Automatic transfer of money from card to card. Service cost and commission. Limit and conditions of the bank

For a long time, Sberbank has been providing its users with such a service as Auto Payment. Through this function, each client of a financial institution can either make auto-replenishment settings mobile phone. However, Sberbank is constantly expanding its functionality, which also affected automatic payments. An innovation was a new opportunity - Sberbank Autotransfer, which significantly saves customers time.

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So, Sberbank Autotransfer, what is it and how can it be used? This service is designed and technically implemented in order to simplify and speed up the process of sending scheduled transfers to individuals. How it works? Simple enough. The client can set up a new auto payment both between any number of his cards, and between cards and accounts / cards of other people. With the help of automatic transfer from Sberbank, you can:

Set up settings for regularly sending funds to friends or relatives;
Pay at specified intervals for rental housing in accordance with the contract;
Set up periodic deductions from your salary card to another person's card/account;
Regularly repay your loan debt, for which you just need to set up automatic deductions from your salary / payment card to a credit card.

Regular auto payment service works according to the following algorithm:

The client draws up a template, where he indicates the relevant details - cards and other data of the future payment;
A day before the auto-debit, the user receives an SMS about the upcoming transfer;
If the client, after receiving the notification, does not manually cancel the payment by sending SMS, the transfer is made in a day;
After the transfer, the user receives an SMS report on the successful completion of the operation.

Attention! If the card selected when creating the template does not have the required amount, the transfer cannot be made. The client will be notified about this by SMS of the appropriate content.

How to connect Autotransfer from Sberbank

To connect Autotransfer to Sberbank Online, you do not need any special knowledge or skills. Connecting and setting up the service is performed similarly to automatic payment. To do this, you need to draw up a template once, configure it accordingly, and in the future be completely sure that the translation will be done on time. All that is needed is to control the balance of the card, which should contain the required amount.

To activate the service, you need to do the following:

Important! When the recipient of the transfer is another person, you must enter their payment details. But Sberbank provides for the identification of customers by phone numbers linked to cards. And if you do not know the details of the recipient, you only need to indicate his phone number.

How to disable Autotransfer from Sberbank

Deactivation of the online service in order to cancel the Automatic Money Transfer is carried out in the personal account. To disable Auto Transfer from card to Sberbank card, you should:

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Go to the "Auto payments" section;
Open the "My Templates" tab and select the desired template,
Click on the “Disable” button on it (the operation must be confirmed via SMS with the disable code).

Often, customers make a significant mistake when disabling a service. They do not turn off the template completely. Therefore, we draw your attention to the fact that in Sberbank, sending an SMS with the refusal of an upcoming transfer leads to the cancellation of only the current transaction. At the same time, the template itself remains active and its settings are saved. If you want to abandon a template you no longer need, you must deactivate it according to the above instructions, or delete it completely. Complete removal of the template is done by clicking on the appropriate button.

Important! A template is not deleted after deactivation and can be reactivated at any time if necessary.

Service cost and commission

If an automatic transfer is made from one client card to another, no commission is charged. However, this is valid only for those Sberbank cards that were issued by the same territorial banking unit. In other cases, the bank withholds commissions, the amount of which does not exceed 1% of the transfer amount. As for transfers to other people and to another region, they are always charged a commission (no more than 1% of the amount of the transfer).

All transfers are carried out almost instantly, which is very convenient. In general, the service has a number of undoubted advantages, which are expressed in small commission fees, speed of transactions, and ease of setting up templates. But most importantly, you do not have to think about remembering to make an important payment on time.

Sberbank customers are already accustomed to paying for utility bills or replenishing their mobile phone account using automatic payments. In an effort to make servicing people more comfortable, the first bank in the country offers users to make regular money transfers without leaving their homes. We are talking about the Auto Transfer service, thanks to which the planned transfer of money is carried out automatically at predetermined intervals. Let's find out how this program works, as well as how to enable and disable it.

Sberbank's policy is simple - for fruitful cooperation, the client's time must be saved. The same goal is pursued by the Autotransfer service, and now scheduled transfers are carried out without your direct participation in the operation.

Auto transfer service from a Sberbank card: in what cases is it useful

Connect, and the easy-to-use online service from Sberbank will take care of some of the financial worries. In automatic mode, the following online operations are available to you:

regular automatic transfers from one Sberbank card to another. Providing financial support to children and parents is now much easier and faster;
systematic transfers from a salary card to a savings account. This operation can also be implemented through the Piggy Bank service from Sberbank, which in essence should be considered as an automatic transfer option;
reimbursement of loans, mortgages, debts credit cards— just make a transfer of funds to the destination after debiting from the card or current account;
online transfer of money to the account of another financial institution;
regular payment for housing rent, mobile communications and Internet services.

