Sberbank does not indicate alimony when transferring. Options for paying child support through Sberbank: requirements, commissions
- If payment is made through Sberbank Online, then you must always indicate the purpose of the payment being made. There you need to indicate the name of the payer and the child, as well as the date of birth of the latter.
- Receipts must be printed and kept. You need to take this very seriously. In the event of a trial, they will be the confirmation of the words of the payer.
- The money is credited to the recipient's account within 102 hours. And yet it is worth making sure that the money has arrived by calling the recipient.
- Alimony is best paid on the same day. Better yet, automate this payment.
Remember that you need to specify the purpose of the payment. It should be alimony. Financial assistance is a voluntary payment and is not included in alimony.
Payment of alimony payments through Sberbank
Commission for transfers of alimony through Sberbank in 2017 The commission charged by the bank from the payer is not deducted from the alimony, but is paid in excess of the amount due. The commission rate depends on the payment method, recipient's bank, transfer type, addressee's place of residence, etc.
Commission for the transfer and crediting of funds to Maestro card"Social" is not charged - this rule is valid throughout the territory of the Russian Federation:
- Transfers between SB cards within the same city are free of charge;
- Transfers between SB cards in different cities are accompanied by a commission. In the bank branch they charge 1.5%, in the Sberbank-online system - 1%.
The minimum fee is 30 rubles, the maximum is 1000.
How to pay child support through Sberbank
The procedure for the payment and collection of alimony The amount of alimony collected by a court decision in firm sum of money, for the purpose of their indexation, is established by the court as a multiple of living wage determined in accordance with the rules of paragraph 1 this article, including the amount of alimony can be set as a fraction of the cost of living. Article 118 engaged in money transfer (Western Union and others).
In addition, if the sender does not know something, bank employees will always come to the rescue. Profitability.
Payment of alimony through Sberbank
That is, unlike paying in cash, you can create an automatic payment that will be transferred every month to the specified account without the participation of the client. The latter will receive only a notification about the transaction.
When making a transfer in this system, it is necessary to indicate not only the purpose, but also the full name of the addressee and the child. Also, keep in mind that funds are not credited immediately, the period can be delayed up to three days.
However, the term is still shorter than with cash, most often the money arrives within a few minutes or hours. In case of disagreement, the receipt of payment has the date of deposit of funds, and therefore confirmation of the timeliness of payment.
Purpose of payment when transferring alimony
The appearance of the payment, which depends on the method of its implementation: by mail, electronically, telegraph. Full name of the payer, indicating his account (settlement), TIN, KPP (if any).
Attention
Full name of the payer's bank, its location, BIC, correspondent account (sub-accounts). Information regarding the name of the payee, the number of his current account, KPP, TIN.
Full name, location, BIC, correspondent account number of the beneficiary's bank. Purpose of payment in payment order indicated with emphasis in separate line VAT.
Calculation of alimony For one child, alimony is assigned at least 25% of the alimony payer's earnings. So, for example, if the salary of a parent who is obliged to pay alimony is 40,000 rubles a month, then he will have to pay 10,000 rubles as maintenance for the child.
Alimony payments for two children.
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- How to pay child support?
- Advantages of payment through Sberbank:
- Rules for processing child support payments:
- Commission for alimony transfers through Sberbank in 2017
- Alimony through Sberbank: payment methods and recommendations
- 1. At the box office of the nearest branch
- 2. Through an ATM or self-service terminal
- 3. Through the Sberbank Online system
- Can I pay via mobile bank?
According to the law, alimony is transferred within three days from the date of receipt of earnings. The basis for their payment may be performance list or a voluntary agreement - these documents have equal legal force.
Info
The legislation does not regulate the methods of payment for these obligations. Step-by-step instruction To avoid mistakes and inaccuracies with the translation, it remains to follow a few simple steps:
- first you need to find the nearest branch of Sberbank and go there with a passport and a plastic card;
- make a payment and make a transfer in one of the ways (directly at the bank’s cash desk, or register in the Personal Account on the website credit institution and make a transfer via the Internet), while you need to know the personal account and other Bank details claimant;
- get a check.
