Setelem Bank how to pay off a loan. Pay for the loan with a network network via the Internet with a bank card
Today there are hundreds of financial institutions operating in Russia, Cetelem Bank is one of them. In 2013, the Central Bank of the country issued him a license to carry out its activities. This organization offers its clients a wide range of services, including loans. Because of this, borrowers have the question of how they can pay off the loan with Cetelem Bank and which method is more convenient.
Where can I pay
In order to make payments on loans in this financial institution, you can use remote methods, using a computer or smartphone, as well as visit the branch in person. It is worth considering the most popular deposit options.
Setelem has a wide branch network
System "My Bank"
To pay for a loan taken from this organization, you can also use the "My Bank" service, which is located in your personal account. The authorization process in it requires you to enter the following information:
- Loan document number.
- Your passport details.
- The number specified in the loan agreement.
A feature of this service is possible payment credit by credit card owned by any financial institution. The size of the commission in this case depends on the type payment system:
- 1.6% if payment is made with a Visa card;
- 0.8% when payment is made via MasterCard.
There is a possibility of debt repayment through mobile application, also called "My Bank". With its help, you can make a payment, as well as see the schedule according to which the debt is repaid, or use other functions.
Through the cashier
Another payment method is depositing funds through the cashier of the nearest branch. In this case, the loan is repaid at Cetelem Bank without commission. You can also contact Sberbank, where you can make the appropriate payment. But here a small percentage will be charged, the amount of which is determined by the size of the transfer being made.
Through Sberbank Online
A popular way to pay a loan over the Internet is to use the online banking of the largest state bank... However, the main condition for this is the presence debit card Sberbank, as well as connected Internet access services. In addition, for the first payment, you may need to enter the details, and on the basis of this, create a template for subsequent operations. So, after entering his personal account, the client needs:
- Open the section "Payments and transfers".
- Enter name the right bank in the search or his TIN.
- On the page that opens, click on the corresponding logo of the financial institution.
- Now a form opens, in the fields of which you will need to indicate the number of the account to which the transfer is made and the data of the agreement. After that, the card is selected from where the funds will be withdrawn.
- Then you need to click "Continue" and the bank details and the borrower's data will appear. If the information is correct, the amount of the payment being made is entered at the bottom, after which the "Pay" button is pressed.
- At the end, you should wait for an SMS message with a confirmation code. It should be entered into a special field and the operation completed.
Login to the "My Bank" system
When making a payment through Sberbank Online, the duration of the transaction varies from a few minutes to 3 working days.
It is important to note that the payment is considered paid not at the time of debiting the funds, but when they are credited to the specified account.
Auto payment service
In order not to manually drive all the payment data into Sberbank Online every time, all this information can be saved, thereby setting up automatically monthly payment... This can be done in the "Auto payment" section. For this purpose, all the same data is entered as for a one-time payment. This allows you not to worry about possible delays, simply by observing the availability of the required amount of funds on the card account. The auto payment itself is as follows:
- a day before the date specified in the template, the client receives a message warning him about the preparation of the payment;
- on the appointed day, the funds are transferred, and I also notify the borrower about this by SMS.
Such an algorithm is necessary in order to cancel the operation, if necessary, when there is no longer a need for it. If, at the time of the procedure, there are not enough funds on the account, a notification about this also comes to the owner.
Payment terminals
Another payment option is the use of Eleksnet terminals. They allow you to deposit funds without charging a commission. The procedure is as follows:
- the corresponding Bank is in the search;
- then indicate the number of the concluded agreement, and then the account where the funds are transferred;
- use the terminal to deposit cash and make a payment;
- at the end, you need to receive a check that confirms the payment.
Usually, funds are received within 4 days from the date of their deposit. In addition, you can use the electronic wallet "Eleksnet", which also allows you to design a template for making a quick payment in the future.
other methods
When the above methods of debt repayment are not suitable for a person or are not available, you can use alternative options.
