How to send money to an account. How to transfer money between current accounts. Via mobile app

A current account is an independent bank account that serves to receive and store money, both individuals and legal entities... Unlike plastic cards with 16 or 18-digit numbers, the account consists of 20 digits stored in the financial documentation. At this settlement details you can make transfers not only in domestic, but also in foreign currencies (dollars, euros).

If you are a holder of a plastic card, then sooner or later you will be faced with the question: "How to transfer funds to a current account, for example, of an organization for a service provided or a purchased product." There is nothing difficult in this operation, and this article will help you deal with this issue.

And if you need to perform a standard money transfer from a Sberbank card to a Sberbank card instructions

Step-by-step instructions for an ATM transfer

Transfer money from a Sberbank card to a Sberbank account today it is possible in several ways: through the department financial company, using your personal online office or through a self-service ATM.

If you are more comfortable using the latter option, then follow the next step-by-step instructions:

• Before going to the ATM, prepare your card and also write down the recipient's account number.
• Go to the terminal and insert your plastic into the special slot for accepting cards.
• Enter the PIN code of the banking product.
• From the menu on the screen, select the option named "Cash Transfers".
• Following the prompts of the system, dial the 20-digit number of the addressee's current account.
• Enter the amount of the shipment and click "Transfer".
• Confirm the operation again and receive a receipt.

Do not forget that this transaction involves the accrual of an additional commission for the service, which on average ranges from 1% to 1.5% of the size of the shipment.

Transfer via the Internet (Sberbank Online)

A convenient way to make a transfer to a current account from your card is to transfer via the Internet, namely using Sberbank Online. In this case, the replenishment of the savings account occurs in accordance with the following instructions:

• Open the main page of the sberbank.ru website in your browser.
• Go through the authorization procedure in the Sberbank Online system.
• Proceed to the section "Payments and shipments".
• Then click on the item "Transfer to the client of Sberbank by details".
• Carefully fill out the proposed form, marking in the first column "To an account with Sberbank"
• Click "List".
• Confirm the transaction with the code received via SMS on your mobile phone.

You can transfer money from card to account through Sberbank Online not only in rubles, but also in foreign currency... In this case, the size of the commission will be slightly different: for ruble items - 1.5% of the amount of the item, for currency items - 0.7%.

How to transfer money from a Sberbank card to the current account of another bank?

If you are faced with the task of transferring funds from a Sberbank card to the current account of another financial institution, then it can be solved in two ways:

• Make a transfer in one of the branches of the banking company.
• Transfer money to the organization's account using the online Sberbank remote service system.

Instructions for transferring through a bank branch

In order to make a transfer in the first way, go to the nearest branch of Sberbank of Russia, having previously clarified its operating mode. Take the following documents with you:

• passport of a citizen of the Russian Federation;
• details of the addressee to whom the funds will be forwarded - twenty-digit account number, name and BIC of the financial organization;
• his plastic card, on which there is enough finance to carry out the transfer in the required volume.

At the bank branch, show the employee your document, plastic and provide the recipient's details. Wait from the operator for a receipt of the transaction.

Transferring money to the account of another bank through a branch has one important advantage - there is no limit on the amount in rubles, that is, you can send as much as is on the card or in cash.

Sending via Sberbank Online

If it is more convenient for you to send funds without leaving your home, via the Internet, then use the second method and transfer cash from the card to the recipient's account through Sberbank Online.

This operation consists of the following steps:

1.Open the official website of your bank and log in to personal accountby entering your username and password.

2. Go to the section "Payments and transfers", in which select "Sending cash".

3. Click on the “Addressee's account” option and select the sub-item “To an account with another bank”.

4. Correctly fill in the form that appears on the screen, indicating the following information:

• recipient's bank details;
• personal data of the counterparty (full name or name of the organization);
• tax number of the addressee;
• the address of his actual residence;
• information about the recipient's banking institution (company name, BIK, Correspondent account);
• in the field "Account for debiting" write the details of your plastic;
• indicate the amount to be transferred and the purpose of the shipment.

5. Once again check the correctness of the data entered in the form and click "List".

Confirm the transaction with the password that you will receive on your mobile device via SMS notification.

