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Almost every adult is connected with loans, mortgages and other debt obligations, their monthly payments take a sufficient amount of energy, because you need to get to an ATM or bank branch, prepare money in advance or look for an opportunity to withdraw it from the card, stand in lines or understand the complicated instructions on payment. Not so long ago, another option was added to the services of the Mobile Bank - the ability to pay a loan from Sberbank. This was another good news for regular customers, because now payment of a debt takes only a few minutes and requires only a mobile phone. How to do this - now we will tell you more.
Using Mobile Bank
This service is available only to those customers whose card is issued in the same branch of Sberbank as the loan, this is important! Otherwise, you will not be able to pay via SMS.
Also himself the loan must be with a differentiated payment.
Naturally, a bank card must be connected to the Mobile Bank (read how to do this).
The main thing when using the Mobile Bank is to carefully send messages with all the details, double-check them and read the instructions that come in the response SMS messages. In most cases, this is enough.
If all conditions are met, then a message of the following type is sent to the general short number 900:
LOAN ACCOUNT NUMBER CARD NO.
- CREDIT - a required query word; it can also be written in Latin letters.
- Account No. - account number consisting of twenty digits, which is indicated in the loan agreement.
- amount is your monthly fee.
- Card number – last numbers.
For instance:
LOAN 12345678912345678912 25000 1234
In the event that you did everything correctly and the payment is completed, a message from a bank of this type will be sent to your number:
Via SMS
In a similar way, you can pay off credit debt or find out about their availability.
This service is available only to those customers whose card is issued in the same branch of Sberbank as the loan, and at the same time it is with a differentiated payment.
If you want to know your debt, then a message is sent to 900 with the following text:
CREDIT Account No. Card No.
- CREDIT - a required query word, you can use the Latin word instead
- Account No. - account number consisting of twenty digits, which is indicated in the loan agreement
- Card number – last figures
For instance:
LOAN 12345678912345678912 1234
If there is a debt, the bank will respond with this message:
In this message, for security reasons, the bank suggests using a confirmation code, which must be sent in a reply SMS. In addition, be careful and know that Sberbank never sends any messages about the cancellation of operations!
If your payment is successful, Sberbank will respond as follows:
Remember that all SMS messages to 900 are paid in accordance with the tariffs of your service provider and are not free.
Repayment of a loan through the Mobile Bank is a fairly simple and quick operation that does not require any additional efforts - there is no need to look for ATMs, bank branches, stand in lines, there is not even a need to connect to your Personal Account in Sberbank Online. To do this, just know the number of your loan agreement and have a mobile phone with a constant signal. At the modern pace of life, such services save time and effort and spend them on more important things. And if you also connect Auto Payment, then these moments will fly by unnoticed and unobtrusively, because payments will be carried out automatically.
To create a perfect credit history, it is extremely important to pay your loan obligations on time. If the money for paying the loan is prepared and is on the debit card, there is nothing easier than sending it to the write-off account. There are many ways to do this, and we will definitely mention them, but we will pay special attention to how to pay for a Sberbank loan through the Mobile Bank.
Mobile devices are always with us. Some do not part with them 24 hours a day. No wonder that various mobile applications in a matter of years have conquered a huge market. More and more financial transactions are carried out using mobile banking applications, and Sberbank is trying to get ahead of competitors in all respects. The Mobile Bank developed within the framework of Sberbank PJSC allows you to make hundreds of various operations, including paying a loan at Sberbank and in any other bank in general. How to do it?
- Log in to the Mobile Bank.
- Find the "Loans" section, enter it.
- A list of your loans will appear. Choose the one that needs to be paid.
- We find the interactive button "Pay loan" and click it.
- Next, indicate the amount of payment and the card from which you want to write off the money.
- We verify the correctness of data entry and confirm the financial transaction.
Sberbank loan payment is carried out without commission, but when paying loans of third-party banks, a commission of up to 5% can be charged.
We pay through a self-service device
It is very simple to pay a loan to another bank online through the Sberbank mobile application, but not everyone has this application installed, and Sberbank ATMs are very common, and it will not be difficult to find such an ATM. We approach the ATM, insert the card with which we will pay the loan and enter the pin code.
