Repayment of loans online service without commission. Loan payment methods
In order to maintain a leading position in the market credit services, expanding the client base, Sberbank is developing various programs for servicing the population. They include not only the provision of a wide range of lending programs, but also convenient servicing of the loans provided.
It is not difficult to borrow money from a bank, making payments on them will also not cause difficulties. Using online banking, you can repay loans provided by the credit institution itself and others financial institutions... This is the most convenient and easiest way to repay loans.
Ways to repay a loan through Sberbank online
To carry out the operation, you only need a computer or smartphone and Internet access. To be able to repay the loan, the client must first register a personal account on the bank's website; when using a smartphone, you will need to additionally connect mobile bank.
Debt repayment options using online banking:
- Remittance to a credit card.
The operation scheme depends on its conditions:
- Transfer to a Sberbank credit card from a Sberbank account is carried out on the same day. The payer can transfer funds to their own and a third-party credit card.
Transfer of funds from your card to repay a loan from Sberbank (your own or someone else's) is carried out by the recipient's card number or phone number.
- If the client transfers funds from his account or Sberbank card to a credit card of another bank, the payment is made up to 2-3 days. The operation will require a number credit card, number of the loan agreement.
- Automatic payment.
Setting up an automatic payment will help you not to miss a loan payment and prevent the borrower from spoiling his own credit history. After the operation, the payer will receive an SMS to control the account.
- Payment by the number of the loan agreement.
The "Transfer money by agreement number" option allows borrowers to repay the debt of another bank from their account by entering the details of the receiving bank and the number of the loan agreement.
Instructions for payment via Sberbank online
Loans are repaid from the payer's personal account. The service provides for the repayment of own and third-party loans. A loan agreement is required for repayment.
The methods of repaying loans depend on who is the lender under the agreement.
- Repayment of a loan taken from Sberbank:
- In the "Payments and transfers" tab, select the "Transfer between your accounts and cards" section.
- Enter the number of the account from which the payment will be made, the number of the loan account.
- Maintain the payment amount.
- After pressing the "Transfer" button, the system will ask you to confirm the operation. An SMS with a confirmation code will be sent to the payer's phone, which is entered in the "Confirm" field.
- Repayment of third party loans:
- In the "Payments and transfers" tab, select the "Loan repayment in another bank" section.
- In the section "Loans / transfers to another bank by BIC" fill in all the required information and check it.
- Further, the payment is confirmed using an SMS code.
How to pay off a loan online video:
In what case will you not be able to pay?
When repaying loans online, the borrower must know exactly when it will not be possible to carry out the operation through the bank's personal account.
The terms of Sberbank's loan agreements provide for an annuity schedule of loan payments. This means that on a monthly basis the borrower must deposit the same amount of funds into the account for the entire duration of the contract. The payer does not have to reconcile the monthly payment amount, however, he can only pay the monthly annuity payment online.
A similar situation arises when paying for loans through an ATM.
If the borrower wishes to make repayment large amount Money than it should be according to the schedule, he can submit an application to the bank or change the parameters of the loan through his personal account. Otherwise, the amount deposited by the borrower will remain hanging on the personal account.
The process of early repayment of the loan is as follows:
This operation can only be carried out on an operational banking day.
Commissions and restrictions
Operations for transferring funds within the bank are carried out free of charge. Commission for transfers to repay loans to another bank 1%, no more than 500 rubles.
The maximum transaction limit when transferring money to cards of other banks is 30 thousand rubles. per day. When repaying a loan, it should be borne in mind that the term for the receipt of funds to other banks may take several business days.
Banks offer their borrowers a variety of loan repayment channels. Most modern payment methods provide for withholding commission. However, it will be free to make the next payment on the loan. What options for "interest-free" payments are available in 10 popular banks in Russia? About this in the article. *
Where to pay Home Credit without commission
You can replenish your credit account without commission at Home Credit Bank in the following ways:
- Across Internet bank from debit "plastic" issued by Home Credit. Each payment transfer is confirmed by a one-time code sent to the mobile. The term for crediting money is up to two days.
