How to put money on a card without a card: available ways to transfer money, instructions and recommendations

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

Bank card allows you to quickly and easily perform various payment transactions. With its help, they pay for goods, utilities, put money on a phone or account. Everyone knows how these operations are performed. But what if there is no “plastic”, but you need to replenish your account? There are many ways to put money on a card without a card. Each of them has its own characteristics and a certain procedure. The right one is selected depending on the situation.

Translation methods

With the advent of new devices or things, you need to have as much information as possible about their functionality and about what and how they can be replaced if necessary. To understand how to replenish the card, you just need to remember what it is tied to and with what (or whom) payment transactions are performed:

• Passport. When issuing a card, a prerequisite is the presentation of a passport for personal identification.
• Bank tellers. The client's agreement with the bank is drawn up and executed by the operator. He also explains how to use the card, where to go in case of questions.
• ATM. Almost any payment transaction can be performed using the terminal, and you can withdraw cash yourself only through it.
• World Wide Web. All banking transactions are carried out via the Internet.

Using any of the above items, you can replenish "plastic" without it.

How to put money on a Sberbank card without a card through a branch of a financial institution

Not so long ago, all payments, without exception, were made only with the help of a person. Even the payment for utilities, where the details are indicated in the form of multi-digit sets of numbers, was carried out by the operator of the financial institution.

Now there are automated payment systems everywhere, with the help of which people independently pay for goods and services, deposit and withdraw money. Such devices can be placed in bank branches. Near them there is always an employee who can be contacted for help if there are difficulties during the operation.

You can put money into an account without a card through the operator of the Sberbank office. True, for this you need a passport of a citizen of the Russian Federation and you will have to sit in line. The procedure for replenishing an account with the help of a Sberbank specialist:

1. At the entrance to the branch there is a machine that issues coupons. To receive it, press the button on the monitor with the name of the banking operation. In this case, it is “Working with cards”. On the checkthe number will be given as a combination of letters and numbers.
2. After the number indicated on the coupon lights up on the scoreboard located above the window with the bank employee, you need to approach him.
3. After presenting a passport, they state the essence of the issue and provide money.
4. After signing all the papers, the money is credited to the account.

Terminals and ATMs

The easiest way to replenish a card without one is to use an ATM. Unfortunately, not everything is so simple. To put money through an ATM without a card, you need to know by heart its digital code, which is located on the front side.

Some people take a photo of the code, which you can use if necessary. If it is possible to use an ATM of the bank that owns the card, then this must be done. If this is not possible, it is necessary to familiarize yourself with the conditions under which the operation will be carried out. If the ATM charges a large fee, then you should consider changing the method of replenishing the card.

You also need to make sure that the terminal accepts money and is equipped with a bill acceptor. If everything suits and it is firmly decided that the card will be replenished using an ATM, for this you must perform the following steps:

1. Find the “Main Menu” button on the TFT monitor, press it.
2. A large selection of different operations will appear on the screen. You should find either "Payments" or "Transfer of Funds".
3. After clicking on the button, an offer will appearenter card number.
4. After entering the digital code, press "Next".
5. The screen will show "Insert banknotes".
6. After depositing money, you must pick up the check and keep it until the funds are credited to the card.

This method allows you to replenish your account at any time of the day.

How can I put money on a card without a card through the phone

It should be noted right away that this method is not cheap and laborious. The commission for Mobile Banking services varies from 4 to 8% for different mobile operators. Plus, it comes with a fixed amount of 10 to 259 rubles.

In order to transfer money from a phone account, you must first replenish it. In the absence of ATMs, money can be deposited through the Svyaznoy and Euroset communication salons. If you have access to the Internet, they go to the personal account of their mobile operator. They transfer money from phone to card using the "Transfer funds" or "Mobile Bank" option. If there is no Internet, money can be credited via SMS.

Use a few more ways:

• "Megaphone". You can put money without a card on "plastic" by sending a message to 3116. In the text field you need to enter CARD xxxx 12 21 2000, where xxxx is the card number, 12 21 is the card expiration date, and 2000 is the transfer amount.
• "Beeline". Send SMS to number 7878 with a text message: VISA xxxx 2000, where VISA is the payment system indicated on the card, xxxx is the card number, 2000 is the amountpayment.

Sberbank-online

Sberbank, perhaps, was the only bank that for a very long time did not allow customers to carry out payment transactions on their own online. But a miracle happened, and now every client can use the Sberbank-online application after installing it on their gadget (smartphone, tablet).

The application allows you to perform a variety of payment transactions, including the transfer of funds. Even those who have never encountered how to put money on a Sberbank card without a card will cope with this task without difficulty. To do this, do the following:

1. First of all, log in to your account.
2. Going to the "Payments and transfers" section, activate the link "Transfer to a Sberbank client".
3. Fill in the "Card number" and "Amount" fields.
4. The transaction is confirmed with a password sent via SMS.

Please note that if the card is topped up for a recipient from another region, a fee of 1% of the transfer amount will be charged.