How Autotransfer from Sberbank works for those who have connected

The Auto Transfer service in the Sberbank Online system is performed according to the following algorithm:

the service works on the basis of a template — a sample set by the client for conducting an online financial transaction with key details for making a payment;
a day before the completion of this operation, an SMS message arrives with a reminder of the upcoming transfer;
The automatic transfer will take place exactly in 1 day, and the money from the Sberbank card will go to another Sberbank card, to the current account of a legal organization or a private person's card;
after the completion of the transaction, the system sends an SMS message with information about the completed transfer and the balance of funds in the account;
if necessary, within the framework of the Autotransfer service, several different accounts can be simultaneously involved, transactions with which will be carried out instantly.

If you urgently need money intended for automatic debiting, you can cancel a scheduled Auto Transfer operation. To do this, go to the "Autopayments" section, and from there - to "My Templates". Disable the desired template by clicking the appropriate button.

To instantly deactivate the scheduled Auto Transfer operation, send an SMS message with the text "AUTO PAYMENT" to the short number 900.

How much does the service Autotransfer from a Sberbank card cost?

Speaking about such a useful service, it would not be superfluous to note the tariffs and conditions for its use. You will not spend a single penny to connect Autotransfer. You can also cancel the service for free. The number of samples of financial transactions is not limited, and payment for this is not charged. Sberbank imposes a commission on some money transfers:

transfer from one of your cards to another personal card - 0%;
transferring money to a Sberbank user within the same city - 0%;
transferring money to a Sberbank user located in another city - 1%;
transferring money to a user of another bank - 1%.

the amount of payment for paying for mobile communications and the Internet, online purchases, software is 10 thousand rubles;
to replenish a brokerage account, purchase a share, send a transfer to an electronic wallet, you can spend no more than 10 thousand rubles;
for rent and other transactions to legal entities a limit of 10 thousand rubles was set;
100 thousand rubles can be transferred to a Sberbank card of another client;
You can transfer money to your own Sberbank card without restrictions.

The program itself will inform you about the limit when you create a template for transferring money. If you need to send money to another person's card in the amount of more than the set amount (100 thousand rubles), contact the contact call center and bring the operator up to date. If your intention is approved, the limit will be increased to 500 thousand rubles.

How to connect Autotransfer from Sberbank

With the connection of Autotransfer to Sberbank Online, each client can handle it without much difficulty. To do this, you only need to create a template once and configure it in accordance with the purpose of the payment. After that, you can be sure that no matter how many types of translation you create, they will all be completed on time. You only need to control the balance of funds on the card so that the balance always has the right amount.

To activate the Auto Transfer service from Sberbank, follow the step-by-step instructions:

open the Personal Account page, go through authorization;
go to the Autopayment section and click the "Connect" button;

pay attention to the item “Sberbank client” - here you need to leave the details of the recipient of the transfer (his phone number, card, account), as well as indicate the card from which they will be debited cash;

create a sample payment transaction. To do this, set the necessary parameters: specify the interval with which transfers should be made, their amount, the nearest date when the first debiting of money from the card to the Sberbank card should take place, notification of the addressee about the transaction;

to eliminate errors, carefully reread all the information provided again;
save the template by clicking on the appropriate button, after which you will receive an SMS message with a code that needs to confirm the completion of the operation.

Note! If you plan to transfer money not to yourself, but to another person, you need to specify his payment details. It’s not a problem if you don’t know this data - Sberbank has a function to identify users by phone numbers that are linked to their cards, so in the corresponding sample field you can only specify the phone number of the recipient of the Auto Transfer amount.

How to disable Autotransfer from Sberbank

To deactivate the Autotransfer online service, we again go to the personal account. Follow the prompts:

go to the Autopayments section;
open the My templates tab and click on the desired template;
click the "Disable" button. As with connection, the completion of the operation must be confirmed with a code from an SMS message.

Wanting to refuse the service, users often make the same mistake: they disable the template only partially. Please note that by sending an SMS message with the cancellation of the upcoming transfer, you deactivate only the current operation, and the service itself is suspended until the next scheduled payment. In this case, the template remains valid - all the settings you selected earlier are saved.

To completely abandon a template that has become unnecessary, disable it according to the instructions we gave above. Keep in mind that after such a refusal, the template does not disappear and, if necessary, you can turn it on again at any time.

If you no longer plan to make such transactions ever again, the template is deleted completely. Removal is carried out by one click on the corresponding button.

Summing up, we note that the online service Autotransfer from Sberbank is becoming more and more popular among customers of the first financial institution in the country. It can be called universal: you can send remittance a wide range of people, including yourself, as well as make payments to pay for certain services. Setting the transaction parameters is arbitrary and subject to adjustment at any time convenient for you. You can connect and disconnect the service in a few clicks - this is another nice bonus. If something is not clear to you, Sberbank specialists will always help you become a user of this service. From now on, you can control several mandatory cash transactions at once and, if necessary, cancel them or add new ones.