- Through the credit office on the bank's website. However, the commission is not charged only for the first 2 payments. For further calculations, 1.3% is withheld - from the card payment system Visa, 0.6% - with MasterCard of the Maestro category.
- Across mobile service " My credit » :
- Fill out the payment form. Indicate the type of crediting: loan payment / credit card replenishment, current account number and agreement.
- Enter the card details and confirm the 3D Secure operation with an SMS code received on the phone.
- Receive a payment confirmation email by e-mail.
Important! Loan repayment through the "My Credit" service is free for all borrowers until 15.05.2016.
4. Through cashier at the lender's office. The payment is credited within one day.
Important! If there is no Home Credit bank / ATM office with the option of accepting “cash” in the city of receiving the loan / residence / registration of the borrower, then the interest for the loan payment is not withheld. This applies to repayments through a mobile service or "Credit Cabinet".
Where to pay the Renaissance loan without commission
Repayment options for Renaissance loan without commission:
Where to pay a loan Leto Bank without commission
Crediting of payments on loans of Summer Bank without additional commission is possible through ATMs "Post Bank" ( former bank Summer).
Features of transferring money through the payment device "Bank Post":
- the transfer by agreement number / barcode can be carried out by both the borrower and his authorized representative;
- when crediting funds for "plastic" Visa, the presence of the cardholder is required.
Important! The limit of one replenishment is 15 thousand rubles. The number of operations is not limited.
The location of the Bank Post ATMs is indicated on the lender's website in the “Addresses on the card” subsection.
Top up a Tinkoff credit card without paying a commission is possible in two ways:
- Transfer from a bank card - from outside Tinkoff Bank commission is not charged. You will be able to make a payment on the website credit institution in the section "Payments and transfers", via Internet banking or mobile service.
- At points of replenishment at partner companies. To quickly find the location of terminals, the bank has developed a convenient service. After entering the address, the program displays the most approximate "Points of payment".
Where to pay a loan from OTP bank without commission
A wide range of loan repayment options is presented by OTP Bank. Among all the variety, only three methods are free:
- Self-service terminals of OTP bank. Receipt of money to the credit account - on the day of payment.
- Lender ATMs with Cash-in option.
- Transfer from current account / debit card opened in OTP bank.
Where to pay a loan Rusfinance Bank without commission
It will be possible to make a payment on a car loan, consumer loan, cash loan or credit card without commission through the terminals of Rusfinance Bank. If the payment is made before 20.00 Moscow time, then the money is credited on the same day, if later - on the next banking day.
Important! This method is only suitable for ruble loans.
- Transfer from a debit card to a bank credit card in personal account"Alpha click ". The limit for the operation is 100 thousand rubles. one-time, 1.5 million rubles per month. The crediting period is instant. To make a payment, it is required to indicate the number / validity period of the sender's card and the number of the recipient's credit "plastic".
- ATMs with the Cash-in function of Alfa-Bank and financial institutions of partners: Gazprombank, Moscow Credit Bank, MBM Bank and Ural Bank for Reconstruction and Development.
- Transfer through "Alfa-Mobile".
- At the cash desk of Alfa-Bank. Payment without commission at the lender's offices is provided only for mortgage loans.
Where to pay off a Russian Standard loan without a commission
It is possible to make the next payment on a loan from Russian Standard Bank without paying a commission in the following ways:
- Automatic debiting for Bank-in-Pocket cardholders. It is important that on the date of the installment on the loan, the card has the required amount to be repaid. If a loan is issued for the purchase of goods, then the write-off service is set separately - you need to contact the bank manager with a passport. The term for crediting the payment is within 1-3 minutes.
- Through the terminal / ATM of Russian Standard Bank. The money is credited to the account on the day of payment if the funds were deposited before 19.00 Moscow time.
- Through the cashier of the lender. Money is credited on the next business day.
Where to pay a RN bank loan without commission
The Bank of the Alliance of Auto Manufacturers Renault-Nissan offers its borrowers to pay the loan without commission by transferring funds to the credit account through:
1. Unistream money transfer system in the following financial institutions:
- KB Oil Alliance;
- Ai-Mani Bank;
- SMP-Bank;
- KB Oil Alliance;
- Joint Stock Bank Soyuz;
- Genbank;
- OTP bank.
