Raiffeisen commission for transfer to another bank. Transfer from card to card Raiffeisenbank

Depending on the method of carrying out a transaction on a card from another bank, it will be different. A transaction carried out independently will cost less than one carried out through a cash register.

Do-it-yourself transaction

Sberbank actively stimulates the financial independence of clients. They have at their disposal a wide network of self-service devices (ATMs and terminals), the Sberbank Online Internet service, including a mobile version, and the Mobile Bank service for mobile phones.

When independently transferring money from a card issued by Sberbank (both debit and credit) to a ruble card of another bank in favor of a legal entity, the commission will be 1% of the amount, but not more than 500 rubles. Tax payments and payments to charity will be processed without commission.

Bank cards for legal entities are issued, as a rule, to already opened current accounts, drawing up appropriate agreements. Therefore, the funds are sent directly to the bank account.

The commission when transferring money from a Sber debit card to a card of another bank in the name of an individual using a current account number is equal to:

• 1%, but not more than 1,000 rubles, if the transaction is made in national currency;
• 0.7% (minimum US$15, but not more than US$150) if the transaction is made in a foreign currency.

Sber will not make transfers using the card number. Writing off funds from credit cards to debit cards of individuals is prohibited. Transfers from Sberbank to Raiffeisen, Otkritie, MKB and other banks without commission when registering a payment through a cashier, or when registering independently, are only possible in national currency; in foreign currency, the service is not provided.

When transferring money from a Sberbank card to a card from Raiffeisen and other banks in favor of individuals, no commission is charged either when paying through a cash register or through remote payment systems, if these are transactions aimed at paying obligations under the terms of target agreements, as well as for charity.

Transfers involving a cashier

The commission for a transfer from a Sberbank card to a card of another bank in favor of a legal entity through the cash desk of a structural unit will be:

• 2-3% in favor of legal entities, including non-tax payments to the budget and extra-budgetary funds;
• 1-3% when paying for housing and communal services, as well as under agreements for the provision of information technology services, including mobile communications and the Internet.

The maximum commission for transferring money from a Sberbank card to a card of another bank in this case is 2,000 rubles.

If the transaction is carried out at the cash desk, the client is required to present his passport to the cashier.

Sberbank does not withhold commission for transfers to a card of another bank when transferring:

• taxes and fees;
• for charity;
• on collection orders in the presence of writs of execution;
• credit funds, as well as own funds according to the terms of targeted loans.

The amount of the commission for a transfer from a Sberbank card to a card of another bank by account number in favor of an individual corresponds to:

• 2% of the transaction amount, but not less than 50 rubles, although not more than 1,500 rubles if the transaction is carried out in rubles;
• 1% of the amount (minimum 15 US dollars, maximum 150 US dollars) if the transaction is foreign currency.

The owners of plastic cards are tens of millions of citizens, most of whom hold products from several financial institutions. Financial transactions between banks are carried out almost instantly. How to make a transfer from Raiffeisen to Sberbank? The operation is available in several ways. Speed ​​and fees will depend on the method you use to send money.

Transfer funds from Raiffeisen to Sberbank

Clients of a bank with a yellow logo can transfer money to Sberbank card holders in several ways:

• use the Internet without leaving home;
• through a terminal or ATM;
• visit a Raiffeisen Bank branch;
• using a mobile phone.

The first and last methods allow you to make a transfer in a matter of seconds, without leaving anywhere. To operate, you only need an available Internet connection. A significant advantage of these options is round-the-clock access to the services of a credit institution.

Translation via Internet connection

To enter your personal account, you need to enter an individual login and password. Next you need to follow the instructions:

• click the “Translate” item at the top of the screen;
• click on the section “From card to card”;
• select your account on the left from which money will be sent;
• on the right side of the screen the number of the Sberbank card of the receiving person is indicated;
• The amount of the money transfer is entered under the Sberbank plastic number;
• After entering the required data, click the command below “Translate;
• enter the one-time code received on your cell phone in a special field to coordinate the action.

