How to put money on a Sberbank card: possible options

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

If you ask someone how to put money on a Sberbank card, the answer will most likely be the following: throw it through an ATM or go to a bank teller. However, there are a number of other ways. Let's take a closer look at them in the article.

What is it for?

In modern society, the use of plastic cards to pay for any service has become so commonplace that it is difficult to imagine a person using cash. Because more and more services are switching to cashless payments, making it easier to pay for goods.

To constantly use a bank card, it must have a positive balance, and for this you need to put cash on the card. Both in Sberbank and in any other similar institution, the client will be told about several ways to carry out this operation. Conventionally, they can be divided into two categories: using cash and non-cash. These methods will be discussed below.

How to put money on a Sberbank card through the terminal

It's simple. It is enough to find the appropriate device. A plusthat no commission is charged from the client for this service. But you need to understand that not every ATM designed for cashing out also works for acceptance.

To perform the operation, you need a payment machine (you can find it at any bank branch). All you need to have with you: a card and a pin code. Further, in order to put money on the card through the Sberbank terminal, you must do the following:

• Insert the card into a special port and make sure that the terminal recognizes it (there should be no error messages on the screen and the impossibility of the operation).
• Enter your PIN code. Many terminals are equipped with special "shutters" that cover the keyboard from prying eyes. If there are none, it is better to cover the buttons with your palm so as not to become the target of intruders who want to illegally take possession of a particular person's bank card.
• A number of keys will appear on the screen according to the names of operations that can be performed. If the ATM is universal, then the buttons for withdrawing money and replenishing the account will be available. In this case, you need to select the “Deposit cash” option.
• Banknotes are entered into a specially designated drive. Too old or crumpled money can be returned by the device. You just need to align the banknote and insert it back. If the funds are accepted, the required amount will be displayed on the screen. When the required amount has already been entered, you need to press the "Next" button.
• Now you should make sure that the amount of funds deposited is correct. On the screenit will display which banknotes the ATM received and the total amount. If everything is correct, select the "Perform operation" key.
• At the end, you just need to confirm the actions and complete the process.

Money is credited instantly, the client receives an SMS notification to the phone number associated with the card. The delay is possible in case of technical problems in the terminal. This usually happens on holidays, when there is a lot of hype and, as a result, the servers cannot cope with a high number of requests. This is the minus.

Transfer to third parties

And what to do when you need not yourself, but someone else to put money on a Sberbank card? As in the above case, everything will be simple. Only the algorithm of actions will change a little:

• The card is inserted into the terminal. PIN code is entered.
• Now you need to find the money transfer function to the plastic card number, and then enter this sequence of characters.
• Insert funds into the ATM and confirm the transaction.
• Collect your card.

The same pluses: money comes immediately. The disadvantages may be that if the cards are issued by different branches, then a commission of 1% will be charged (but not less than 50 rubles).

How to put money on a Sberbank card through the cashier

It's even easier here. You just need to have a passport and the addressee's card number (or your own). Actions will be:

• Wait in line.
• Tell the employee the full name of the recipient, card or account number, andalso transfer the amount necessary for the transfer.
• Sign the documentation provided by the cashier.

The good thing is that there is no commission. But the negative is that funds can be transferred within a few days. Again, if the holidays, then the iteration is delayed.

However, this method is more reliable than a transfer to a Sberbank card through an ATM. Having put money through the device, you may not understand that an error has occurred somewhere. Then you have to suffer: to disturb the support service, find out information, find out where the finances went.

In the case of a cash register, it is enough to ask the operator a question about how soon the transfer will be made. Or contact him in case of any difficulties with the transaction.

Replenishment via payment terminal

You can often find them in 24-hour establishments: shops, nightclubs, parking lots and gas stations. The devices come from different companies: Qiwi, Eleksnet, Comepay, etc. Is it possible to put money on a Sberbank card using these terminals? You can, you just need to find the appropriate function for transferring funds.

The scheme is simple:

• The card is inserted, the pin code is entered.
• On the touch panel, select the button "Crediting funds to the account".
• Deposit the necessary funds through the drive. It is important to deposit bills one at a time, making sure that the amount is displayed on the screen.
• Select a command to confirm the payment and complete the action.
• Be sure to keep the receipt.

The advantages are that there are a lot of such devices, they are almost at every step, but the disadvantages are very significant. First, the transfer of funds is made within five days. Secondly, there may be a commission (depending on the company that supports the ATM). Thirdly, if funds are erroneously credited to the wrong card (for example, a mistake is made in one digit), it will be impossible to return them.

Also, these devices often do not issue checks, which is an obstacle when interacting with the support team.

Through another bank

Not the most suitable option, which is in many ways similar to the above. All the same is required as when contacting the cash desk of Sberbank. Enrollment usually takes place within 3-5 days (for more details, it is better to check directly with the employee), but the commission is different everywhere.

It is for this reason that a transfer through a branch of another bank is not very profitable. If we are talking about large amounts, then it can even be costly.