Many of us already know the service " Auto payment”, which helps us pay monthly utility bills, automatically replenish our phone bill. Sberbank, further developing its product, came up with another new solution to simplify transfers. The new service is called Autotranslate».

Why do you need "Autotransfer"

New Product Autotranslate was created in order to save time when making transfers from one card to another. Moreover, its use is most beneficial in the case of frequent transfers of funds to the same person, for example, your son living in another city, or when paying rent.

All payments within Autotranslation pass instantly and without commission. You do not have to pay anything for connecting and using the new service, the entire service is absolutely free.

Attention A: In the case of transferring funds to Sberbank clients outside one city, the commission will be 1% of the transfer amount.

How "Autotransfer" is carried out

Autotransfer is carried out in the same way as the Autopayment service. First you connect and set up the translation.

One day before the transfer, you receive an SMS notification with information about the payment. If you decide to cancel Auto Transfer, then you need to send " Cancellation code» to number 900 .

If you agree with the transfer, then you do not need to do anything, because the next day the bank will transfer the indicated funds to the provided account.

The recipient of the transfer will receive an SMS notification of the transfer, and you will receive an SMS with information about the successful transfer.

It is worth remembering that for a successful money transfer, you must have the required amount of money on your account, otherwise the transfer will not be carried out.

How to connect "Autotransfer"

Activation of the service is possible only through the personal account of Sberbank Online. Let's take a closer look at what and how to do:

You need to login to your personal account: more details ;
WITH home page personal account, go to the section " My auto payments”, which is located on the right side of the personal menu;
Click on the link " Connect Autopayment»;
On the tab that opens, you must select the type of translation " Transfer between own cards", or " Transfer to a Sberbank client»;
The next step is to provide information about Recipient» is either his card number or the phone number associated with the card.;
Choose " Write-off card", that is, the card from the account of which the money will be transferred and press the button" Continue»;
Now we indicate the most basic, this is the amount of the transfer, the frequency and date of the first operation;
Fill in the remaining fields "Name" and "Translation text" if necessary;
Click on the link " To plug» and confirm the creation of Autotransfer.

Everything is ready, now the money transfer is set up and will start automatically from the date you specified.

You can also view information on all payments made in personal account In chapter " Operation history Sberbank Online».

How to turn off Auto Pay

To disable not necessary services Auto payment you need to log in and in the section Auto payments disable the required payment.

For more information about AutoPay services, you can find out by calling them toll-free numbers.

The new Autotransfer service in Sberbank Online allows you to set up regular automatic payments from one card to another. Consider how this service works, as well as ways to activate and deactivate it.

Features of the Autotransfer service

Sberbank allows you to set up automatic payments both between your own cards and to the accounts and cards of other people. For example, you can set up regular deductions from your own payroll card to a parent or child card. Also, with the help of this service, to repay existing credit debts - it is enough to set up automatic transfers from the main card to the credit card.

How is the Auto Transfer procedure carried out?

The Autotransfer service in the Sberbank Online system operates according to the following algorithm:

create a template, specify details, a card for payment and other payment parameters;
the day before the automatic debit, you will receive an SMS notification about the upcoming payment;
if the procedure is not canceled, then a day later the transfer is made;
notification will be sent to your phone successful implementation operations.

If the balance of the card selected when creating the template does not have the required amount of funds, the payment will not be made. In this case, an appropriate notification will be sent.

One-time automatic setting of Auto-transfer

It is enough to create and configure a translation template once and then you don’t have to worry about possible non-payment. However, you need to ensure that the required amount remains on the card balance. The transfer is carried out automatically, notifications about the operation are sent to the phone number specified during registration. If desired, you can manually cancel the upcoming operation by sending SMS in response to the notification.

How to create an auto payment template?

The easiest way to manage connected services is through the Internet. If the service is not yet connected, then you need to contact the Contact Center or visit the nearest branch of Sberbank. The Mobile Bank service must be active, because. confirmation of all transactions is carried out using SMS.

To activate the service in your Personal Account, you need to go to the "Auto payment" section and click on "Connect auto payment".

We click on the item “Sberbank Client”, indicate the recipient of the transfer (phone number, card number or contact from the address book) and select the debit card from the list.

We configure the template parameters, specify the transfer frequency, amount, message to the recipient and other information.

Entering details for Autotransfer in Sberbank

When setting up a payment template, you will need to provide the following data:

recipient's card number;
amount and frequency of payment;
the next date of the operation;
your card to be charged.

If the transfer is made in favor of another person, then you will need to specify his payment details. However, Sberbank allows user identification through phone numbers, so it is enough to indicate the phone number. The operation requires verification through the received SMS code.