Then we get to the main menu, where we should choose the section "Repayment of the loan." After that, we get to the page where you need to enter data about your loan. If you take a loan from PJSC Sberbank, it will appear on your ATM screen, if you need to enter a twenty-digit account number on another bank’s loan, after which the device will display the loan data. Click "Next" and get to the payment page, where you need to specify how much money you need to pay.
At the next stage, the system will offer to debit the money from the card or pay in cash if the ATM accepts this cash. We confirm the operation and print the check without fail. We pick up the card and go about our business.
Automatic payment
In some cases, people turn into “malicious defaulters” due to their phenomenal absent-mindedness and forgetfulness. One loan is often forgotten, and if there are 5 of these loans, then there’s nothing to say. How to be Train your memory? Of course, memory training is a good thing, but you can solve the problem in another way, for example, by connecting AutoPayment. What kind of service is this, and what advantages does it give to payers of several loans?
Car payment based on the name is a service for automatic repayment of user-defined obligations. On the desired date, funds will be debited from the card automatically and transferred to the credit account. Why is this service worth connecting?
- The client does not need to remember when he needs to pay the loan, the main thing is to leave the necessary amount on the write-off card, and the system will write it off when necessary.
- Write-off of funds is carried out with a minimum commission (for a loan of another bank 1%) or without it.
- If you have a Mobile Bank connected, the system will notify you by phone about all upcoming and completed transactions with the Auto Payment service.
- This service can connect any client of Sberbank for free.
Not everyone is ready to trust technology in such a sensitive issue as paying a loan, but it must be said that if a failure occurs in the AutoPayment service, the client will be able to easily prove that the payment of the loan was broken not through his fault, but through the fault of the service. If you are interested in Auto Payment, connect it and start using it, most likely you will like it. You can connect Auto Payment: in the Sberbank Online system, in any branch of Sberbank, through the Mobile Bank application, through the Sberbank self-service device.
So, how to pay off your own loan using the Sberbank phone application, we figured it out. This is not difficult at all, you just need to figure it out a bit, of course, with our help. Good luck
It should be noted right away that you can pay a loan using this service if you have the technical ability in this region. You can clarify this information with the bank’s specialists. To make the payment of the required amount, from a Sberbank personal card using a “mobile bank”, you need to send a message to a special number 900. The message format is: “Credit of the loan account number 09876543210987654321 2500”, where the first set of numbers is the account number that can be found in the agreement , and the second set is nothing but the sum.
There are some restrictions when repaying a loan using this service. First, both the loan account and the card account must be in the same territorial bank. Secondly, you can repay a loan only if it has a differentiated form. Thirdly, in foreign currency can be repaid only if the user is a borrower, co-borrower, recipient or pledger. If all these points are met, an SMS alert will be sent to the payer’s phone number.
Procedure for making a loan payment
It is immediately worth noting that this service is available only in territorial banks and only if there is adequate security.
- The payment scheme is as follows:
- Sending an SMS message to the bank to perform the repayment operation of an existing loan;
- Delivery of a reply SMS message from the bank, which contains the transaction confirmation code with all the relevant details.
Confirmation of the operation by sending SMS to the "mobile bank".
The procedure for making a loan payment using the “mobile bank” service in case of debt is as follows:
“Credit number of the loan account 0876543210987654321 4500”, where the first part of the digits is nothing more than the number of the loan account of the contract, which can be found in the contract, and the second part of the digits after the gap, the amount paid by the payer. If there are several cards with the payer, it is necessary to indicate the last 4 digits of the card on which money should be put. If necessary, the parameters in the message can be separated by the following characters: "#", "", "-", ".".
There are certain restrictions on the payment of existing debt using the mobile bank service.
- A loan and bank card account must be located within the same territorial bank;
- Access is available only to persons whose credit is open in a differentiated form of repayment;
- Repayment of debt in foreign currency is allowed only for the client of the borrower, guarantor, pledger or co-borrower; in other cases, payment is not possible at Sberbank;
- If a client finds a debt, Sberbank sends an SMS code that must be saved using the “mobile bank” service;
- Next, it is up to the client, who needs to pay the debt after some ATP notification with the code from the bank by sending a response ATP message with the code to special number 900.
- Upon successful completion of the operation, the bank will send a message stating all the details of the payment.