Payment at the bank's cash desk To make payments, you will have to visit a branch of Sberbank on a monthly basis.
How to pay child support to Sberbank online instructions
As a rule, most mothers have accounts opened in Sberbank ( social cards), where state child benefits are received. Accordingly, the payer can transfer alimony to such an account.
If you have access to the Internet and a registered Personal Account, you can make transfers without leaving your home. It also provides the ability to set up auto payments on the Sberbank website, eliminating the need for monthly transfers by the user himself.
Commission and limits You should be aware that the commission fee that the credit institution withholds from the payer is not deducted from alimony, but is charged from his account in excess of the amount sent. The amount will depend on the method of the transaction, the place of residence of the recipient, etc.
Transfers to social accounts are not subject to fees.
To do this, you will need to enter the account number, card or mobile phone number. You can also set up auto payment so that you do not have to go through the procedure again every time - the system will automatically transfer at the appointed time.
- Mobile bank
To make a payment using the phone, you need to use the template for transferring money to a card.
- Branch
In this case, you will need to seek help from a Sberbank specialist.
You can transfer alimony in this way once or more than once. In the second case, it will be necessary to issue a long-term order of the client. Intrabank transfer is free. A fee is charged for transactions with other credit institutions. Guidelines for paying child support Paying child support is an obligation. Its non-compliance is punishable by law. Therefore, it is very important to have on hand all the necessary evidence of payments made.
Payment of alimony through Sberbank purpose of payment
In the "Payments and transfers" section, select the "Transfer to a Sberbank client" subsection. Enter the card number, full name of the recipient, the amount and purpose of the payment.
A report on completed transfers can be created using the "History of operations in Sberbank Online" menu item. In your personal account, you can set up auto payment - the specified amount will be debited from the account on a monthly basis and transferred to the alimony claimant.
Can I pay with mobile banking? You can transfer money to a card via a mobile phone - Sberbank provides such a service. But here one should take into account important nuance: short message with account number and payment amount does not include a payoff line.
If there is any conflict with the former spouse, then it is extremely difficult to prove in court that the transferred amount is a maintenance payment. Lawyers categorically do not recommend sending money without the mark "alimony".
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This question of how to pay child support is not so often asked today, but it's better than avoiding helping your child. Alimony is paid on a voluntary and mandatory basis. In both cases, it is best to pay for them through reliable electronic systems with confirmation of the funds sent, and not to hand them over personally, so that later there are no problems and you do not have to prove the operation.
The easiest way is to make a bank transfer. Today any financial questions resolved through electronic banking payment systems. It is not only fast and convenient, but also safe. You can be sure that your money will not be lost anywhere, and if necessary, you can ask for confirmation of the transaction. One of the leaders of Russian banks is Sberbank. It has long established itself as a reliable organization, so the majority of Russian citizens give their choice in its favor. But, despite the ease of conducting various banking transactions, some are faced with the problem of how to make a payment online, especially when it comes to transfers, the payment of which is controlled by law.
Child support is the responsibility of the parent who does not live with the child. Failure judgment regarding the transfer of alimony is punishable by law, up to criminal liability. Therefore, negligence cannot be shown here, even if you regularly pay maintenance payments to your child. Failure to comply with at least one of the rules may result in you having to re-transfer money. So, here are the mandatory conditions that you must adhere to when paying child support through a bank.
- The main thing in the design of any bank payment- it is correct to indicate the details of the recipient, the full name of the sender, the amount and purpose of the payment. The purpose of the payment is indicated in a separate field below, after all other data. It is essential to specify the purpose of payment there. In our case, this is, for example, “alimony for January 2017, the full name of the child and the date of his birth.”
- If the money is sent not to the Sberbank card number, but to the current account of another bank, then you will need full internal details, indicating the name of the bank, account number, TIN of the organization, etc. In order not to make mistakes, in such a situation, let the recipient take a template from his bank with his account details for payment to third parties and give it to you or back it up with a writ of execution.