Payment systems
The most popular are "Rapida" and "Zolotaya Korona". There is an opportunity to make a payment through them in various retail chains, which include:
- Euroset.
- Messenger.
- Eldorado as well as others.
To do this, you will need to take a contract and a passport with you, and to pay in Euroset also a mobile phone. Payment processing time is about 2 days. The size of the commission usually does not exceed 1%.
Through "Rapida" you can transfer up to 15 thousand rubles, and using "Zolotaya Korona" not less than 100, but not more than 600 thousand rubles.
Communication salons accept payments for loans
QIWI wallet
When a person has an account in Qiwi, this gives him the opportunity to also pay the loan taken from the Setelem Bank. For this purpose, he does not need to go anywhere, however, he needs an Internet connection.
After the transfer, the money is credited to the bank account within 3 banking days... Along with this, a commission is removed, amounting to about 1.6%. The amount of the payment cannot be less than 50 or more than 15 thousand rubles. If you need to pay an amount in excess of this, you will need to make several transactions.
Registering your own Qiwi wallet is easy. To do this, you need to have a SIM card from a Russian operator.
Post office
This method is suitable for residents of remote regions, as well as small settlements. But funds deposited in this way come to the bank account only after 10 days, and the commission is 1.7% of the amount, but not less than 40 rubles. For payment, you must submit a loan agreement, as well as your passport.
Salary deduction
When a person has a permanent place of work, where he receives a fully official salary, you can agree with the accounting department so that they send part of the money from wages on account of payment of loans.
For this, the employee must write an appropriate application. By job description, the accountant will transfer part of the funds immediately from the company's account to the bank to pay off the loan debt.
Therefore, you can repay the loan, not only by making contributions through the bank where it was taken. For this, it is possible to use other financial institutions, as well as use various means of remote access.
Cetelem Bank opened in Russia in 2007. To date, the organization is an extensive network of offices throughout Russia. Therefore, those who are going to take money here should find out what the instructions are that allow you to pay a loan by Setelem Bank through Sberbank Online, as the most famous bank and a service that is gaining popularity among users.
Step-by-step instructions on how to pay a loan from Cetelem Bank through Sberbank Online
To make a payment through this service, you must have a Sberbank bank card. Usually, when it is issued, the data for access to the personal account is provided. With their help, you should log in to the system. After that, in Sberbank Online, you can perform any financial operations, including paying for a loan. Step by step algorithm action looks like this:
- In the main menu, you should find the "Transfers and Payments" section.
- Next, you need to find a tab called "Repayment of loans in another bank."
- In the form that opens, indicate the name and details of Cetelem Bank, enter the account or card number from which the debiting is made and the amount of the monthly loan payment.
- After checking all the data, you need to click on the "Pay" button.
- The phone will receive a message containing a special code, which must be specified in the payment form to confirm and complete the operation.
All steps are completed in just a couple of minutes. And in the future, they will be performed even faster, since the system will automatically remember the data and save it in the template. However, this method is available only to those users who have a bank card and who are Internet users.
For those who do not have access to a virtual network, modern technologies and Sberbank still allow them to make a payment without standing in line at the checkout. Then payment is made through the terminal. Step-by-step instruction in this case, it is similar to the steps that are performed in the online service, but they also have some peculiarities. It is as follows:
The machine does not issue change, but the remaining money can be credited, for example, to a phone number. Holders of a bank card can similarly make a non-cash payment in an offline mode through an ATM.
In addition to the service available for a stationary computer or laptop, the bank offers its clients mobile version that can be downloaded to your phone. Then financial transactions can be easily performed anywhere, when there is a free minute and access to the Internet.
But even if there is no access to the virtual network, then there is the possibility of making payments when necessary, if you connect the service " Mobile bank»And have a phone with you. Operations will be performed through messages. First, you should send an SMS to number 900, in which you should indicate the name of Cetelem Bank, the account number and the amount to be paid. In response, you will receive an SMS with a request to confirm the payment. The user only needs to send a message confirming the operation. That's all the guide, how the next payment is made in stages. As you can see, it is very simple.
