In the permanent environment of our modern society, it is often necessary to resort to mobile communication services. Depending on the tariff plans of cellular providers, the intensity of calls and the time spent, as well as on a number of services such as sending SMS and MMS messages or using mobile Internet, it is required to replenish the balance No. on the phone in a timely manner. There are different ways to transfer money to the phone, including those that do not involve third-party participation or intervention. For example, making transfers from the owner's debit plastic card.
In our world, having debit and credit cards is commonplace. Employees of any institutions, factory workers, people who are registered for unemployment or have reached retirement age - everyone has at least one individual card account, to which, one way or another, users receive money transfers (salary, pension, benefits, etc.). d.). One of the largest commercial banks in Russia conducts financial activities on a large scale in the territory of our vast country both in social program operations (opening card accounts for receiving pensions and benefits) and privately. For example, when concluding contracts with individuals and legal entities (registration of debit, credit and salary card forms).
Often, Sberbank customers have questions about all kinds of options for conducting transactions, their versatility and ease of access. It's no secret that very often we are guided by the desire to order the product you like, which must be paid for on the Internet. Or, a situation arises when it is urgently necessary to transfer a certain amount N to another card. For example, to their relatives and friends living in another metropolis.
Almost every day, people need to replenish the balance on cellular devices. And clients of the Savings Bank, as a rule, are no exception in this category of people. In any corner of the country, there are many innovative ways and methods, so to speak, In the old fashioned way, for instant replenishment of money on phones from Savings Bank card accounts. One of the largest banking brands in the world appreciates its customers and values its reputation, which it confirms every day, creating the most favorable conditions for the wards.
Remote self-service channels
The most unprecedented method of this century. Terminals and ATMs installed everywhere these days allow you to withdraw money to a phone number in stores and Mega-markets, communication stores, cultural and recreation institutions, at the entrance to the subway and train stations, as well as in almost any part of the city where there is multiple crowds of people.
For holders of Sberbank cards, it is possible to classify ATMs and terminals by ownership into two types:
- Interest-free transfer devices (terminals and ATMs of Sberbank PJSC). The cardholder has the opportunity to transfer to a phone number, having previously selected a cellular provider in the menu sub-item. At the same time, there is no commission fee for the operation (only for Sberbank customers).
- Devices of other financial institutions and commercial structures. When making a money transfer from a Sberbank card, in this case, a commission will be charged, which is approximately 1-3%, depending on the tariffs of commercial banks. In some cases, according to the current terms of agreements within the framework of an interbank partnership, money transfers are not subject to a commission fee.
The very procedure for performing actions in any case is identical to the usual work with such a device, according to the following listing of a number of operations:
- install a Sberbank card into the card reader mechanism,
- enter your personal “Pin-code” and “password” using the built-in keyboard,
- go to the appropriate balance replenishment section on the phone,
- indicate your mobile operator,
- enter the number of the mobile phone subscriber and the amount to replenish funds,
- double-check the entered information and confirm the data.
Home Internet
There are several options for the development of events when depositing money from a card account through the independent use of the Internet, including a unique opportunity - sitting in a bathrobe and slippers. In some cases, the success of the operation largely depends on the availability of an Internet connection and access to the developed special services.
The most famous method on the Internet today is the transfer procedure through Sberbank Online. When Authorizing on the site using the login and password provided by Sberbank, it is necessary to additionally confirm the connection security check with the code sent to the registered phone number. After confirming the access rights to the service, you can take direct actions to transfer funds from the card account to the mobile subscriber number.
For this you should:
- Select the icon of the corresponding section for making transfers.
- Fill in the form fields (indicate the card for debiting money, phone number in 10-digit format and the payment amount).
- Read the contents of the details and press the confirmation of actions by SMS.
- Check the accuracy of the details in the received message to the phone number linked to the card account, and enter the confirmation code in the field.
In order to transfer again with the same details, you can save the procedure as a template for an instant transaction in the following days.
Another, of the little-known options for transferring from a card, is the presence of newly developed Russian-language versions of sites for Visa and MasterCard holders:
- MoneySend
- Payments and transfers Vis
Unfortunately, at the moment, the developers have made available only transfers from Visa and Mastercard cards to debit and credit cards (commission for the operation is 1%). Well, it remains to be hoped that soon the creators will have full functionality, including operations to transfer money to the phone.
SMS ska
A very popular method of replenishing the balance, so to speak, from anywhere in the cellular coverage area. After all, all that is needed for the successful completion of these actions is a general knowledge of an unpretentious strategy for the circulation of funds, the necessary amount on the card account to replenish the balance, as well as the presence of the connected Mobile Bank service and an active working telephone device.
To replenish the balance of the phone, you need to send a message to No. "900" in the form of the required amount for transfer. The write-off will take place from the card account linked to the direct number of the subscriber. If several card accounts are connected to the phone, then in the message after the amount it is necessary to add the last four digits of the card through a “space” to write off money.