- All receipts and proof of payment must be kept. The shelf life is 3 years. The law provides for an appeal against maintenance payments for a period not exceeding 36 months. Therefore, in order to prove your serviceability in paying alimony, keep all supporting documents - if the payment is made through the cash desk, then you have a receipt in your hands, if through the terminal, then you receive a check, if through the online system, then you can make a release with a breakdown of payments for a specific period.
- It is better to pay the specified amount in the writ of execution at a time, and not split it.
- According to article 109 of the Family Code, the payment of alimony must occur no later than on the third day after payment wages. If the deadlines are violated, then the payer is charged a penalty. Therefore, follow this rule and do not delay the deadlines, especially if you are sending money to another bank account, as it can take up to 5 days.
In the purpose of the payment, it is necessary to indicate the word “alimony”, and not “material assistance” or “payment for a specific period”. Since only alimony refers to the type of obligatory payments of the parent, the payment of which is controlled by bailiffs.
Another point that you need to focus on is when the payer is another person, for example, you are on a business trip and left the amount for alimony to your parents so that they make a transfer on the appointed date. So, if the payment is made through the bank's cash desk or from another person's card, then the name of the payer should be yours. Since the law does not allow alienation to third parties for the payment of alimony. And then it will be very difficult to prove your participation in this money.
How to pay child support
Today there are many payment methods, this does not exclude the payment of alimony. Convenient ways transfers Money has banking system. Sberbank of Russia has the largest network of branches, ATMs and a terminal network, thanks to which Russian citizens and large enterprises give preference to it. Therefore, today it is very difficult to meet a person who would not have a Sberbank card. And if this happens, then it is extremely easy to start it. So, we will tell you how, using the services of Sberbank, you can quickly pay child support.
Cash at branch
You can pay alimony in cash through the cash desk at a bank branch. This method is usually used by those who do not want to delve into the complexity of online procedures or are afraid to make a mistake in filling out the details. You will only need the details of the recipient's card or internal account, as well as the full purpose of the payment - to whom and for what you pay. If you are a bank client, then your personal data will be automatically pulled from the database, and if not, then the cashier will rewrite them from your passport. If the payment is made between Sberbank cards, then the operation is free. At the end, do not forget to pick up a receipt with a seal about the transfer of funds. In the event that a client is busy, Sberbank offers a regular payment service, on the basis of which they will automatically perform an operation to pay alimony from your account on a certain day of each month. It's very convenient and it's free.
Through Sberbank online
Online services are becoming more and more popular, firstly, it is fast, secondly, there is no need to stand in line, and thirdly, you don’t even have to leave your home, as long as you have an Internet connection. Banks have greatly facilitated the work of customer service and have developed an online bank, where each client has his own Personal Area. So, if you want to pay child support, then the easiest way is to transfer money to the recipient through an online service. It is no different from a regular payment through the cashier and is paid instantly.
First you need to subscribe to this service. This is done through the Sberbank terminal, where you select the “Mobile Bank Connection” item and a check is printed out for you, on which the login data will be written - login and password. You can use banking through a smartphone by installing the Sberbank Online application or through a computer, you can download the application on the official website. For the first login, use the printed data on the check from the terminal, and after that you can change them to more convenient ones so that you can remember them. After you have completed the registration procedure, you will receive a phone number connected to mobile bank, an SMS arrives with a confirmation code, you enter it in the appropriate field and that's it, you can use all the services of Sberbank of Russia without leaving your home.
Now let's move on to paying child support. If you have the required amount of money on your Sberbank card, then you go to the "Payments and Transfers" section, choose where the transfer will be made to the Sberbank card or a card of another bank and fill in all the required fields, remember the importance of specifying "Purpose of payment". Check before sending all the data, if everything matches, then click the submit button. After that, SMS confirmation of the operation will come to the phone again, you enter it and the payment is instantly paid. As a confirmation of this operation, there is a function to print a check or make an extract for a certain period. If you use banking via smartphone, then this service can be provided to you at the branch.
User fees mobile application online from Sberbank no. You can also set up the "Recurring payment" function or save the payment as a template so that you do not need to enter data every time.