Mobile banking

The main convenience of the method is that it does not require access to the Internet, payment machines or other additional conditions. All you need is a phone number linked to your account.

Instructions on how to transfer money without a card using the "Mobile Bank":

1. SMS is sent via phone to the short number 900 (the number is the same for all telecom operators). Message text: "TRANSLATION XXXX YYYY 1000", where XXXX is the last four digits of the digitalsender's card code, YYYY are the last four digits of the recipient's card number, and 1000 is the transfer amount.
2. After the message is sent, you need to wait for a response with confirmation that the money has been delivered to the addressee. It is better to save it until personal confirmation of receipt of funds.

Electronic payment systems

There are a lot of payment systems - both Russian and foreign. The legislation does not prohibit using the systems of other countries, but for convenience and lower commission costs, it is better to use domestic ones. Knowing how to put money on a card without a card using electronic payments, you can make payments not only between individuals, but also between financial and business organizations.

Such systems have a significant drawback - large commissions. Also, some payments can go up to three days (72 hours). Another disadvantage is that in case of failures, the money will be returned, and the commission may be left.

Yandex. Money

According to some reports, the operator "Yandex. Money" occupies about 80% of the Russian market of electronic payments. Both Russian and foreign participants can deposit money on a card without a card using this operator only in rubles.

At the end of 2012, Sberbank of Russia acquired a 75% stake in Yandex. Money LLC. This helps to reduce the commission when making payment transactions between financial institutions. To replenish the card through the online payment service, you must donext steps:

1. Find the "Money transfers" section and enter it.
2. In the column "Where" put a tick in front of the "Bank card".
3. Enter the required amount in the column with the same name. Below the final figure will light up, taking into account the commission. If the amount does not suit you, then you do not need to click "Continue". If everything suits, continue after pressing the button.
4. Enter all the necessary details in the appropriate fields.
5. A letter confirming the operation is sent to your email immediately.

Money will be sent to Tinkoff and Alfa-Bank cards within 24 hours. For all other banks - about 1-3 days.

WebMoney

This electronic payment system is the second in terms of currency turnover after Yandex. Money. It is not difficult to figure out how to put money to a Sberbank client without a card through WebMoney. The algorithm of actions is almost the same as on other services.

Commission will be 2.5% of the transfer amount + 45 rubles + insurance fee. The latter is returned if the transfer is confirmed within 2 days (an appropriate notification with instructions will be sent about this).

If you carefully read the conditions for withdrawing funds, it says that you can pay only 2% for a transfer to a card without other additional fees. To do this, you must specify not the digital code located on the front side of the card, but its current account. True, the money will be received not in a day, but within three days.

The only problem you canencounter: WebMoney does not work with the social card of Sberbank. By the way, this is not the only organization that does not work with the Maestro payment system.

Third party banks

All banks represent a single payment network. You can put money on Sberbank. without a card, both in the bank in which the "plastic" was issued, and in any other. The procedure is simple, but requires a lot of additional time and money:

• You can top up the card at any bank with the help of an operator of the "Working with cards" department.
• The employee is presented with a passport and card details or only its number. If at least one digit does not match, the money will go to someone else's account. You can return them back only by court order.
• The operator is given the necessary amount, taking into account the commission.
• After signing the papers, keep one copy for yourself.

When replenishing the card through a third-party bank, the money will be received in 10 business days.

How to replenish the card account through mobile stores

Now all mobile operators offer to purchase a payment card from them. In terms of functionality, it is no different from banking. The only thing is that there is no cashback and interest on the balance, as well as significantly fewer places where you can get discounts when using it. Is it possible to deposit money without a bank card, but with the "plastic" of a mobile operator? Yes, you can, and in different ways:

• In the communication salon, providing the operator with a passport and a card "MTS", "Megaphone" or any other.
• Through personalsubscriber's office.
• Payment terminals.

Some banks, such as Tinkoff, have concluded an agreement with telecom operators and retail chains Euroset and Svyaznoy. For bank customers, this makes it possible to replenish the card without it. An employee of a salon or a network needs to present a passport, a contract number (there are 2 times fewer numbers, you can memorize it by heart) and the actual cash.

How to top up the card through Russian Post offices

"Post of Russia" is one of the organizations to which there are many complaints. But she doesn't care because she's a state-backed monopolist. She can afford to lower prices for a number of important services, because she is on state support, even if not completely. This is a good reason to use the mail service.

The question of how to put money on a card without a card in the mail is primarily of interest to the older generation. They are used to the fact that the organization works properly, albeit for a long time. For the younger generation, this method of replenishing the card is suitable as a last resort:

• At any branch they take a special form for transfers and fill it out on their own. It is important to do this in clear handwriting and without errors.
• The required amount is transferred to the teller. After that, you will need to pay a commission. For different banks, it is different - from 1.5 to 3%, except for Tinkoff, transfers to the card of this bank via mail within one and a half million are free.
• Money will arrive within 7working days.

Conclusion

As you can see, there are many ways to replenish the card without it. It will take time, skill, additional financial costs. Of course, it is necessary to know such things, but it is better to keep a card with you.