Features of automatic transfer from card to card

The Autotransfer service in the Sberbank Online system does not charge a fee for payments from one card to another. But this applies only to cases where both cards are issued by the same territorial division of the bank. Otherwise, a fee of no more than 1% of the payment amount will be withheld. Transfers in favor of other persons are always subject to a commission.

Disabling the service

The deactivation of the service is carried out in the Personal Account, as well as the activation of the service. To do this, go to the Sberbank Online website, go to the Autopayments section, then go to My Templates. After that, on the desired template, click the "Disable" button. The operation will need to be confirmed through the Mobile Bank by entering the code from the SMS message. Deactivating a template does not lead to its deletion; if necessary, it can be reactivated. For complete removal, you need to select the appropriate item on the site.

Sending an SMS to refuse an upcoming payment cancels only the current operation, and the template continues to function with the previous settings. Therefore, if the auto payment template is no longer needed, it should be deactivated or completely removed. This can be done in the Personal Account on the Sberbank website.

Sberbank auto transfer is an option that allows you to save time and money when making payments. It is possible to set up the service on your own without the help of specialists from the institution at no charge. It connects to the user's individual page or mobile system and is used until it is completely disabled.

Automatic transfer is a specialized function of a remote service resource for a commercial organization that allows you to transfer funds automatically without entering details and tracking dates. Using the function, it is possible to connect Auto Transfer from card to Sberbank card, between your accounts, auto payments. Upon completion of the transaction in automatic mode, the client will be sent an SMS notification.

Connecting Autotranslate

It is possible to use the service using the user's individual page or through a mobile bank. In the first case, you will need:

Get access to the personal account through an ATM in the card information section.
Log in to the system using your username and password.
Go to the payments section and select "Connect Auto Payment".
Select the type of payment, amount and fill in the details of the recipient.
Specify the frequency of money transfers.
Change the name of the payment (optional).
Save changes.

It is also possible to use the operation through the application. Connecting the Automatic Money Transfer from card to Sberbank card is carried out in a similar way, authorization in the system is performed by phone number with a password attached.

Without an application, it is possible to top up a phone account or connect auto payment through a mobile bank. You will need to wait for an SMS message from the official number 900 and send a response message with the received code.

Setting up via Sberbank-Online

It is possible to configure the system operation with direct connection and in the course of use. Setting up Auto-transfer in Sberbank-online is carried out in the payments section. Here is possible:

change date;
periodicity;
amount;
requisites;
Name.

The service is provided free of charge. When making transactions to another bank, it is possible to withhold a commission in the amount of 1% of the amount credited.

How to turn off Auto-translate through the application

To cancel the transfer, when using a mobile bank, it is enough to send a response SMS to number 900 the day before the next debit. In other cases, Sberbank Auto Transfer is disabled as follows:

By deleting in settings mode. You need to log in to your “personal account” or application, then select the desired translation and click the delete button.
Calling the phone hotline 900.
through the bank office. To do this, you need to write an application to the manager of a commercial organization.

SMS password confirmation is not required. The procedure is carried out free of charge.

Cost and commission for money transfer

Setup, connection, disconnection and confirmation is free of charge. No fee is charged for financial transfers between cards of the same bank, as well as the consumer's own accounts. Replenishment of mobile balance, transfer of funds to a credit account is made without commission.

When performing transactions between accounts of different banks requires payment. Today it is at least 1% of the total amount of accrual. More detailed information should be studied by calling the hotline or in the contract for the provision of services.

Summing up: advantages and disadvantages of the service

The option allows you to save time and money, does not require visiting the offices of a commercial organization, searching for and using ATMs and payment terminals. Other benefits of using:

ease of preparation of the template, the option is quickly connected and disconnected;
low cost of payment / commission fee in comparison with the payment for operations at the cash desk and terminals;
no limit on financial transfers;
fast transaction (usually no more than two hours);
free SMS notifications and alerts and upcoming charges.

Disadvantages of using the service:

a second attempt to debit funds is carried out only in the middle of the next day, if crediting is not possible on the appointed date;
work only in Russia;
the need to track SMS notifications when using a mobile bank, if you want to disable the option;
if the mobile bank is not connected, there is no SMS informing;
enrollment in foreign currency are not implemented.

The option is really convenient and easy to use. For regular replenishment of the account, it is enough to fill in the date, details and amount of accrual once. Informing by SMS-messages allows you to replenish the account in a timely manner for debiting within the specified period.

Conclusion

An important advantage of the service over standard transfers at the cash desk and through terminals is the speed and convenience of service. For regular replenishment of the account, it is enough to indicate the details and the date of payment, then replenish the debit balance in a timely manner. Remote service settings are made free of charge, take several minutes and do not require the assistance of specialists from a financial institution.