Through an ATM or self-service terminal
If you came to the branch to transfer the amount of alimony, and there is a huge queue, then you can transfer money through an ATM or terminal. To do this, insert your card into the device, it reads the information for a few seconds, enter the password and proceed directly to the transfer. Select the menu item " Money transfers”, then click “To card” and enter the recipient’s card number. The convenience lies in the fact that after you enter the recipient's card number, his personal data will be pulled up below, which means that you entered the number correctly. Then enter the amount and click "Pay". In response, you will receive a check as confirmation of the operation. And remember that you need to specify the purpose of the payment. The only disadvantage of such a money transfer is that transfers can only be made between Sberbank cards.
The nuances of making payments
In addition to the rules for processing payments for alimony, there are other subtleties. These include the following:
- Payment transfer time within Sberbank. If the payer's card and the recipient's card belong to the same bank - Sberbank, then there are usually no problems with this. Money comes instantly in a few minutes. Of course, there are exceptions due to problems electronic system, which are most often resolved within a day.
- If the money is sent to another bank account. According to the banking regulations, payments within different organizations can take up to 5 days. But that doesn't mean that he will continue to do so. In most cases, the money arrives the very next day. But it is better to take this moment into account in advance, since there are strict time frames with the payment of alimony.
- Transfer fee. Another nuance that not everyone thinks about. If both accounts belong to Sberbank within the same city, then the problem automatically disappears. But if a mother with a child lives in another city or, moreover, has a card from another bank, then a commission will be charged from you - from 1% to 1.75%, at least 50 rubles. You must take the commission on yourself, and not on account of the amount of alimony, otherwise such a slight discrepancy in the amounts may lead to a number of problems.
- Alimony is best sent on the same day when the salary arrives or automate this process through Sberbank online or cash services.
If the above information is difficult for you to execute, and you are afraid of making a mistake, then it is better, of course, when the accounting department of the enterprise deals with this issue. That is, on the basis of the execution sheet, they automatically calculate the required amount of alimony every month for three days from the date of payment of wages and send it to the specified recipient. Here, from you as a payer, any responsibility is completely removed. But no matter what solution and payment method you choose for yourself, we advise you to always personally call the recipient and find out if the money has arrived.
Most often, the voluntary payment of alimony occurs without a trial. A citizen must adhere to the following algorithm of actions:
- Agree with the spouse on a specific amount that will be transferred to the child's account. Can you replace it real estate or other material goods.
- Draw up a settlement agreement on the payment of alimony. In it in without fail all the features of the process are prescribed. For example, the amount of alimony and the period of their payment.
- Collect a certain package of documents. It will be discussed later.
- Contact a notary with a package of papers, as well as with an agreement. Sign the agreement in the presence of an authorized person.
That's all. From the moment the contract is signed, you just need to comply with its terms. Most often, money is sent either by mail or by bank transfer. bank transfers.
Child support payment methods
In the second - alimony is paid depending on the number of children. Thus, in Russia you can count on:
- 25% of the payer's income - for 1 child;
- 33% profit - for 2 children;
- 50% of earnings - for 3 or more minors.
Such restrictions are currently in force in Russia by law.
In fact, it is not at all necessary to pay this or that money every month. You can save yourself from maintenance obligations in one interesting way.
Attention
Expression of alimony How exactly? How to pay child support? To do this is not difficult. Especially with a voluntary decision. The main thing is to document everything.
Info
How to do this will be discussed a little later. Every citizen should know that alimony is not only money.
We can say that this is a kind of content of this or that citizen. In our case, a child.
Payment of alimony through Sberbank
Relative risks for the recipient occur only when cash is transferred from hand to hand, since there is no effective control over the systematic and regularity of payments. Important! If the obligated person evades the transfer of money, you will need to contact the bailiff service.
Bank transfers as a way to pay child support The most common option for enforcement of a support obligation. In this case, the methods of payment of alimony may also differ:
- the money is transferred by the debtor himself, who has the details of the recipient;
- amounts deducted from the salary are transferred by the employer;
- recovered during enforcement proceedings amounts are transferred by officials of the FSSP.