2. ATMs of Unicredit bank - only for holders of Unicredit "plastic".
3. PJSC Rosbank.
Features of payment through partner offices:
- after the payment is credited, the client receives an SMS confirmation;
- in the purpose of payment, it is necessary to indicate the full name and personal number of the borrower on the first page in the Memo for servicing a car loan, in the item "contact with the bank";
- a third party has the right to repay the loan.
Where to pay a loan from Unicredit Bank without commission
Convenient and commission-free payment options different types loans are used by Unicredit Bank.
1. ATMs / terminals of Unicredit bank. The financial institution has an extensive network of payment devices operating around the clock. To transfer money, you will need Unicredit "plastic".
The procedure for replenishing a credit account through ATMs / terminals:
- Insert the card into the card reader of the device.
- Go to the section: Loan repayment (Cash deposit) / Crediting to the account.
- Select the current account number specified in the loan agreement.
- Insert one note at a time.
- Make sure that the credited money is enough to pay off the installment and confirm the payment.
- Pick up and keep the check.
Nuances of paying for a loan through an ATM / terminal:
- "plastic" in any currency is suitable for settlements;
- the currency of funds deposited through the device must match the currency of the loan;
- The ATM accepts different bills, but no more than 50 pieces.
- conclusion of an additional agreement for monthly automatic write-off of money as payment for the loan;
- via internet banking.
3. In Unicredit box offices.
4. Money transfer through Beeline cellular office- the term of crediting is 1 banking day. The amount of the payment is not limited in size. To make a payment in the receipt, you will need to indicate the name of the borrower, account number and present payment card Beeline.
Deposit money to an account to repay a loan from any Visa cards, MasterCard or MIR, you can right now, using the service "Repay a loan". The amount of one transfer excluding commission is from 50 to 50,000 rubles.
Transfer fee 2% of the transfer amount
Crediting funds on the day of payment.
How else can you repay a loan?
In the salons "Megafon", "Euroset", Beeline and KARI, as well as through partners of the network "Zolotaya Korona - Repayment of loans"
Required details for the first call:
- the number of the account for payment specified in the loan agreement, full name of the Borrower, BIK;
- Telephone number;
- general passport
When paying again, it is enough to give only a mobile phone number and present a civil passport.
Commission - 1%, at least 50 rubles. Commission for making a payment to Euroset: 1%, minimum 50 rubles, maximum 500 rubles. In the KARI chain of stores, the commission is fixed - 30 rubles. Crediting funds on the next business day.
Beeline subscribers can get the address of the nearest salon and a link to the map:
Beeline - dial the command * 392 #
Through the network of partners and terminals of the Cyberplat payment system
At the moment, the total network of CyberPlat® payment acceptance points is over 900,000 points that accept cash payments. Among them:
- TelePay payment terminals (Ural).
- Payment terminals Amigo (Ural).
- Payment terminals in Megafon communication stores.
- Payment terminals in Euroset communication stores (Ural and St. Petersburg).
- Payment terminals in KNOW-HOW communication salons (Moscow and Moscow region).
- Cash desks in Artex-Mobile salons (Moscow and Moscow region).
- Payment terminals (Crimea).
- Payment terminals (Sevastopol).
No money transfer fee is charged. Crediting funds on the day of deposit.
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At the Plus Bank branch
The addresses of the branches, as well as their working hours, can be found in the "Branches" section.
Both you and your representative can deposit money into your account at any Plus Bank branch upon presentation of your passport. To do this, it is enough to provide the account number for identification.
Depositing money to an account at a Plus Bank branch is free of charge. Crediting funds on the day of deposit.
In branches of other banks or from your account in another bank
To transfer funds, you must fill out a receipt or application for the transfer of funds by entering the details of your account with Plus Bank.
As a rule, you can issue a one-time payment order to transfer funds or a long-term order for the monthly transfer of the required amount to your account with Plus Bank.
