Bank Tinkoff. How to pay a loan by contract number: instructions and methods

2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16

"Tinkoff Bank" currently provides several types of loan services at once: credit cards with a limit, cash loans for debit plastic and mortgages through partner financial institutions. The product line of this structure is quite narrow. But lately, this company has gained a large client base (more than six million people), in this regard, the question of how to pay for a Tinkoff Bank loan is quite popular. Consider it further.

Feature of a financial institution

For starters, you should have an understanding that the lack of logistics and banking infrastructure (in fact, this is what Oleg Tinkov is proud of) forces the organization to use someone else's. No one will provide it for free. Accordingly, such costs are included in interest rates or separately charged financialfunds for services from clients. Next, consider the instructions and options for paying the loan.

Payment methods for credit loans

They are:

• Free loan repayment option.
• With charge off commission.
• Offline.
• Or online when everything is done remotely over the internet.

That is, the client can choose any method convenient for him.

How can I find out the number of the loan agreement and what is it for?

The loan agreement number can be compared with a unique code used to identify the borrower. Many clients, when receiving loans and plastic cards for payment, think that their numbers must match. But this is an erroneous opinion: the plastic number is not connected in any way with the numbering of loan agreements. In addition, the abbreviation of the document and bank account details do not match. From a card or directly from a personal account, you can pay for any expense by transferring money to certain details. One of these is the number of the loan agreement.

Clients of Tinkoff Bank will not be able to pay a loan under an employment contract: you can use the Internet or visit a partner network branch. You can find out the document number in the following ways:

• Open the paper version of the loan agreement: the number is indicated immediately on the first page.
• Go to your personal online banking account, in the section called "Loans" and start the loan information.
• Call the customer support service by phone (the operator will ask you to read your passport details with a code).

Instructions for offline loan payment without commission

It is worth repeating that the organization has no offices, and any cash transactions are carried out through partners. Thus, in the event that we talk about how to pay for a Tinkoff Bank loan without charging a commission offline by phone, it must be said that funds can be deposited through the following companies:

• Partner banks.
• Communication stores (for example, MTS along with Beeline, Megafon, Svyaznoy, Euroset).
• Elecsnet payment terminal.
• Financial transfer systems like Zolotaya Korona, Kontakt, Unistream and so on.
• Russian Post.

The partner network of this bank is quite extensive, so the most familiar and popular companies are indicated above. The easiest option is to replenish through the self-service terminal of Svyaznoy, Euroset and Eleksnet. It is also very convenient to pay a Tinkoff Bank loan by card number, since for this you do not have to stand in line with a bank teller. And if the client makes replenishment through the employees of the above institutions, then they will also ask for a passport. And you need to have it on hand, and not just call the numbers.

Payment in the store

The scheme of actions in this case will be as follows:

• Go to the terminal.
• Find the section called "loan payment".
• Select "Tinkoff" in the list.
• Enter card number.
• Deposit money one at a time (which is very important), press "ok" and wait for the receipt to be printed.
• Or you can approach an employee and say that you need to deposit funds to pay off a loan at this bank. Provide a passport at the same time.

Loan repayment through a partner bank

The actions will be as follows:

• You should contact the employee (through an ATM, acceptance will often be prohibited).
• Tell him about your desire.
• If there is an additional program from Tinkoff, then it will be enough just to name the card number and give a passport.
• If they don't have it, they will have to generate a full payment order.

But you don't have to pay for it. In this case, the procedure will take some time (in most situations from ten minutes or more), the person will need the details of the bank, credit account, all this is usually indicated in the service agreement.

Speaking about partner banks, it must be said that it is more convenient and faster to replenish the card using an ATM, but this opportunity may not be provided. After all, each financial institution has its own firmware in the device, which limits and does not allow a lot of things. reprogramnot everyone will have one for counterparties. It is also worth knowing that when choosing such methods for depositing cash with partners, there may be a limit on the amount. But there is a significant plus in the form of instant money transfer.

We will talk below about how to pay for a Tinkoff Bank loan by contract number.

Offline with commission by contract number

In cases where you need to deposit a large amount at a time or by some miracle it will not be near the offices of Tinkoff partners, you can make a bank transfer based on the details in cash through the cash desk at any bank. Thus, the client has the opportunity to pay for the Tinkoff Bank loan using the agreement or card number. To perform such an operation, a passport is required along with the details of the recipient, the number of the contract or card, which must be indicated in the payment destination.

Bank transfer is unlimited in amount, and crediting is carried out within one to two business days. The necessary information is presented on the official portal of Tinkoff Bank in full. You should pay attention to the fact that for each currency there are separate details. You can also get them in Internet banking in the section called "About the account". It is worth noting that Tinkoff does not charge a commission when crediting funds, but you need to familiarize yourself with the sender's bank rates in advance, otherwise they may simply be shocking.

Online with a commission from the card

Having the plastic of any bank, you can pay off the loan"Tinkoff Bank" from the card or make other transfers to another payment instrument. In the event that the issuing bank does not have the technical capabilities (Internet banking) and cannot provide such a service to its customers, the operation can be performed directly on the Tinkoff website.

Before you pay the Tinkoff Bank loan by card number, you should be reminded of the commission costs of the operation. The commission for the transfer service charged by the financial institution in question will be calculated automatically after filling in the payment amount. In addition, additional withholding is possible from the side of the bank from whose card the debit is made, this amount is specified in the issuer's tariffs. There is a limit on transfers in the amount of seventy-five thousand rubles, crediting is carried out from several minutes to five days.

Via App

How to pay off a loan through the Tinkoff Bank application? It should be noted that this will not work. However, it is worth recalling for those who are not aware that you can pay loans from any third-party banks online from an account with Sberbank, and for this there are two tools that have identical functionality. We are talking about a personal account on the official website for a desktop computer and a mobile application for tablets and smartphones. The portal is called "Sberbank Online", the scheme of actions in both cases will be the same. Here is a step-by-step instruction on how to use the application:

• Log in andfind two items in the menu, first "Payments and transfers", and then "To another bank".
• Or enter the word "BIC" in the search bar, after that the desired section will immediately appear in the form of a hint.
• If the client has several Sberbank cards, then you need to choose the one on which there is money.
• Keep the BIC of Tinkoff Bank and a sixteen-digit account number.
• Next, you will need the contract number (all this is indicated on the back of the loan agreement).
• Then you need to enter your name, indicate the phone number and the amount of payment.
• After that, a verification code is received on the phone and entered one more time.

It is worth noting that the commission will be at least one percent of the payment amount, which is very convenient. After all, Tinkoff does not have branches, while all other banking organizations can have them located quite far from home. You can spend more money on travel. We have already considered all possible ways of how to pay for a Tinkoff Bank loan. Next, let's talk about the possibility of obtaining mortgage lending in a financial institution.

Mortgage

Tinkoff does not personally issue mortgages, but helps to process documents from partner banks, such as Absolut along with URALSIB, Metallinvestbank, SMP, UniCredit, Gazprombank and others. The listed organizations have retail offices, in this regard, after receiving a mortgage loan, it will be possible to deposit cash in payment for the loan through the cash desk in absolutely any branch of the financial institution that issued the loan. italways carried out without commission. You can read about other methods separately on the portal of each company.

Conclusion

Thus, the represented institution, over the years of its presence in the financial market and due to its position (it does not have its own infrastructure), has managed to acquire a fairly extensive network of partners, both institutions and banks. You can deposit cash in order to pay off a loan at Tinkoff Bank not only within your home region, but absolutely throughout Russia in three hundred thousand partner points. And also at any time on the bank's website, making an online transfer from a card to another payment instrument.