Auto payment service for setting a regular payment
Important! The service has such a convenient service as "Autopayment". It can be configured if you need to pay the same bills from time to time. This method is ideal for loan repayment.
When setting up, you need to specify the organization in whose favor the write-off will be carried out Money, card number, if the user has several of them, time, and also the amount. Then a few days before the automatic transaction, the cardholder will receive a message on his mobile phone. If necessary, the payment can be changed or canceled, either one-time or completely. It is noteworthy that no additional commission is charged for this service, and the user can always stop worrying about not forgetting to pay again on time.
To pay for loans to borrowers, Cetelem Bank has access to the entire network of ATMs and self-service devices of Sberbank. In addition, there are other ways to repay loans. Read about how to pay off a loan with Setelem in the article.
Cetelem Bank: loan repayment in the offices of the organization
The bank's website contains an information map, by which it is possible to determine the location of offices in a particular locality.
To repay the loan, the bank branch has access to the Internet resource "My Bank". Cash payment is not provided.
How to pay a loan by Cetelem Bank in payment terminals and ATMs
The availability of payment terminals and ATMs makes the procedure for repaying loans by Setelem Bank quick and easy. Payment is accepted by Kiwi terminals, as well as ATMs and self-service devices of Sberbank.
Qiwi service allows you to deposit cash by number loan agreement... The maximum contribution is 15 thousand rubles. Payment crediting - no later than 3 days from the date of payment. The commission is from 1.6% of the amount of the contribution, but not less than 100 rubles.
Numerous terminals of Sberbank allow you to pay off the debt on the Setelem loan without queues and paying a commission. To transfer funds, the borrower must have a Sberbank bank card. The operation is performed in the menu item "Repayment of loans from other banks". In the list of organizations, select "Cetelem Bank" LLC. Terms of enrollment from - 1 to 4 days.
Bank Cetelem: pay a loan online
A borrower who has taken out a loan at Setelem Bank is able to use the My Bank Internet resource. Login to Personal Area is carried out by entering the number of the loan agreement of the series and the passport number and mobile phone number. Debit is available from Visa cards or MasterCard of any bank. In the first case, the commission is 2%, in the second - 0.8% of the amount. Maximum size one payment - 75 thousand rubles. There is no limit on the number of payments per day. The money is credited to the credit account within 3 days.
Setelem borrowers who are Sberbank's clients repay loans through the Sberbank Online service. The transfer operation is free. The maximum transfer time is 4 days. It is possible to use the "Autopayment" service.
Cetelem Bank: loan repayment in other ways
- Qiwi e-wallet. Commission - 1.6% of the transfer amount, at least 100 rubles. Maximum amount payment - 15 thousand rubles. The money is credited to the account within 3 working days.
- Eleksnet payment system. Transfer fee - 1.5% of the amount, at least 50 rubles. The maximum write-off amount is 15 thousand rubles. Time for transfer is 4 days.
- Rapida payment system. Commission - 1% of the amount, at least 50 rubles. (in Technosila stores - 60 rubles, M.Video - 65 rubles). The maximum payment is 15 thousand rubles. Money on the account - within 3 days. The exception is the 7th and 17th of the month. If paid before 15:00 on these dates, the amount goes to the destination on the same day.
- Postal transfer. Commission - 1.7%, at least 50 rubles. Money must be sent 10 days before the payment date.
- Bank transfer to others credit institutions... The commission is charged at the rates of the banks.
- Making a long-term order in Sberbank to transfer funds from the borrower's card.
Bank Cetelem: early loan repayment
Full early repayment of the loan is available in the "My Bank" service. The amount is calculated automatically.
For partial early repayment loan, the client needs a month before the date he has chosen to call " hotline»The bank (8 800 50 05 50 3) and notify the employees about the closing of the loan. Funds must be deposited in the account by the maturity date.
The amount consists of a monthly payment, the amount of partial early repayment and accrued interest.
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