How to put money on the card? Simple Ways

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

Bank cards today are no longer a forced necessity, but an indispensable tool of the country's payment system. Cashless payments are gradually taking a leading position, allowing citizens not only to pay for purchased goods and services, but also to make mandatory payments, settlements with partners and other cash transactions. Therefore, the question of how to put money on the card is becoming more and more relevant.

The main types of bank cards used by most Russian citizens are debit and credit plastic cards. The need to replenish from time to time arises in relation to both accounts.

To replenish the card in cash or electronic money, just choose one of the most convenient methods for you.

Let's consider ways to replenish a plastic card in cash.

Option one. Balance replenishmentat a bank branch in cash

This is the easiest way to put money on the card. To replenish the account of a plastic payment instrument, you must visit the branch of the bank in which it is issued.

If you have the card in your hands, it is enough to present it to the teller, announce the type of operation you want to make, deposit cash at the cash desk and receive a confirmation of the payment document. You are only required to enter a PIN code, all other actions for crediting funds are carried out directly by an employee of a credit institution.

If there is no card in hand, the process is somewhat more complicated. You will be required to know certain information about the account to which you plan to deposit money. So, a bank employee may request the following information:

• plastic card number;
• owner's first and last name;
• account number for crediting funds;
• card validity period;
• three-digit CVV2 code (the code number is located on the back of the plastic card).

This list contains a mandatory list of bank card details. However, in order to credit cash to the account, it is usually enough to name the card number and present an identity document of the account holder.

More complete information about the owner of the plastic card and its details will be required if you need to transfer funds to another person's card.

Second option. Replenishment of the card in cash through an ATM

ForTo complete a card top-up operation, access to an ATM with cash-in support is required. Such models of ATMs involve a certain set of functions, including depositing cash into the customer's account. In addition to openings for a card, issuance of money and a payment document (check), such ATMs have a separate bill acceptor for withdrawing money.

To put money on a card through a Sberbank ATM, just insert a payment instrument and enter a PIN code. All subsequent actions are carried out using the touch screen. The main thing is to correctly select the name of the desired operation and follow the menu prompts. Specify the amount to be credited and deposit cash through the bill acceptor. Different ATMs accept cash in different ways: one bill at a time or several bills at once. Next, you need to confirm the operation and receive a check in your hands.

In addition, through any ATM you can put money on your phone from the card. All operations are performed through the prompts of the electronic menu of the terminal.

What are the ways to replenish by bank transfer?

Cashless replenishment - the first option. Online transfer

A convenient way if you need to put money on the card of a relative or friend. To replenish the balance, it is enough to use the personal online account of the credit institution. Currently, this opportunity is available to clients not only of Sberbank, but also of other credit institutions. To register in the Internet banking serviceyou must be a client of the bank, as well as link your account to a mobile phone number at a branch of a credit institution.

All transactions, including those related to replenishment of a bank card account, are carried out online within a few minutes. As a rule, the Internet banking service has a convenient navigation menu that allows you to easily and quickly complete the necessary operation without outside help, including transferring part of your funds to the accounts of other persons.

To deposit money via a card, select the payments and transfers section, specify the account to be replenished and the amount to be transferred.

If funds need to be deposited into another person's account, you will be required to provide cardholder information and card number. Previously, such non-cash transactions could be made directly at a bank branch. Today, you can transfer money to the account of a Sberbank client using the phone number to which the payment instrument is linked.

Pay attention! The bank charges a fee for transferring funds to someone else's account.

Second non-cash replenishment option: via mobile bank

A current way to put money on another user's Sberbank card. Replenishment is carried out using the Mobile Bank application. To connect the service, you must contact the branch of the credit institution with a passport and fill out an application. Moreover, at the same time it is allowed to link several mobile numbers to a bank card account. Apart frompersonal appeal to a bank branch, you can bind a card to a phone number through bank terminals or by contacting the contact center of a credit institution.

It is possible to manage account transactions with this method by simply dialing SMS to the short number of a credit institution. In terms of the amount of transfer, a certain limit is set, which is allowed for a one-time money transfer.

In addition, you can transfer money from your mobile phone account to a bank card using the services of your personal account on the website of your operator. This service is provided for a certain commission.

Third option. Replenishment of card balance via electronic payment systems

Electronic payment systems are represented by a variety of Internet sites that allow you to make transactions to transfer funds to the bank card of the owner of an electronic wallet, to pay for goods and services purchased on the Internet, replenish accounts of mobile devices and other types of payments.

The most popular of them are Yandex. Money, WebMoney and Qiwi Wallet. Such services provide the ability to link a bank card to a wallet account, which greatly simplifies the process of transferring funds.

How to put money on a Sberbank card through Yandex. Money, WebMoney or Qiwi?

To complete a transaction, you must enter your personal account in the payment system, select the desired action in the menu (usually this is a function"Transfers"), if necessary, enter the details of the payment instrument (if it is not linked to the account), specify the amount and confirm the operation by entering the code from the SMS message. An electronic receipt will be sent to your email address or mobile device.

Cons of replenishment through electronic wallets

Firstly, the transfer may take longer than other deposit options.

Secondly, electronic payment systems set a cash limit for a one-time transfer.

Third, there is a fee for transferring funds.

Conclusion

This overview of how to put money on the card is for informational purposes only. Which method you prefer is up to you. Depending on the circumstances and the tools at your disposal, you can use any option to replenish your bank card account.