How to cancel a payment at Sberbank: ways to return funds

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

Sberbank services are used by more than 70% of Russian citizens. A wide network of branches and ATMs, popular online banking allow Russians to make payments at a convenient time and with a minimum commission. At the initiative of the client, you can cancel the payment within 24 hours: Sberbank offers several options for refunds.

Pay online and at the bank office: what is the difference?

Before canceling a payment at Sberbank, the client must be aware of the differences in the options for making a transaction. Funds are transferred in several ways:

1. With a Sberbank plastic card (or in cash) at terminals and ATMs.
2. In your Sberbank Online account.
3. Cashless way (using the "Mobile Bank" service).
4. At the organization's office, through a bank operator.

The payer himself chooses which method is the most convenient for him. Between themselves, the options differ in the size of the commission and speedreceipt of funds to the account.

• When paying in Internet banking, the commission is from 0% to 1%, funds are received within 15 minutes.
• Commission in the terminal when using cash is from 0% to 2%, money is received within a day. When paying by card at an ATM, from 0% to 1.5% is charged, crediting - no more than 24 hours.
• Payment through a bank operator is possible both by card and in cash. The commission is from 0% to 3%. Funds are credited up to three business days.
• With the help of the SMS informing service, customers can transfer funds instantly by paying from 0% to 1% commission.

When can I cancel a payment?

Payment for services is considered completed when the client receives a check from the operator or sees the status "Executed" in Internet banking, terminals. When making SMS transfers, you receive a notification from the number "900" about the successful completion of the transaction.

The operation is canceled in the following cases:

1. If the error is related to the work of a bank employee. For example, when the full name of the payer or the details of the recipient are incorrectly indicated on the check.
2. When there was a technical failure. Sometimes banking programs "freeze", which increases the time for receipt of funds by 48 hours or more. If the money has not arrived at the account, the payer must file a claim with the company's office.
3. When changing the details of the recipient. Payment to a legal entity implies the transfer of funds byreceipt data. If the company changed the TIN or account number after sending the payment, the money will be returned to the client.
4. In case of refusal to complete the transaction. The reason may be a high commission percentage, an incorrectly indicated amount, a change in the conditions for sending funds. If the payer assumes that a refund will be required, it is recommended to clarify whether the payment can be canceled at Sberbank for the specified reason before the transaction is completed.
5. If the money was stolen as a result of fraud. Clicking on a malicious link with payment to an unknown mobile phone number or an involuntary transfer to Sberbank Online are the most common ways to steal funds.

Cancel payment in Sberbank Online

Even regular users of the Internet application are not always aware of how to cancel a payment in Sberbank.

Unlike transactions at the office of a financial institution, only the cardholder is responsible for making a payment in remote service channels. A refund is possible if the funds have not been credited to the recipient's account. This is evidenced by the status of the operation "Accepted for execution". It means that funds have been debited from the client's account, but the payment is being processed.

How to cancel a payment from a Sberbank card in your personal account in case of such a status:

1. Find in the upper right corner "Personal menu", click on the line "History of operations".
2. Among the list of operationsselect a payment with the status "Accepted for execution".
3. Transaction information will appear on the screen. Under the electronic seal, click on the active button "Cancel".
4. Make sure the status "Operation canceled" appears.

Rejection of an incomplete transaction is the only way to cancel a payment through a Sberbank card. If the funds were successfully transferred ("Executed" status), you need to contact the recipient of funds with a check and card details for a refund.

"Sberbank Business Online": is it possible to cancel the operation?

Solving the problem of how to cancel a payment in Sberbank Business Online is reminiscent of the return algorithm through a personal account for individuals. The difference lies in the naming of the operations.

In Sberbank Online, the client pays for services or transfers, and in the business version, a payment order is created to transfer funds. Cancellation is possible while the transaction is being processed: it is required to cancel the transaction before the "Executed" status appears.

Return is possible at the following stages of payment: "Created", "Imported", "Signed", "Delivered", "Accepted". It is impossible to cancel the order if the notification "Accepted by ABS" or "Unloaded" appears. When the client cancels the transfer, the status of the payment order will change to"Suspended".

Canceling a transaction in terminals

Most often, ATM users contact Sberbank with the problem of how to cancel a payment. Transactions in the round-the-clock payment acceptance zone account for more than 37% of all transactions in the country's largest bank.

When paying, customers do not always carefully check the details of the recipient. Often problems with refunds arise due to incorrect operation of the system: the ATM accepts money, but instead of a check on a successful operation, the client receives a document indicating a technical failure.

How to cancel a Sberbank payment made through a self-service device:

1. Save the check issued by the terminal. If it is not available, write down the ATM number, date, time of transaction and the exact amount.
2. Go to the nearest bank office. A technical failure is the most common reason for claims from payers at Sberbank ATMs.
3. Write an application with a request to return funds or credit them to the recipient's account. The administrator will register the customer's request. The term for resolving the issue can take from several hours to 30 days.

Refused payment at bank office

If the client incorrectly entered the details or made a mistake in the amount, the company's operators will tell you how to cancel the payment through Sberbank. For all transactions, the period of reversal (or cancellation) of the operation is set - from 15 minutes to 24 hours.

Utility payments, paymentstate duties and mandatory contributions (taxes) can be reversed within 15 minutes. Transfers to the account of a legal entity can be returned within 24 hours.

To cancel a transaction made at a bank office, the client must:

• Inform operator of cancellation conditions.
• Make sure the cancellation deadlines are met.
• Write an application addressed to the head of the branch with a request to return the funds. If the transaction was carried out using a bank card, you should provide it to a bank employee: funds will be returned to it within 1 hour.

After 24 hours from the moment of the transaction or if the transfer is successful, the reversal of the transaction is prohibited. If the client has not met the deadline for the return of funds, he must present a bank check to the recipient and write an application to cancel the payment at the company's office.

Can I return the transfer through the "Mobile Bank"?

Using the SMS-informing service implies an online operation. The payer is in full control of the transaction process.

If the client made a mistake in the personal account number, for example, when paying for the services of an Internet provider, the refund is made only through the provider. As confirmation, you should present an SMS from the number "900", which indicates that the transfer was successful. Additional documents upon return may be a bank statement certified by an employee (seal of the branch and signature of an authorized person), reflecting the debit transaction forplastic card for a specific date.

Fraud refund

If a Sberbank client has become a victim of swindlers, you need to contact the additional office of the company to write a claim.

Fraud can be different:

1. Debiting from the card account via "Sberbank Online" or "Mobile Bank".
2. Transfer to third parties.
3. Payment for services without the consent of the client. In 98% of cases, it is a transfer to the account of the mobile operator.

The bank returns the funds only if fraud is committed. If the owner voluntarily transferred the savings to scammers, for example, by providing passwords and SMS codes to Sberbank Online, the return is made only after an investigation by the executive authorities.

When debiting funds due to fraud, the cardholder must write an application to the bank, setting out in detail the conditions of the operation. After considering the claim (the period is no more than 30 days), Sberbank makes a decision on the return of funds. In case of refusal, for example, when the client himself makes a transaction, it is required to write a statement to the prosecutor's office about the fact of fraud, attaching documents confirming the withdrawal of funds.