For future translations, it is recommended to save the entered information as a template. When you enter the amount of funds transferred, the service automatically calculates and indicates the commission fee. If the transfer is made in a foreign currency, the conversion rate is displayed on the screen.

ATM

Terminals and ATMs of Raiffeisen Bank allow you to transfer finances to holders of Sberbank plastic. The translation steps are as follows:

• enter your Raiffeisen Bank card and enter your PIN code;
• click on the money transfer item;
• choose Visa or MasterCard;
• confirm the specified conditions for making the transfer, then click “Continue” on the screen;
• indicate the status of non-resident or resident;
• enter Sber card details;
• dial the amount of funds sent;
• once again check the entered data displayed on the screen for final verification;
• agree on confirmation of the procedure, pick up the receipt.

Mobile phone

Another way to quickly transfer funds from Raiffeisen to Sber. The user needs to log into the installed application, click on the transfers and payments section. Further actions proceed as follows:

• select “By card number” in the menu;
• indicate the account from which the money will be debited;
• enter the card number of the recipient;
• Enter the transfer size below;
• the procedure is supported by clicking the “translate” item;
• enter a one-time code to confirm the operation, received on your cell phone via SMS.

After entering the transaction amount, the service automatically shows the commission amount and conversion when making a currency transfer. There is a limited time for entering the confirmation code.

Bank branch

A reliable option for sending finances, but the most time-consuming and costly. The Raiffeisen Bank card holder needs to personally visit the institution’s office with a passport and Sberbank plastic details.

Raiffeisen clients should consider:

• a transfer made on Friday afternoon may be delayed until Tuesday morning;
• a transaction of a serious financial amount or currency will require a long waiting time of up to one week;
• transfers made during the pre-holiday days are increased by the number of days off.

Deadline for receiving money on the card

How long you will have to wait for the transfer of funds to Sber plastic depends on the tariff, type of payment system and transaction method. When using the Internet, the time for receiving funds will be up to five minutes for Visa card holders. MasterCard credit card holders can receive funds within two days.

A transfer made before eight pm Moscow time usually arrives on the same day. The expectation of receipt of money sent after this hour or on Sunday is postponed to the next day.

Maestro card holders will wait longer for the transfer than owners of products from other payment systems. When sending money, you will need to provide Raiffeisen bank details and account number. The enrollment period will be up to five days.

Transfer by phone number

Constantly improving, Raiffeisen introduced a new service - sending money to a card by phone. With this method, you will not need to indicate the account number or plastic card of the receiving person. The service is available for interbank transfers, which greatly simplifies the procedure for many citizens. You can transfer money in this way to any Visa, Maestro, MasterCard and MIR products. You can transfer money only to cards issued by Russian financial institutions.

The client should log into the official Raiffeisen website and select the “Useful” or “Maps” section. Next you need to click on transfers by card/phone. The sender indicates the number of his Raiffeisen product, enters the phone number of the receiving party, and the transaction amount.

The service is carried out on the basis of MasterCard, so the recipient will be sent an SMS with a link to this payment system. The owner of a Sberbank card will need to enter a one-time code and dial the plastic number on this portal. All that remains is to accept the incoming payment. After completing the process, the Sber client can secure his card for future transfers.

Commission fee

The fee for sending funds for Raiffeisen clients is as follows:

• if the recipient is a holder of debit products - one and a half percent of the transfer amount, but not less than fifty rubles;
• the credit card holder will lose three percent of the transaction amount plus an additional three hundred rubles.

Despite the improvement of the system of interbank transactions, the topic related to the speed of money transfer remains a “sick” issue. It really is not clear why in some cases funds reach the addressee almost instantly, while in others you have to wait several days? Let’s narrow down the topic a little by studying in detail how long it takes to transfer money from Raiffeisen to Sberbank. We will be interested in the speed of transfer from card to card, the speed of transferring money through the cash register and much more. Stay with us.