The creditor has the right to determine for himself how it is possible to pay alimony in this way - to a bank account or to bank card.
How to pay child support
Important! When sending an order for payment, the commission for the transfer is subject to deduction at the expense of the payer. Sending by mail as a payment option for alimony The procedure for processing a transfer through a transfer to the post office is gradually losing popularity for the following reasons:
- the cost of postal services exceeds the similar fee for a transfer to a bank account;
- the fulfillment of an obligation by means of a postal order forces the claimant to spend time receiving funds by mail;
- the terms of the transfer through the mail may significantly exceed the duration of the transfer of funds to the bank account.
How to pay child support through the mail, if this way transfer specified by the recipient? Officials of the enterprise where the alimony works must fill out a postal order form indicating the personal data and address of residence of the payee.
How to pay child support without commission?
As noted earlier, it is necessary to agree with the plaintiff amicably on the payment of alimony. Some time is given for this. In order for the court to recognize a peaceful solution to the issue, it is necessary to draw up a peace agreement on the payment of alimony.
It prescribes all the features and nuances of transferring money (terms, amounts, indexation, and so on), after which the document is presented at the next meeting judiciary. The court fixes the fact of reconciliation, after which the agreement of citizens is registered.
There is nothing difficult or special about it. Ways to transfer money An important point is the fact of transferring funds for the maintenance of a citizen. It is important to understand that the voluntary payment of alimony, not regulated by the court or the peace agreement, is a significant risk.
Judicial authorities often do not consider such transfers as alimony.
How to pay child support correctly: procedure
The main thing is that no one is released from this obligation, if it concerns children or needy parents. It is recommended to conclude a peace agreement with a notary.
Such an approach will save you from litigation. In addition, in this case, you can agree amicably on all the features of payments. The main thing is not to delay the funds due to children under the law.
Alimony does not have to be paid monthly. For particularly large amounts, such transfers can be either regular (at some intervals) or one-time. Sometimes citizens relieve themselves of the obligation to maintain children by transferring ownership of this or that property to them.
How to pay child support online or through the terminal?
Implementation of postal transfer delivery:
- the money transfer goes to the Russian Post office;
- the recipient is notified by a notification of the receipt of money;
- if registered at home - the postman will bring the money home to the recipient;
- when receiving alimony, you must have an identity card (passport) and a receipt-notice with you.
If alimony goes to an account opened in the name of the child When alimony is paid for the maintenance of the child, some mothers (and often at the initiative of the father) credit funds to the child's personal bank account opened in his name. Withdrawal of funds from the child's bank account is possible only upon presentation to the bank of the permission of the guardianship and guardianship authority (Art.
37 of the Civil Code of the Russian Federation). Even if the person withdrawing the funds is the birth father or mother of the child, permission is still required.
Rules and procedure for paying alimony to a bank card
Most often in Russia it is:
- spouse with whom the child does not live;
- working age child.
A distinctive feature of alimony is that they are assigned to all citizens. Even the absence of work for a person does not serve as a basis for exemption from payments.
They will be assigned from all income received by a citizen (for example, withheld from benefits and pensions). If there is no profit, sooner or later the payer will have a debt.
This will lead to the fact that until the debt is paid off, a person will not be able to drive a car or travel outside locality. This is how the country fights with non-payers. The procedure for concluding a peace agreement Now a little about how and when alimony is paid correctly. Let's start with the conclusion of a peace agreement. As already mentioned, this is the most suitable solution that can get rid of most problems.
Child support payment methods: which ones exist and which ones are better
The resulting decision must be brought to the accounting department that calculates and pays alimony. Advice! The application can be submitted in person or sent by mail (with acknowledgment of receipt). Regardless of the addressee, the document is drawn up in 2 copies, the first is transferred to the addressee, the second (with a mark of acceptance or delivery) remains with the sender. Risks of paying benefits to the card When figuring out how to correctly transfer alimony to the card of the selected bank, you should also find out the duration of the transfer of money between accounts.