The amount of the commission is set by the bank through which you make the transfer. Funds are credited, as a rule, on the next business day after sending the transfer.
From your place of work
You can contact the accounting department at your place of work with an application for transferring the required amount from your funds wages to your Plus Bank account. You must have a passport or other identity document with you, as well as payment details.
The term of the transfer and the commission is set by the bank through which the accounting department at your place of work will carry out the transfer.
Through the offices of the Russian Post
To make a monthly payment, you can contact the nearest branch of the Russian Post. To transfer funds, you must fill out a receipt by entering the payment details into it.
Commission - 1.9%, minimum 50 rubles. Crediting funds within 5-7 working days.
Via terminals "Kiwi" and "Rapida"
Information about payment points can be obtained on the Internet at the official websites of the systems.
The commission for the operation performed is from 1% of the payment amount, but not less than 50 rubles (the exact amount of the commission must be specified at the point of transfer). Crediting funds on the next business day.
Who can make monthly payments?
You can make payments on your loan personally, or if you cannot make the payment in person, you can entrust it to your relatives or friends.
When paying for the loan, you must have with you:
- Passport (of the sender - the person directly making the payment);
- Loan agreement(Proposal for the conclusion of contracts);
- An amount equal to the monthly payment and the transfer fee.
Through the Sberbank Online system and self-service devices of Sberbank PJSC
To make a transfer, you need to know the account number used to repay the loan or the number of the loan agreement.
Commission for transfers through the Sberbank Online system - 1%
Commission for transfers through self-service devices of Sberbank PJSC - 1.5%, at least 30 rubles.
The money will be credited to the account on the day of the transaction.
Online payment
From the account on your card.
Repayment without commission
At "Post Bank" ATMs
At ATMs of "VTB Group banks"
(with the deposit of money to the "Post Bank" card).
From cards of other banks to Post Bank Online (from 10,000 rubles).
Auto-redemption
The ability to automatically repay the next loan payment
from your card, for example, salary.
On the payment date, the required amount will be automatically debited from your card and repay the next loan payment. From now on, you will not miss a single payment. It is convenient and you do not have to spend your personal time visiting the bank.
To activate the service, contact the client center (or send a corresponding application to the Bank at in electronic format via Post Bank Online, signed by Simple electronic signature). The commission for each operation of repayment of a loan from a card is 29 rubles.
- Show the Post Bank employee the card of another issuing bank
- Check the availability of this service for your card (the issuing bank may refuse to carry out the operation within the service)
- Sign an application-order to activate the Auto-Redemption service (on the date of payment, if funds are available on the card, the card will be debited and credited to the client's account in Post Bank)
Early repayment
Partial or complete early repayment available
no commission or statements
Partial early repayment
To make a partial early repayment, please contact the customer center, sales counter or customer service by phone 8 800 550 0770 no later than 7 days before the current date of the loan payment. The entire amount over the next payment on the payment date will be used to pay off the principal debt on the loan, while the size of the next payments will be reduced, and the loan term will remain the same.
Full early repayment
For full early repayment, contact the customer center, sales counter or customer service by phone 8 800 550 0770 no later than 7 days before the current date of loan payment. You will be calculated the amount of early repayment. Please note that the amount required to make a full early repayment is calculated on the next payment date.
If the amount for full early repayment is not enough, partial early repayment will occur with a decrease in payment and preservation of the loan term.
Loan repayment procedure
Funds for repayment of the loan must be paid no later than the due date of payment. If you have not activated the "I miss a payment" service, if you miss a payment, you will be charged a daily penalty in the amount of 20% per annum on the amount of the delayed payment.
Please take into account the time when funds are credited with your chosen repayment method.
Other ways to repay the loan
Banks and operators of payment terminals may, at their discretion, set the size of the commission for the provision of the service. The limitation of the amount depends on the method of making the transfer.
Enrollment - up to 4 calendar days.
Your friend or relative will be able to repay the loan. For repayment, you only need to know the number of the Visa "Post Bank" bank card.
ATMs, terminals, remote systems banking services partner banks VISA Int., networks of payment terminals through which you can use the service "Payments and transfers VISA" are posted on the VISA website.