A ruble transfer from a Raiffeisen card to a Sberbank card can arrive instantly, or maybe within 3 business days, and it’s hard to say what it depends on. According to the rules, verification by all security systems of a third-party bank’s money transfer, Sberbank, is carried out within a maximum of 3 business days. But delays of up to 5 working days are allowed.

If after five business days the money has not been credited to the card, you need to file a claim with the Raiffeisen branch and find out the reason for the failure of the banking mechanisms.

Currency transfers from a Raiffeisen card to a Sber card may be delayed for up to 7 working days. Especially if the transfer amount exceeds $500. Sberbank reserves the right to conduct a physical verification of the transaction, which may take a little longer.

Some clients think that if they make the same transfers from card to card regularly, banks will process money faster. This is actually a misconception. Standard automatic checks of translations are carried out constantly, full physical checks are done randomly. This means that if your transfer is subject to a full verification procedure, you will have to be patient; the money will not arrive instantly, although it will be immediately written off from the Raiffeisen card.

Through the cash register

If you send money through a Raiffeisen Bank cash desk to a Sberbank account, then Raiffeisen specialists will spend up to 1 business day processing the transfer. It will take another business day to credit the money to your Sberbank account, and then 2 business days. This is in an ideal situation. In fact, funds may be delayed.

1. If the transfer was made on Friday afternoon. In this case, funds may not arrive until Tuesday morning.
2. If the transfer was made on holidays, then you need to add all these holidays to two working days. For example, if March 8 falls on a Wednesday, and the transfer was made on Tuesday, March 7, then the money should be expected no earlier than Friday, or in more rare cases, no earlier than Monday.
3. If a large amount is transferred in rubles or foreign currency by a legal entity, the transfer may be delayed for up to 1 week.

If an error occurs

Sometimes Raiffeisen Bank employees make mistakes when entering client data. As a result, the money transfer may be sent to the wrong address. Fortunately, the system is always monitoring the person, checking the correctness of the entered data and comparing it with the data contained in the database. If incorrect payment details were entered and the employee did not notice this in time, the system automatically freezes the transaction and notifies the bank employee about this.

If it is impossible to repeat the transaction without the client, the bank is obliged to notify the client that the transfer cannot be carried out due to an error. In this case, the client has the right to refuse the transfer or repeat the operation again, providing the bank employee with all the necessary data. If it is not possible to notify the client, the bank keeps the transaction in frozen status for up to 7 business days. If during this time the client does not contact the bank himself, the transfer is canceled and the funds are returned to the client’s account.

Today, a situation is increasingly common where one person is a client of various banking organizations and owns their products. In such cases, it may be necessary to transfer money from a Sberbank card to a Raiffeisen card or another bank. You can make a money transfer through online banking, an ATM, or by contacting an employee.

select the item “Transfer to a client of another bank”;

indicate the card number issued by Raiffeisen;

click on the plastic card from which you want to debit funds;

enter the transfer amount;

check that the form is filled out correctly;

click the “Translate” button;

Confirm the operation using the password that will be contained in the SMS received on your cell phone.

Important! If you need to make the transfers in question constantly, you can use the “Template” option; in this case, you will not need to enter the details and fill out the form each time. If the payment amount changes, this field is subject to adjustment.

go to the line “To another bank”;

press the “By map” button;

indicate the amount;

check the correctness of filling;

click “Translate”;

At bank branches

Money transfers between many banking organizations can be made with the help of a specialist. To do this, you need to visit the bank and contact the cashier. When it comes to transfers from a Sberbank card to a Raiffeisen card, this method cannot be used.

What difficulties may arise

Difficulties that arise for bank clients when performing the payment action considered are associated with the period during which the money must arrive in the recipient’s account. When a person sends funds, he hopes that the transaction will be completed instantly, forgetting that the bank has set a maximum period of five business days.