How to transfer money without commission: methods of money transfers, systems, description

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

In the article, we will consider how to transfer money without commission.

In different situations, people often need to transfer funds by card or by phone. Relatives may need material support (for example, children who are studying in another city or living far away parents, friends).

Cashless payments are often used in work activities (additional expenses during a business trip, etc.) and in everyday life. Finding a way to transfer money, especially without a commission, is quite relevant today. Each person wants to carry out such a financial transaction with minimal expenses, and, best of all, for free.

How to transfer money without commission, many people are interested.

How to transfer?

At the moment, there are various ways to transfer money, and all of them can be used in certainsituations. The choice of option depends on certain factors:

1. Commission amount: various services charge some amount of money for their own services.
2. Availability of a plastic card: conditions for transfers by cards even of the same bank are not always free. For example, Sberbank takes commission money for transferring funds to another city. And transferring money between plastic cards of different banks can be quite an expensive service.
3. Convenience: in most cases, a more affordable translation option is chosen.
4. Delivery timeframes: in certain cases it is necessary to transfer funds immediately, and some transfer options can take quite a long time (through the Russian Post, the maximum transfer timeline is 14 days).

These are the main parameters that bank customers who wish to transfer money are guided by. Without a commission, it is almost impossible to carry out such an operation without the use of plastic cards. And in some cases, even the presence of a plastic card of one bank cannot solve the issue of a free transfer to other cities (for example, Sberbank cards).

So. You can transfer money to a Sberbank card without commission only between cities in the same region of residence.

Methods of transferring money

So. How to transfer money without commission? To date, there are several methods of transferring funds. These include:

• transfer using plasticcards;
• postal orders;
• interbank and bank transfers offered by many banks, such as Sberbank;
• money transfer systems;
• electronic wallets;
• recharge phone account.

The above describes the main options that can be used in a given situation. Their conditions differ, therefore, when choosing the appropriate method, it is recommended that you familiarize yourself with the rules for transferring funds in advance.

How to transfer money without commission?

When choosing how to transfer funds, most people are concerned about the following question. How to transfer money without commission? The answer is simple. A similar transfer option is available, as a rule, to customers of one banking institution.

Most financial institutions allow their clients to carry out such transactions without commission (for example, between plastic cards of one holder or transferring money to other clients). However, such a provision is not mandatory. And absolutely all banks can set their own fees and rules.

How to transfer money without commission in Sberbank?

This rule works here. Transfers that are made between clients of this bank within the same region are carried out without withdrawing commission funds. If the transfer needs to be made to a Sberbank client in another region, a certain commission will have to be paid for such an operation.

If money transfer is necessaryto produce in one region, it is quite simple to do this. Through the application "Mobile Bank". It provides a convenient system of transfers, without commission. It is enough to know the current account, where to transfer money, or the phone number of the client who needs this transfer, if this number is linked to a bank card.

Transaction through Russian Post

Russian Post offers the services of using the CyberMoney service. The advantage of this method can be considered accessibility (there are many branches of the Russian Post in different regions of the Russian Federation). The main disadvantage of this method is the duration of the transfer (in some situations up to 14 days).

Transfer from plastic cards

This option is the most convenient and affordable for all bank customers, including Sberbank customers. You can send money from card to card, or to a current account. Similar operations are possible between plastic instruments of the same or different banks. Money amounts are transferred from the account to the electronic wallet. Each banking organization has the right to set a commission for a certain operation. And the timing of the transfer. In most cases, money is transferred from plastic to plastic of one bank instantly, the deadline here is a period of 5 banking days. Weekends not included. You can perform such an operation directly at a bank branch, as well as in a terminal and in a mobile bank using a smartphone. If this service is activated.

ExceptIn addition, the websites of various banks provide specialized card-to-card services that are created specifically for transferring funds that can be used if necessary. In this case, you can use cards of any issuing banks.

Interbank and bank transfers at Sberbank

Be careful. It is not always possible to transfer money without commission in Sberbank.

This is a very convenient option for making transfers between settlement accounts. In this case, you can send the required amount of money from the current account, indicating the amount of payment to the card or in cash. When transferring money to the current account of another financial institution, a commission is set, the amount of which depends on the type of card. Funds reach the addressee in a fairly short time (usually no more than three days).

Transfer via e-wallet

Recently, this method of transfers has become very popular, since many people have electronic wallets. This operation usually takes only a few minutes.

Such systems as "Yandex", "Qiwi" and "WebMoney" are actively used in cases of need to instantly transfer the required amount of money, and this is the main advantage of electronic money. The disadvantages of this method include some restrictions on the amounts of financial elements (in most cases, no more than 15 thousand rubles can be sent per day). There is also a mandatory commission, and notonly for the transfer itself, but also for cashing out funds. You can carry out a transaction through an electronic wallet via the Internet, without even leaving your home. How to transfer money to a card without commission?

Application of money transfer systems

Such systems as "Unistream", "Contact", "Western Union", "Zolotaya Korona" are actively used, which are ready to issue the amount of money sent to the addressee in a short period of time - about an hour after the operation is completed. However, here, too, a commission is charged from the sender, while the recipient pays nothing when receiving funds. Another disadvantage is the localization of cash points: in some small towns, this or that service may not work.

Transfer from phone - what does it mean?

How to transfer money from your phone without commission? Previously, in the assortment of many operators there was a service for replenishing the balance of the phone from the card. Now its reverse version has appeared - the ability to replenish the card from the operator's balance. This feature provides the ability to control your funds on the card and balance. Operators such as MTS, Beeline and Megafon were the first to add such an opportunity to their range of services.

If a bank client wants to replenish the card account from the phone balance, you must enter the operator's website (you can use the mobile application on your smartphone) and use the corresponding service. On the main page you need to find the column "Transfer to a bank card". This method of translationonly suitable for cards used in the most common payment systems. To transfer money to a card, you must fill out the appropriate form, which contains such items as the transfer amount, phone number. They should be filled in and mark the item “From the phone account” below.

The minimum amount of such a transfer is 1300 rubles. Such a transfer cannot be made without a commission, and it is 4% of the financial amount that the client intends to transfer. This is due to the fact that, in addition to the bank, telecom operators also take part in this operation, and they do it only for money. This applies to absolutely all telecom operators that provide such a service. If after the transfer of funds on the phone account there is an amount of less than 50 rubles, then such an operation will not be carried out. The operator that provides this feature can change the commission percentage at any time.

We looked at how to transfer money without commission.