Sberbank commission for cash withdrawal and other operating services

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

Every day people are faced with the need to use bank cards. With their help, goods are paid for and transfers are made. But many people know firsthand that each bank has commission fees for all services provided, up to cash withdrawals. Consider what is the commission of Sberbank for all services provided.

What is the fee charged for

Why they charge a fee for transferring money from Sberbank cards to cards of other banks is understandable. At least everyone is used to this and understands that banks should receive their interest.

But many are perplexed by the fact that interest is charged for cash withdrawals through ATMs. Let's look at this situation from the other side. In order for a financial institution to be provided with funds, it is necessary to apply not only the physical costs of those who work in the bank, but also material ones. Cash withdrawal percentage usually includes:

• Purchasing cash in the interbank market.
• Payment for collection services.
• Rent for the ATM space.
• Pay for light.
• Purchasing supplies.
• Paying salaries to service personnel.

On what depends

Usually, Sberbank's commission for using money (withdrawal or transfer) depends on the class of issued cards. They can be debit or credit.

When servicing debit cards, the bank does not charge interest, that is, if a person withdraws money from a Sberbank card at an ATM of this bank, then the commission is not charged. But this rule does not apply to debit cards that are used outside the region of their opening: Maestro, Visa Electron with the Momentum Visa Electron service package, Maestro with the Transport package. For them, the commission for cash withdrawal will be about 1% of the amount.

Do not forget about such a thing as a daily limit for transferring or withdrawing funds. If a Sberbank client exceeds the set limit (usually it is no more than 500 thousand rubles per day), then he will be forced to pay 0.5% of the amount for further money transactions.

As for credit cards, the percentage for withdrawal is purely individual. But in general, the size of the commission can reach up to 3% of the amount, but not less than 199 rubles. Therefore, it is unprofitable to withdraw small amounts from credit cards, however, as well as large ones.

Remittances

You can transfer money in different ways:

• From card to cardSberbank.
• From Sberbank cards to cards of other banks.
• From card to current account.

Money can be transferred from a card to a Sberbank card either through an ATM or through a personal account in Sberbank-Online. In order to carry out this operation, it is enough to know the opponent's card number or his phone number, which will be linked to this card. There is no fee for money transfers between cardholders of the same bank.

If money needs to be transferred from a Sberbank card to a card of another bank, then the first one takes a commission of 1.5% of the amount, but not less than 30 rubles. This transfer can also be made in the ways indicated above.

For bank card holders, the option of transferring funds from the card to the settlement account of both their own bank and a third-party bank is available.

When transferring from a Sberbank card to an account opened with the same bank, no commission is charged. This is provided that both the card and the account are opened in the same region and transfer operations are carried out within this region. If the current account is opened in another region, then the transfer fee will be from 1% to 1.5%, but not less than 30 rubles. and no more than 1 thousand rubles. It is possible to carry out monetary transactions in foreign currency. At the same time, the Sberbank commission ranges from 0.5% to 0.7%, but not more than $100.

It is also possible to transfer from the card to the current account of another bank. Here the commission fee is 1-2% of the amount, but not more than 1500 rubles. If the transfer is made in foreign currency, the bank will take up to 1% for the transfer. The maximum commission in this case is $200.

Cannot cancel transactions. Therefore, when transferring large amounts, you need to be as careful as possible. In case of incorrectly specified details, the issue will have to be resolved with the recipient of the money and rely only on his honesty.

Cash withdrawal

It is not forbidden to withdraw cash from either debit cards or credit cards. Another question is how much Sberbank can take for such operations? Bank commissions will vary depending on the class of cards and which ATM the cash is withdrawn from.

Of course, the organization does not charge anything for servicing its debit cards. You can get cash without withdrawing interest, but not more than 50 thousand rubles at a time. If you need to withdraw funds from a credit card, then you need to prepare to give the bank a commission of up to 3% of the amount, but not less than 390 rubles. Moreover, if you try to withdraw cash from a Sberbank credit card at the terminal of another bank, the fee will be up to 4% of the desired amount. Moreover, two banks can take a commission at once, respectively, and the costs will increase.

Services for transferring money

Sberbank itself limits the transfer between its own accounts. For example, you cannot transfer money from your credit card to your own debit card. And even more so on someone else's.

Here, various payment systems come to the rescue, which allow you to transfer money anywhere and to any resources.

The most famous are:

• "Qiwi" wallet. Translationmoney will cost 2% of the amount in Russia, and plus the service will take its 50 rubles, you will have to pay 2% + 100 rubles for transfers to other countries.
• "Yandex. Money". For any transfer, you will need to pay 3% of the amount and 45 rubles to the service.
• "WebMoney". This system will take its 40 rubles for the service and you will have to pay 2.5% of the amount.

Transfer via Sberbank-Online

This option is available to all holders of Sberbank debit and credit cards. To transfer, you need:

1. Go to your personal account.
2. Select the "Payments and transfers" section.
3. Select the required operation, that is, to whom the funds will be transferred: to a client of Sberbank or a client of another bank.
4. Indicate the recipient's card number or phone number (if the card is linked to the number).

Sberbank commission from card to card of the same bank or for transfers between your accounts is not charged. For a transfer to a client of another bank, interest is charged according to the tariff.

Transfer via phone

This method is available only to Sberbank cardholders. In other words, money cannot be transferred to a client of another bank.

The algorithm is as follows:

1. You need to send an SMS to number 900 with the text "Transfer 947 650", where 947 is the recipient's phone number, and 650 is the amount to be received.
2. In response SMS, the code and data of the recipient are received. They need to be verified and only after that send a message withcode. After sending, the money will be debited from the card in favor of the recipient.

Sberbank commission is not charged for these actions.

You need to pay attention to the fact that transfer limits are set for such an operation: no more than 10 transactions per day and no more than 8,000 rubles.