After all, a transfer between banks can be carried out not on the day of payment, but within a period of 3 working days. Attention! If the bank transaction was not received on the sent account within 7-10 days, you must contact the branch of the sending bank with a corresponding claim and attach copies of documents on sending money.
- How to pay child support?
- Advantages of payment through Sberbank:
- Rules for processing child support payments:
- Commission for alimony transfers through Sberbank in 2017
- Alimony through Sberbank: payment methods and recommendations
- 1. At the box office of the nearest branch
- 2. Through an ATM or self-service terminal
- 3. Through the Sberbank Online system
- Can I pay with mobile banking?
According to the law, alimony is transferred within three days from the date of receipt of earnings. The basis for their payment may be a writ of execution or a voluntary agreement - these documents have equal legal force.
Legal help!
Moscow and region
St. Petersburg and region
Federal number
Bank transfers today can pay for any services, which is very convenient. Through them, you can make a transfer both for state purposes and to third parties. through Sberbank - this is the simplicity of the operation, while it does not matter, or in a voluntary form, it is enough just to have a bank card with you.
Advantages of voluntary payment of alimony through Sberbank
Increasingly, there are cases when a spouse, after a break in relations, decides independently and voluntarily to pay alimony funds for a child.
There are several variations of payments if there is no dispute between the withholding of funds for the maintenance of children:
- voluntary payment without drawing up an agreement;
- transfer of funds based on mutual agreement;
- voluntary payments according to a court order.
If payments imply a voluntary nature, where there is no legal agreement or court decision, then the alimony himself has the right to decide when to pay and at what frequency.
But at the same time, in order to protect yourself, you should keep all checks or receipts that confirm the transfer of a certain amount for various needs of children. With a voluntary agreement, legally certified, in which two parties participated, it is necessary to indicate the chosen method of transferring money.
If the spouses decided that it is better to transfer funds through a bank, then the document must indicate this method, all the details of the bank and the details of the recipient.
The text of the agreement also contains information about:
- the amount of alimony;
- about their form fixed amount or part of income in %;
- frequency of payments;
- indexing order;
- the person who will transfer the funds - the payer personally or the organization where he is employed.
Payment of alimony through Sberbank is the most simplified service for fulfilling your obligations.
Schemes for paying funds through Sberbank are most in demand today, and there are several ways to transfer funds: to a card through terminals, at branch cash desks, through the Sberbank Online system, or to a child’s account by bank transfer.
There are branches of the organization throughout the country, and therefore it will not be difficult to make any transfer. In addition, self-service terminals are installed in almost all shopping centers and large enterprises, which allows you to quickly carry out transactions at any time of the day.
Another advantage of paying child support through Sberbank is that most mothers here have cards that receive state social assistance funds. The payer can transfer maintenance funds to the same account.
Another advantage can be called the fact that all manipulations can be carried out without leaving home, or during a trip. All you need is access to the Internet and a connected personal account in the Sberbank service.
In your personal account, you can set up the automatic transfer function, in which monthly payments will be made automatically.
Sample application for the transfer of alimony funds
With a legally executed agreement between the former spouses, the recipient of funds can apply for the transfer of payments through Sberbank to the card. Such a document is sent to the organization itself, where the payer works or receives any income - these can be benefits, pensions,.
The application for transfer is issued in two copies, one of which is kept by the wife, and the second is sent to the enterprise, where they put a mark on the positive decision and return it back to the applicant.
The application form is as follows:
- the header of the document contains the addressee's data: full name, address, contact number, as well as data where and to whom the document is sent;
- the application can be drawn up in any form, and it must contain data that a particular debtor is obliged to pay alimony on the basis of an agreement;
- data that the organization is obliged to withhold a percentage from the payer's salary;
- a request is indicated that the applicant wishes to receive the withheld funds to the current account opened with Sberbank, indicating all the details. =;
- the document is secured by the personal signature of the originator or his representing person.
At the same time, a package of documents must be attached with the application: a copy of the passport, a certified copy of the voluntary agreement, a bank statement with details for transferring funds.
