Since 2014, Promsvyazbank PJSC canceled the fee for transfers between accounts. Clients of a credit institution can pay for goods in online stores, utilities, send money to relatives without a fee. Read more about how to make transfers from card to card through Promsvyazbank CJSC, read on.
Briefly about the service
For the transfer of funds between accounts, credit institutions charge a fee of 10 rubles or more. up to 2%. Small savings are possible if small amounts are sent, and the transaction is carried out through the Internet bank. Some institutions provide this service with a minimum commission. For example, Sberbank of Russia charges 30 rubles for transferring funds between cards of different cities. Of great importance is also the type of plastic. Debit card transactions are cheaper than credit cards. There are also separate services that provide the service of converting funds between bank cards of all countries of the world. Commission ranges from 1-2%. If the payment amount is small, then you can choose any intermediary. But if it comes to the transfer of 10 thousand rubles. and more, it is worth exploring the tariffs.
Service Details
Promsvyazbank CJSC transfers from card to card of its customers for free. If the recipient has provided the credit details of another institution, the sender must pay a commission of 1% (at least 50 rubles) of the transaction amount. The commission for transactions on debit cards of other institutions is 1.5% (minimum 30 rubles). The speed of the transaction depends on the institution. Promsvyazbank CJSC transfers money from card to card instantly. If funds go to other lending institutions, the process can take 2-4 days. The transaction is carried out only in Russian rubles.
Limitations
Promsvyazbank CJSC transfers from card to card via the Internet bank in the amount of up to 70 thousand rubles. per day and not more than 600 thousand rubles. per month. From one account to another, clients can transfer up to 100 thousand rubles. On the day you can send 4 payments - only within the Russian Federation. Confirmation of the transfer is carried out through 3D-Secure (enter a one-time password).
Transfer money from card to Promsvyazbank card
To carry out a transaction, go to the “Accounts” section on the main page of the bank’s website and then to “Transfers from card to card online”. In a special form, you must enter the card number of the sender and recipient, the validity period of the plastic, the security code, indicate the amount of the transaction. The next step is to check the correctness of the specified data and confirm the payment.
Mobile app
In the updated PSB-Mobile program, Promsvyazbank customers have access to the function of transferring funds without authorization. To apply, just click on the shortcut on the start page. Here you can view information about the number of points collected, get an account statement. The accumulated bonuses can be spent on paying for the services of the bank, partners, and convert them into cash. The application is available for free in the online stores Apple Store and Google Play.
Comparison
A transfer from a Promsvyazbank card to a Sberbank card is paid at the rate of 1.5% (minimum 30 rubles). Some lending institutions charge a large commission:
- “Vanguard” - 1% (min. 30 rubles).
- VTB24 - 1.25% (min. 30 rubles).
- Instabank - 1.3% (min. 50 rubles).
- Raiffeisenbank, Uralsky, SMP, Svyaz-Bank - 1.5% (min. 50 rubles).
- Home Credit - 100 rubles. regardless of the amount.
You can send a transfer to Promsvyazbank to a Sberbank card. The commission will be 1.5% (minimum 30 rubles). Alfa-Bank CJSC charges 1.95% (a minimum of 30 rubles) for a similar operation, and Russian Standard CJSC charges 1.9% (a minimum of 50 rubles).
Non-banking services have a cheaper commission. Center-invest makes transfers for 0.5% of the amount (minimum 10 rubles). Otkritie FC has similar rates. If the payment amount exceeds 50 thousand rubles, the service fee will be 250 rubles. So the transfer from card to card through Promsvyazbank is inexpensive.
VMT, MCMS
Services of international payment systems Visa Money Transfer, MasterCard MoneySend allow you to carry out transactions without entering additional details. The payment processing takes from several minutes to 5 days. You can send a transfer from card to card through Promsvyazbank CJSC. The commission will be 1.5%. In VMT, MCMS will have to pay 2% + 20 rubles. The second problem is that far from all credit institutions are connected to such services in Russia: Sberbank, Svyaznoy, TCS, BRS, MDM.
Cash transfers
You can transfer funds from one account to another within one bank directly from an ATM or terminal. To complete the transaction, the client just needs to enter the account number of the recipient and the sender, indicate the amount and send the banknotes to the bill acceptor.
Abroad
Credit organizations introduce transaction services through smartphones. The most convenient are those that operate without prior registration. That is, the transfer can be sent by specifying the details of the recipient.
Especially for these purposes, Tinkoff Bank, Alfa-Bank and Bank of Moscow developed the O! Pp application. The commission for services is 0.5-5.9% (depending on the type of card). "Bank of Moscow" has further expanded the functionality of the eponymous mobile application. Now customers can transfer funds by phone number, social network profile and email address. The service charge is 1.5%. A day you can make no more than three payments in the amount of not more than 45,000 rubles at a time. The same rates are provided for in the Tinkoff Bank application. The maximum amount is limited to 75,000 rubles.
Online services
Do not forget about the Yandex.Money and Money@Mail.ru mobile applications. Intermediaries charge 1.9% and 1.3% respectively. Transactions are carried out in rubles between Visa and MasterCard cards .
For a transaction through the Card2card service, Bank of Moscow customers will have to pay 1.5%, Alfa-Bank - 5.9%, Russian Standard - 1.9%, Tinkoff Bank - 1.5%. Sberbank offers this service only to registered users. Transactions are made through cards of international payment systems of Russian and foreign banks. The maximum duration of the operation is 5 days. Clients of Russian Standard CJSC can also transfer funds through Unistream at the rates of a credit institution. Cardholders can use MasterCard instant transfer service directly through the system’s website. But this option is available only to registered users.
QIWI payment system, which is valid in all CIS countries, charges 2% + 40 rubles for transfers of funds from Russia abroad. Clients of the service "Wallet One" will have to pay 2.9% for a similar operation (at least 50 rubles). More loyal tariffs at RBK-Money. If the transfer amount does not exceed 10 thousand rubles. per month, then the transaction is free. In other cases, you will have to pay 2.95%. Only registered users can use the services of the service.
Where is more profitable?
Banks offer money transfer services for 1-2% of the amount. The commission of Internet services is higher and amounts to an average of 2-3%. If the transfer amount is small or the client cannot wait for a long time, then it is worth sending funds through international payment systems. Another option is to use a Sberbank card . The transaction fee is only 1%, transactions are processed quickly - from several minutes to one hour. Those who do not yet have a card of this institution may try to make a cash transfer through the department staff.