The advantage of this option for transferring finance from a card to an account of another banking structure is the promptness of the transaction, since the counterparty will receive the transferred funds within 24 hours.

Read how to transfer money from a Sberbank card to a card of another bank

You don’t know how to transfer money from one account to another in the Sberbank Online online banking system? In our review you will find detailed instructions on how to perform this operation.

How can money be sent?

Many of us are faced with the need to make various payments almost every day. This can be payment for purchases in a store or services in various companies, making a monthly payment for utility services or using a loan, paying for mobile communications, transferring money to friends and relatives to their personal account, etc.

Sberbank offers its clients several ways by which they can make their payments:

1. by phone number (if it is linked to the recipient's card),
2. by card number,
3. by account number.

Please note that the last two methods involve using completely different requisites. What is the difference:

• The card number is the longest numerical sequence, which is indicated on the front of the plastic bank card... Most often it consists of 14, 16 or 17 digits.
• Account number - these are the details that are indicated in the bank agreement (for example, when receiving a loan). It is always 20 digits long.

If you need to make a payment using this method, you need to first ask the recipient for his account number, preferably in writing to eliminate an error.

Step-by-step instruction

First, you need to register in the "Sberbank Online" system in order to start using this service. To do this, you can use the nearest ATM of the company, and if you have activated the service " Mobile bank», Then registration takes place on the official website of the bank. detailed instructions given.

After you have received your login and password, as well as all the details of the recipient you need, you should proceed directly to the transfer procedure. Everything happens according to the standard scheme:

• Go to the bank's website, in the upper right corner click on the button "Sberbank Online. Entrance";
• Go through authorization in your Personal Account;
• Select the section "Transfers and Payments";
• Next, you need to select a recipient.

1. If the transfer is between your accounts, select "Transfer between your accounts and cards",
2. If it is intended for another client of the same bank, then you need the link "Transfer to Sberbank client".
3. If the recipient has an account with another company, then select "Transfer to a private person to another bank by details",
4. If the recipient is a legal entity, then click on "Organization transfer";

• After that, you select the account for debiting, enter, indicate the transfer amount and confirm it via SMS or through a one-time password from the check.

Nuances

Please note that the transfer of funds to other people's accounts (to another individual, organization) is possible only from a debit bank card. If you want to transfer money between your accounts, then both a card and a savings account (a deposit with the possibility of spending funds) can be used for these purposes.

We are often asked - is it possible to pay with a credit card? We answer: unfortunately, no. The credit card is intended solely for non-cash payments for goods and services in retail and online stores; a transfer from it cannot be sent through Sberbank services.

As for commissions:

• In the event that the transfer of money is made between the accounts of the same person, then the commission is not charged,
• If both accounts are opened in the same region, then there will be no commission,
• If you are sending money to another region natural person, to another bank or to a third-party organization, then you will have to pay a fee at the rates of Sberbank. It varies from 1 to 2% of the transfer amount.

As you can see, there is nothing difficult in transferring money from account to account in the Sberbank Online system, the main thing is to correctly indicate all the data of the recipient. If you have any difficulties, you can always get advice on the bank's toll-free hotline: 8-800-555-55-50.

How to transfer money from a Sberbank card to another bank account is a fairly common question, and in this article we will try to figure out what methods and tariffs are offered by one of the banks most demanded by Russians.

Service parameters

You can make a transaction not only in national currency, but also in US dollars and euros. The time it takes for the money to arrive at the counterparty's bank does not exceed 2 working days. There is no possibility of canceling the transaction, so you need to be extremely careful when doing the operation.

Enumeration methods

Transferring money from a Sberbank account to another bank account can be done in two ways:

• At a branch of a financial institution.
• Using a remote service system.

Billing

Sberbank's tariff for transferring money within Russia from account to account differs depending on the method of the transaction chosen by the client.

When transferring national currency, a 2% commission is charged from the client: at least 50 rubles, maximum 1500 rubles.

The transfer via the Internet banking system is more profitable, since when using it, the client will pay 1% of the transaction amount: maximum 1000 rubles.

The same is with operations in foreign currency. When making a transaction to another bank, the client will have to deposit 1% of the transaction amount: minimum 15, maximum 200 US dollars. The Sberbank Online system will make it possible to save a little, since 0.5% will be written off - a maximum of $ 150.