How to pay child support through Sberbank?
In order to avoid mistakes and inaccuracies in the implementation of the translation, it is enough to remember some simple steps:
- apply to the nearest branch of the bank with a passport and a personal card of the client;
- make a payment and choose one of the transfer methods, while you should know the recipient's personal account and all related bank details;
- get a receipt and keep it.
How to send cash at the checkout?
To organize alimony payments through the cash desk, you will have to visit a branch of Sberbank regularly every month.
The transfer is guaranteed to be made if the prospector has a card from Sberbank:
- the payer provides the cashier with passport data, and then informs about the purpose of the transfer, the recipient's data and the account or card number where the funds will be received;
- a bank employee draws up all the documentation and performs an operation, after which the person receives a payment document - a check or receipt.
Another method of transfers through branches is a special service, in which transfers will be made regularly, based on a long-term order from the sender.
When choosing this service, an employee of a credit institution will monthly transfer a certain amount of money for repayment or simply alimony transfer on a certain date.
At the same time, the payer himself may not visit the bank every time. This service is especially relevant for those who systematically travel abroad or do not have free time.
Transfer from card to card
This option is ideal for those who have personal card Sberbank, as well as a valid personal account in the service. The transfer can be made both to the card of the recipient of this bank, and to another current account.
If the recipient also has a Sberbank card, then the payer will not have to pay a commission for the transfer. In other cases, for card-to-card transactions, the payer pays the commission. The amount can be different - from 30 to 1000 rubles, depending on the amount of the transfer.
This translation can be done in online system organization, and using the self-service terminal. To do this, it is enough to have a bank card with you and know the recipient's personal account. When transferring, the system will require confirmation via SMS code, after which the money will go to the recipient's account.
It is important to understand that if money is transferred to the prospector from a card that does not belong to the payer, and it is not issued to him, then it is impossible to prove the fact of payment. Therefore, transfer from card to card must be performed only from a personal card.
How to pay through the terminal?
The advantage of using terminals is that they can be used at any time of the day, just by finding the right device.
The operation is performed as follows:
- it is necessary to insert a card into the receiving slot of the unit and dial the PIN code combination;
- a menu will pop up on the screen where you should find the item "Payments and transfers";
- select the "Transfer funds" box and fill in the empty cells;
- indicate the amount of the transfer and the number of the current account in the form;
- confirm the operation and wait until the receipt is printed.
It is necessary to work with the terminal carefully, because if you make a mistake at the stage of entering the PIN code, after three incorrect attempts the card will be blocked.
How to transfer money through the Sberbank Online system?
Online money transfer — new opportunity realize Bank operations in Sberbank. The paying client only needs to register a personal account and make all alimony payments in it.
The algorithm for making a payment is similar to an ATM:
Under what circumstances does the obligation to pay child support arise? How to send money through a bank correctly and what details must be taken into account when making a transfer is indicated in this publication.
Grounds for the calculation of alimony
Alimony payments can be transferred both for the maintenance of minor children and incapacitated ex-wife or . The determination of the amount and timing of sending funds is expressed in an agreement voluntarily drawn up by the parties. If it is not possible to draw up such, as a result of the consideration of the case on the claim, the court makes a decision. On the basis of this document, a writ of execution is issued, subject to presentation to the accounting department of the alimony, in banking institution or to the bailiffs.
In practice, there are situations when a father, ex-spouse or child sends funds to bank details, but later finds out about the accumulated debt. In addition to the conscientious fulfillment of the obligation to maintain the wards, it is also necessary to make transfers correctly, in compliance with the requirements of the law and the rules for making bank transfers.
How to file alimony through the bank
If the parents have agreed on the conditions for the provision of child support, they must conclude written contract. It should reflect the amounts and periods for the transfer of funds. The document must be notarized, otherwise it will not have legal force. This means that when finding out what the funds were sent to, it turns out that the money was received as a gift or material assistance for the child. In this case, the debt on alimony will be outstanding.