For more detailed information about the service, conditions and terms of its provision, please contact partner banks VISA Int. and to the operators of payment terminals providing this service.
To repay the loan, you just need to know only the bank card number of PJSC "Post Bank" of the international payment system VISA and enter it when providing the service, as the recipient's card number (when using ATMs, it is recommended to have bank card for identification purposes, which will make it possible to carry out an operation in the amount of more than 15,000 rubles).
The amount of the commission is set by the sending bank.
Your friend or relative will be able to repay the loan. To pay off, you must have a passport and know the details for a wire transfer at the Post Bank, which are indicated in your payment schedule.
- Beneficiary's bank: PJSC "Post Bank"
- INN: 3232005484
- BIK: 044525214
- Correspondent account: 30101810245250000214 in the Main Department of the Bank of Russia for the Central Federal District
- Recipient: Client's full name
- Beneficiary's account number: Client's account number (20 characters);
- Payment purpose: account replenishment.
Your account number in Post Bank and other details are indicated in your payment schedule.
Payment is made in the presence of a postal order form received from an employee of the Bank. To minimize the risks of untimely receipt of funds in payment for the loan, it is necessary to repay the loan in advance of the next repayment date - taking into account the term for crediting the funds.
Usually, the transfer period is up to 5 working days, find out about the time for transferring funds directly at the sending bank.
Details for transferring funds through branches of another bank:
- Receive a postal order form from a Bank employee (if the form that you received earlier at the Bank was completed before March 01, 2019, you need to get a new form).
- Contact the GPO employee and inform that you want to repay the loan from Post Bank, you must have a passport with you.
- Receive and save your payment receipt.
How does auto payment for a loan work?
Auto payment for a loan works as follows:
1. You enable auto payment for a loan for the required amount.
2. The bank automatically debits the amount from your card every month.
3. The invoice was paid on time.
How to connect auto payment for a loan to Sberbank Online?
Tab "Payments" → Auto payments → Connect auto payment → in the search specify "Pay loan" → select the bank you want from the list. If the required bank is not in the list, select "Loans / Transfers to another bank by BIK".
Personal menu (on the right) → My auto payments → Connect auto payment → Select the section "Loan repayment in another bank" → select the required bank from the list. If the required bank is not in the list, select "Loans / Transfers to another bank by BIC".
How can I turn off auto payment for a loan?
1.In mobile application Sberbank Online
Payments tab → Auto payments → find the required auto payment and click “Disable”.
2. In the personal account of Sberbank Online
Personal menu (on the right) → My auto payments → find the required auto payment and click "Delete".
Where can I see if my auto payment for a loan has passed?
All completed auto payments for a loan can be found:
1. In the mobile application
Payments → Auto payments → Auto payment for a loan
2. In the personal account of Sberbank Online
Personal menu (on the right) → My auto payments → Auto payment for a loan
How to print an auto payment receipt for a loan?
In your Sberbank Online account:
Personal menu (on the right) → My Auto Payments → Select the payment you are interested in and click "Print receipt"
Can I change the amount or date of auto payment for a loan?
Go to "Edit auto payment for a loan" and change the amount or date of payment. The next day, you will receive an SMS message about the change in auto payment, to which you need to send a confirmation in response
Why was the amount of the monthly payment written off again, although I had already closed the loan?
When paying the last loan payment, you need to close the auto payment for the loan yourself in the mobile application or your Sberbank Online personal account.
Why was the wrong amount debited from me when repaying a loan in another bank?
When paying the last loan payment, you need to contact the bank where the loan was opened and clarify the amount of the last payment. After that, edit the auto payment for the loan in accordance with the amount, taking into account the penny.
The amount that you specify when creating an auto payment for a loan is written off. If the amount of the monthly payment for a loan in another bank has changed, you need to manually edit the amount of the auto payment for the loan.
Which banks are money transferred to in minutes?
Cetelem, Alfa-Bank, Russian Standard, MTS-Bank, OTP Bank, Sovcombank and Renaissance Credit. Up to 3 working days, the money is credited to the account of all other banks.
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