa-Bank launched a money transfer service. Holders of all categories of cards can send funds to any ruble accounts in Russia and the CIS countries. One of the main advantages of the service is that the grace period for credit cards extends to the amount of the transaction. An application for the operation can be submitted via the website, the Internet and the mobile bank using SMS.
Standard option
It was possible to transfer funds to relatives in other regions of Russia earlier - via the Internet. Alfa-Bank transfers to a card of another bank at the following details:
- account numbers of the sender / receiver;
- validity period of the sender's plastic;
- secret three-digit code;
- transfer amount;
- the number to which SMS will come with a password.
Typically, Alfa-Bank processes transactions from one card to another within a few minutes. It all depends on the credit institution that issued the beneficiary's card. The service can be used both for personal purposes and for business. The transfer amount is limited to 75 thousand rubles. within one operation and 0.5 million rubles. per month. Alfa-Bank transfers from one card to one user’s card no more than 50 times a month. Transactions between customers of one bank are free of charge. A credit card is charged at 0.5% (min. 30 rubles) for one operation. In other cases, you will have to pay 1.95%.
O! PP
The new application allows you to transfer funds between accounts directly from your mobile phone. It is not necessary to register in the system. But in order to save transaction templates, you will have to leave a phone number. Alfa-Bank transfers to a card of another bank through a mobile application using the standard details: account numbers of the sender / receiver, expiration date and security code. While transactions are carried out only with cards that support 3D Secure technology. To verify the compatibility of "plastic" with the application can be empirically. In the event of an unsuccessful attempt, money will not be withdrawn from the account.
Features
Filled out applications are stored in the "History", and frequently used ones can be entered in the "Templates" for quick repetition. Alfa-Bank credit card transfer fees are immediately displayed on the screen. Saved “plastics” can be assigned names and change colors so that you can quickly find them in the future. Linking one card for all transfers is not necessary.
Billing Services
The commission for the service depends on the direction and type of plastic. Alfa-Bank transfers from card to card of its customers for free. Most will have to pay in case of transferring funds from a credit card abroad - 5.9% of the amount.
Type of transfer | % |
Between Internal Accounts | 0 |
From a card of another institution | 0.5 |
Between the "plastics" of different banks | 1.95 |
Between accounts of foreign credit institutions | 2% + 40 rub. |
From a credit card to other Russian accounts and abroad | 5.9 |
Service comparison
Transferring money to an Alfa-Bank card can be done not only through O! PP. There are similar services on the market that do not require prior registration of the user. Compare their rates.
"Transfers"
The application from the Bank of Moscow works without prior registration. But authorized users can use the function of transferring money by mobile number, profile on the social network or email address. One operation is limited to 15 thousand rubles. No more than three applications can be submitted per day.
Type of transfer | Commission |
Between Bank Customers | 0% |
From other plastic accounts of the Bank of Moscow | 1.5% (min. 50 rubles) |
Between cards of other institutions or with a credit card | 1.5% (min. 50 rubles) |
“From card to card”
At Tinkoff Bank, you will have to pay 2.9% + standard 290 rubles for the transaction, and the standard restrictions on the amount of one transfer are 75 thousand rubles.
Type of transfer | Commission |
Between Bank Customers | 0% |
To a card of another institution | 1.5% |
On the "plastic" of the Tinkoff Bank | 0% |
Between accounts of other institutions | 1.5% |
C credit cards on the "plastics" of other banks | 2.9% + 290 rub. |
"Racket"
The Rocketbank application has a fixed commission for any transactions - 1.45% (min. 30 rubles). At the same time, the service saves the history of transfers and account numbers from which applications were issued.
Internet applications
For transfers through Yandex.Money in any direction, regardless of the amount, you will have to pay 1.9% (min. 40 rubles). Mail.Group charges 1.3% for transactions in rubles (min. 30 rubles). In the service "Wink!" Service charging depends on the type of card: debit or credit. In the first case, 1.8% is charged (min. 40 rubles), and in the second case, the bank sets the transfer commission.
Summary
Within Russia, it is best to transfer funds through the issuing bank program. If the money is withdrawn from a credit card or transferred abroad, then the default commission will be higher. Among the Internet services, Mail.Group turned out to be the cheapest. Alfa-Bank transfers from card to card through the O! PP application. It attracts with its non-standard interface and processing speed of applications. But the program so far only works with cards that support 3D Secure technology. This is her only minus.