Paying alimony through a bank has advantages over, for example, transferring maintenance funds personally. As a result, he will be able to prove the fact of payment as intended by providing written sources - receipts and checks. In the case of obtaining receipts, the transfer of money specifically for alimony is quite controversial and can be challenged in court. Apart from total debt then an obligation to pay a penalty on the unpaid amount may arise.
Money is sent through the bank in the following ways:
- at the operating cash desk;
- when using a terminal or ATM;
- from card to card or account in a credit institution online in the personal account of the bank;
- through company accounting.
To make a transfer, you must contact any financial institution. The operator is provided with a document on the basis of which the funds are transferred: a judicial act or a consent certified by a notary. If the decision or agreement does not contain bank details, they are transferred. The transfer receipt must reflect on what basis the money is transferred, indicating the number and date of the decision or the date by which the agreement was drawn up and certified by a notary. You should present your passport to the bank branch, and a savings book if payment is made from accumulated funds, or cash.
To speed up the transfer procedure, the use of ATMs or terminals is allowed. To explain how to correctly make a payment to the payer will help the employees involved in servicing the payment machines. It is better to turn to their help in order not to make an additional payment on another payment order and enter everything necessary information complete and correct.
Transfers are also available via Internet communication means: computer or phone. To use them, you must connect your personal account online. The service is activated at bank branches, and a set of pin codes is issued for its use. If the payer uses mobile service, a certain monthly fee is charged. For example, in Sberbank the cost of the service is 60 rubles. monthly. You can transfer money from any funds registered in the system: or a credit account, plastic card, savings book. The purpose of the payment is also prescribed in the mandatory field: for the payment of alimony by a court decision (agreement) in the name of the child. The date of preparation of the document is indicated, it is desirable to prescribe the payment period: month, quarter, year, etc.
The most popular and convenient among the population are settlements using the means of payment of the Savings Bank of Russia due to the presence of a wide network of branches throughout the country.
In the latter case, it is enough for the alimony payer or the second parent or guardian to submit an application for the repayment of alimony from wages. The document must be accompanied by an agreement on alimony, a court order or decision, bank account details of the recipient of funds.
When money arrives on the employee’s personal account, salary or bonus, vacation pay, the accounting staff writes it off without notification and permission of the employee.
The transfer of alimony through the bank is carried out by drawing up a payment order. The form is filled out as standard, indicating the details of the recipient of money for the child. In a similar way, it is also possible to transfer money to or a storage plastic card.
How to pay child support through the bank: tips
- Please note that if funds are transferred to an account opened in another financial organization transfer fees may apply. Specify the cost of the service before transferring, calculate the amount to be paid. If the commission is included in the total payment, then there will be a possibility of formation at the expense of bank fees.
- When transferring funds in terminals, there is a commission. Its size is quite high, usually from 1.5 to 3% or more. This money will be deducted from total amount translation.
- As in the case of a transfer through the cash desk of another bank, there may be a shortage in sending alimony. In this regard, it is recommended to send money through ATMs of the same credit institution where the recipient's account or card is opened. If the fee will be collected, but the minimum - usually from 100 rubles. per transaction or from 0.8%. The cost of services of a certain means of payment is indicated on the website of the organization that owns the terminal.
- When opening a card for the payment of alimony, find out if the bank works with credit institution, in which the account or "plastic" of the recipient of funds is registered. There are organizations that refuse to cooperate and carry out certain details.
- When transferring online, keep all electronic receipts in hard copy. In the event of disputes or with a long period of payments, it is recommended to take printouts from the bank, since information can be lost through the Internet or not match the sources, which is typical, for example, for Sberbank.
- You can set up payment for a specific day by connecting the auto payment system. This can be done both in the online system and the bank operator.
- Sending money through the system is carried out in the shortest possible time. The process usually takes 1-2 hours. Delays may occur on weekends and holidays. For comparison, when transferring through an operator, the time to process a payment takes 2-3 days.
- In the payment for the transfer, the word “alimony” must be written so that the other party cannot declare delays and payments on account of material assistance, and not maintenance obligations.
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