Transfer at a bank branch

To make a transaction from your own to an account opened with another financial institution. must be submitted to the bank branch:

• identity document (RF passport);
• the recipient's details, namely: number, name, etc.

All this information must be reported to the manager so that he, on the basis of it, prepares documents for the operation. Then it is necessary to enter the amount of funds to be transferred to the cashier of the branch, taking into account the commission.

The advantage of making a transfer at a branch is that there are no restrictions on the amount of the transaction in rubles.

Transfer using internet banking

To carry out the operation through the remote service system, you will need:

• Full name of the counterparty;
• the name and BIC of the financial institution where the counterparty is served.

To complete the operation, you need to go to your personal account in the Sberbank Online system by entering your username and password.

In the section "Payments and transfers" select the item "Transfer to a private person to another bank".

Then “Transfer to a private person”.

After that, in the “Beneficiary's account” field, select the required option from the drop-down list - “To an account with another bank”.

A form for filling out will appear on the screen. You will need to specify in the appropriate fields:

• Full name of the counterparty;
• tax number of the recipient of the money;
• the address of the actual residence of the counterparty;
• information on the beneficiary's bank can be filled in using the built-in directory. This will allow such fields as "bank name", "BIK", "Correspondent" to be filled in automatically;
• in the field "Account for debiting" you need to specify the details from where the money will be debited;
• transaction amount;
• purpose of payment.

Sometimes situations arise when you need to transfer your own funds from one current account of the organization to another. In this article, we will look at how to correctly reflect such operations in the 1C: Enterprise Accounting 8 edition 3.0 program, on what settings accounting policies it is necessary to pay attention, and in what cases it is necessary to use account 57 "Transfers in transit".

In our example, the organization LLC "Confetprom" transfers its own funds in the amount of 20,000 rubles from one of its current account to another.

First, I would like to say a few words about the accounting policy settings. Currently, the program has the ability to select the option of accounting for movement money: using account 57 “Transfers in transit” or without using this account. If, as a rule, funds are transferred between your accounts within one day, then in the accounting policy settings you can specify that account 57 is not used. If transfers are usually carried out for two days or more, then it is necessary to generate transactions using this account.
Let's first consider the first option, when funds are transferred on a day to day basis. Go to the form for setting up an accounting policy, for this open the tab "Main", "Settings", "Accounting policy".

Uncheck the box "Account 57" Transfers in transit is used "when transferring funds.

The transactions for the transfer of funds are formed by the document "Write-off from the current account". Open the tab "Bank and Cashier", " Bank statements", By the button" Write-off "create a document and fill in the following fields:
- type of operation "Transfer to another account"
- date
- amount money transfer
- the beneficiary's account to which the funds are transferred
- debit account 51 will be filled in automatically

- purpose of payment
- the bank account from which the funds will be debited

To check, we will form a SALT on account 51 and see the movement of funds. Open the tab "Reports", "Turnover balance sheet" and select the period

Now let's consider the second option, when the transfer of funds takes more than one day, in this case we will use account 57. Open the accounting policy settings and now select the checkbox in the field “Account 57 is used“ Transfers in transit ”when transferring funds.

Just as in the first case, we use the document "Write-off from the current account", which is filled in in the same way. The only difference is that in in this case there is no need to select a debit account (account 57 will be used), so this field is not on the form.

We carry out and watch the wiring

After the money has been transferred, you need to credit it to your current account. To do this, we will create a document “Receipt to the current account”. Open the tab "Bank and cashier", "Bank", "Bank statements" and by the button "Receipt" create new document and fill in the empty fields:
- type of operation "Transfer from another account"
- the date when the funds were credited
- amount
- payer's account - the account from which the funds were transferred
- bank account - the account to which the funds were received
- cash flow item "Transfers between bank accounts"
- purpose of payment

We post the document and look at the transactions

We will generate balance sheets and see the movement of funds. Open the "Reports" tab, "Account balance sheet", select the period, account 57.01 and click the "Generate" button

Now we will form the SALT on account 51

According to these reports, it can be seen that the funds were debited from one account on September 4, and the other was received only the next day - September 5. The turnovers on debit and credit of account 57 coincide, there is no balance at the end of the period, since the transfer of funds is currently completed.