Today, every third resident of the country uses money transfers between cards. The reason for this interest in the service can be explained by the convenience and affordable service. Let us consider in more detail how mobile transfer from card to card is carried out.
For whom?
Transferring funds between cards makes it possible to provide financial assistance to relatives, friends and relatives anywhere in the world and at any given time. Indeed, situations often arise that cannot be solved without money. This service attracts customers with high security standards and the sending of an address transfer (the recipient must confirm his identity and provide a password).
Process algorithm
To transfer funds between accounts using SMS, you need to send a message to a specific number (specified in the rules for the provision of services by the bank). The text of the message in abbreviated form contains information about the sender's account, the card number of the recipient, the amount of transfer. The service is provided only to authorized users of Internet banking, as the client will be identified by his mobile phone number.
Mobile transfer from card to card of Sberbank
Sberbank card holders can send money at any time to another client of the bank. The operation is carried out in Russian rubles in real time. The credit card funds can be credited the maximum the next day. Limitations on the amount of transfer are provided within 8,000 rubles per day for 10 operations. However, when forming the application, you need to be very careful, since the cancellation of the operation is impossible. For questions about the refund, you will have to contact the recipient.
How is mobile transfer from card to card charged?
| through the branch | through the application | by SMS |
between cards of one client | is free |
to a debit card of another bank customer | is free |
to a debit card issued by another bank | 1.5% (min. 30 rubles) | 1% | 1% |
to credit card | is free |
How to transfer to a Sberbank card via mobile?
The application is formed in the form of SMS, which should be sent to 900, with the following text:
Translation 9 700, where:
- 9 - this is the phone number of the recipient;
- 700 - the amount of the transfer.
In response to the request, a code will be sent to confirm the operation. It is necessary to check the details of the recipient again and send a message.
Transferring funds between your cards is carried out by the command:
TRANSFER 7777 8888 1000, where:
- 7777 - the last 4 digits of the account from which money will be debited;
- 8888 - the last 4 digits of the account to which funds will be received;
- 1000 - transfer amount.
Automated claims
If you have to transfer funds to relatives regularly, you can speed up the process. To do this, you need to assign aliases to senders in the system. This is done by sending a message: NAME 9 SISTER. After this, applications for translation will be accepted in abbreviated form: SISTER 50000. The created aliases can be edited and deleted if necessary.
Common cause
Financial assistance may be required not only to family members, but also to colleagues. For example, you decided to chip in for the anniversary of one of the employees, but at the right time you were not there. In this case, you can send a mobile transfer from card to card, accompanied by a text message:
9 700 AS A GIFT FOR ALEXEI
In a similar way, the issue of paying the total bill in a cafe is solved when there is no ATM nearby. One of the friends pays the bill in a non-cash way, and the other friends send him funds to the card.
Alternative methods
Mobile transfer from card to card is most often carried out through the application or the website of a financial institution. The processing time for such applications is from several minutes to an hour. The commission is not much different from the tariffs on the market. To work through a mobile application you need to be a client of the bank, download and install the program on the gadget. To send money through the site you need access to the Internet.
"Alfa Bank"
A financial institution provides mobile transfer by card number to its customers on the following conditions:
- maximum 50 operations per day;
- the limit of one transfer is 100 thousand rubles;
- the limit of transfers from one account per day is 150 thousand rubles;
- the limit of all transfers per month is 1.5 million rubles;
- 0% - commission for debiting funds from Alfa-Bank debit card;
- 1.95% - tariffication of all other transfers.
To generate an application, it is necessary to indicate on the financial institution’s website the account number of the charge off, the card number of the recipient, the validity period of the payment instrument and the security code.
Today, Tinkoff and Svyaznoy Bank offer their customers the option of transferring money to a card via mobile. Send funds through the site can customers "MKB", "Russian Standard" and even "Russian Post". Applications are accepted the same way. It is necessary on the bank's website to indicate the details of the account for debiting funds and the recipient's data. If he is a bank customer, then only a card number is required. In other cases, you will have to enter the full name and details of the financial institution. For additional protection of the operation, a one-time password is sent to the registered number.
How much is?
Billing operations on the market is formed on the same principle. Transfers between accounts within the bank are free of charge. Transactions on the card of third-party financial institutions are charged according to a double scheme: a commission is set in percentage terms and a minimum amount of money. Sberbank will have to pay 1% of the amount for such operations (min. 30 rubles), in Alfa-Bank - 1.95% (minimum 30 rubles), in Svyaznoy - 2% (minimum 100 rubles). Gazprombank charges 1% for the transfer of funds (min. 50 rubles), and in Russian Standard - 0.5% (min. 50 rubles).
Depending on the type of payment instrument, the recipient may pay a commission for the receipt of funds. All financial institutions carry out transactions on cards issued by banks of Russia. Transfer to the card via the mobile application is also provided by Mail.ru at competitive rates - 1.3% per transaction.
What about credit cards?
Transfer to a card through a mobile bank is permitted if funds are debited from a debit card and transferred to a credit card. The reverse operation is not allowed by all credit institutions. In particular, Sberbank and Alfa Bank loyal to tariffs do not transfer funds via SMS from credit cards. VTB customers can use the service by paying 3% of the amount. Svyaznoy and Russian Standard charge such operations at 4-5.9%. A commission is charged even for transfers within the bank.
Conclusion
The mobile funds transfer service has many advantages. Money is credited instantly to a card issued by a bank of the Russian Federation. An application for transferring funds can be made directly from a mobile phone. Although not all banks offer the service, transaction rates are gradually decreasing. Today it is more profitable to issue a mobile transfer through an Alfa-Bank and Sberbank card.