Via Russian Post

The most labor-intensive option, but it is sometimes resorted to if there is no other way out. A commission is taken for the transaction, and the term is from one week to ten days. Not very convenient for those who need to put money on a Sberbank card as quickly as possible.

To make a transaction in this way, you need:

• Find the nearest Russian Post office.
• Fill out the form provided by the employee.
• Show your passport and the amount fortranslation.
• Receive a document confirming the operation.

The positive aspects in this situation are indirect: you can always put money on the card at the Sberbank terminal, which are often located in the Russian Post building.

Via SMS command

There are also ways to conduct transactions through a mobile phone. To put money on a Sberbank card via SMS, you need to know the recipient's card or account number, and also have the Mobile Bank function connected.

If the specified information is available, then the actions can be as follows:

• When transferring by card number, send an SMS with the words: TRANSFER [X] [Y] [Z], where X is the last four digits of the sender's card, Y is the last four digits of the recipient's card, and Z is the amount to be sent.
• If the sender has only the recipient's number, the command will look like this: TRANSFER [recipient's number] [amount].

After sending such a message, a response request with a confirmation code will be sent to the short number 900, which should be addressed again to the number 900.

The amount will be debited from the sender's card and transferred to the recipient. Instructions on how to deposit money to a Sberbank card via SMS may change, therefore (in case of an unsuccessful attempt) it is recommended to contact the bank's support service for details.

Telephone top-up

There are times when money needs to be withdrawn from a phone number. For example, balancewas (accidentally or on purpose) replenished with a large amount, and this should be transferred to the card.

The service is provided only by the largest operators in Russia: MTS, Beeline and MegaFon.

Transfer is possible only through the site of the cellular service, respectively, and the commission (with other requirements) is different everywhere. On average, this is from 4 to 8% plus a fixed amount to be debited up to 260 rubles.

Figures are subject to change, as companies have the right to set the cost of services provided.

Electronic wallets

Another way to transfer funds is to use payment systems. The most popular are: "Yandex", QIWI and WebMoney. The transfer from these wallets imposes its limitations, but it is convenient, since you should not resort to using cash.

Everywhere there is a percentage, and the money does not come immediately, but after a few days. More details should be specified already in the "Personal Account" of the payment system used.

It cannot be said that this method is 100% convenient. Many sites that provide withdrawals to these systems usually do not work with more common withdrawal options - bank cards.

The disadvantages are that at first you have to wait a long time for a transaction to your wallet, lose money due to a commission, and then transfer it to a card (again with a commission). As a result, far from the whole "piece of the pie" comes to "plastic". And the negative accumulates.

Use casea plastic card issued by the same electronic wallet is also not very convenient: there are either very few ATMs capable of cashing out, or not at all. A narrowly focused application for the purpose of paying for purchases in a store makes it impossible to receive bonuses that an already "bored" card can give. For example, "Thank you from Sberbank" bonuses when paying with a card.

All of the above suggests that gradually people are moving away from using electronic wallets when it comes to large amounts. Usually they are used for small transactions like replenishing the balance of a mobile phone, paying utility bills or donating in online games.

But if it becomes necessary to put money both on a Sberbank card and on any other card, ATMs or cash desks are used. Still, a large commission scares people away from such a convenient service as electronic wallets.

Through Sberbank Online

The service greatly simplifies the life of those who want to transfer funds from one Sberbank card to another. To do this, you just need to enter your personal account (it doesn’t matter, through the official website or through the mobile application), select the “Money transfer” item and enter the card number. Then indicate the required amount and confirm the transaction.

If the recipient's bank card is linked to a phone number, the process is greatly simplified: just enter a phone number. And if the sender uses a mobile application, then you can even find a list of contacts and send money to one ortwo clicks. Again, provided that the recipient's card is linked to the phone.

Refill balance

Through the Sberbank Online service, you can not only transfer funds to a card, but also replenish your mobile phone account. Before putting money on a phone from a Sberbank card, you need to make sure that the required amount is on the account. You need to find a mobile payment point, select the required mobile operator and enter the number. Funds will arrive instantly, and the owner will receive a message about replenishment of the balance.

Another way to put money on your phone through a Sberbank card is to deposit money through an ATM. The terminal must have a mobile payment function. The steps are extremely simple:

• Insert card and enter pin code.
• Select the appropriate team.
• Enter the amount to transfer to the balance.
• Confirm transaction, collect your card.

Conclusion

Summarizing, it should be noted that putting money on a Sberbank card either through an ATM or in any other way is quite simple. You just need to choose the most convenient option and act.

In general, Sberbank Online is a very convenient application, because most people use it to carry out such operations. The service is multifunctional, through it you can pay taxes, fines, utility services, as well as an overhaul bill.

Relatively newly introduced featureReading a QR code has made life even easier. Now, to pay a bill (for example, for utilities), you need to scan the code by selecting the appropriate command in the application, and then check that the details that appear on the screen are filled in correctly. And then confirm the action. Everything is as simple as putting money on your phone from a Sberbank card.

This eliminates the need to stand in line for a long time (and even leave the house) to pay the bill.