If you need to top up the balance of any other subscriber's number, you must compose a message of the type "TEL MOB SUMMA KARTA", where:
- "TEL" - a command to transfer (you can also use other similar variations of requests - "PAYMENT"; "PAYMENT"; "TOP-UP"; "PHONE"; "PAY"; "OPLATA"; "PLATEZH"; "POPOLNENIE"; "TEL "; "TELEPHONE"; "PLATI").
- "MOB" is a ten-digit format of the cell phone number to which you want to complete the transaction.
- "SUMMA" - the amount to be transferred to replenish the balance.
- "KARTA" - the last four digits of the individual card number from which you want to make a one-time debit.
Making a transaction through a mobile device
The huge market of manufacturers of modern phones provides the consumer with a choice of a whole series of developed cellular devices with support for mobile versions of the Sberbank Online application. At the moment, existing phones (smartphones) are classified according to the presence of operating systems developed for them - "IOS" and "Android". In accordance with the outgoing parameters of the system and the availability of the Internet, the user can download and install the required version of the program using the iTunes and Google Play online markets available in the menu of mobile devices. Further, the procedure for transferring funds to a mobile phone is no different from the standard version of a similar service on the site, where you also need to select a telecom operator, enter the subscriber number, designate (if there are several) a card for debiting funds and confirm the transfer operation.
In addition to the Sberbank Online software versions, you can also download mobile applications from the official Visa and MasterCard websites that allow you to transfer within one to three days. Unfortunately, at the moment, operations to transfer money from a card account to a phone are not supported by the site.
Auto payment
Another of the reliable options for replenishing payment for mobile services. In accordance with their needs, the subscriber can set up automatic debiting of the assigned amount from the card account in the event of the upcoming depletion of funds on the mobile phone balance.
Connecting the service and setting the threshold at which money will be transferred to the phone can be done in several ways:
- When applying for a card, as well as when applying separately to the Savings Bank department. To do this, you will need to arm yourself with a passport and patience while waiting for your turn.
- Through the Sberbank Online website. Activation can be done by logging into your personal account. Next, select the connection section for this service and proceed to fill in the settings: select a mobile operator, amount and minimum threshold for transfer, card number for debiting funds.
- When using the corresponding section of operations at ATMs of the Savings Bank. The procedure for setting parameters is similar to the principle of "Sberbank Online".
- Via SMS. It is necessary to send a command with a request to the number "900" according to the "AUTO PAYMENT MOB SUMMA POROG KARTA" scheme, where:
"AUTO PAYMENT" is a key command, you can also use the analog text options "AVTOPLATEZH", "AUTOPLATEZH", "AUTO", "AVTO", "AUTO", "AVTOPAY", "AUTOPAY".
“MOB” is a ten-digit cell number (when sending a message from a phone to which you want to activate the service, you do not need to specify the number).
"SUMMA" - the amount to be transferred to replenish the balance.
"POROG" - the minimum level of funds at which an automatic payment will be credited (for subscribers of the cellular companies "Beeline", "MegaFon" and "Tele2", the threshold is accepted with a fixed amount - 30, 150 or 600 rubles, for "MTS" - is not less than 30 rubles).
"KARTA" - the last four digits of the individual card number from which you want to assign funds to be debited (it is written if several Sberbank cards are linked to the phone number).
If it is necessary to disable this service, you can deactivate auto payment in the same way. Accordingly, on the Sberbank Online website, you need to go to the section of connected automatic payments and select the cancellation (disabling) of this service. And through an SMS command to the number "900" you need to send a message similar in connection scheme "AUTO PAYMENT-MOB KARTA", where the command to disconnect will be "AUTO PAYMENT-" (hyphen is a prerequisite for the command, the word may contain similar patterns, for example, " AVTOPLATEZH", "AUTO", etc.).
Innovation
The trend of technology development in the modern world suggests that these types of services provided are far from the limit of our capabilities. And certainly in many parts of the world the most sophisticated minds of mankind continue their way to inventions, often necessary for all segments of the population living in the vast expanses of the planet. Therefore, it is not surprising to assume that in the bright future we will have amazing discoveries for the implementation of financial transactions in modern society.
Let your imagination run wild and just imagine how unlimited the possibility of using the card, for example, as an independent remote identification device, will be. So to speak, in the form of a kind of card-gadget, equipped with a device with Internet access. For example, if, to provide a card with a mechanism for reading code information on products in a store. Just imagine - they collected a basket of goods, - they “checked” (scanned) each of them with their magic card, after which they personally (or, maybe, by the retina or voice command) confirmed the debiting of funds from their card account. Why not innovation!
Summing up, we can not be afraid to note that new ways of financial transactions are not far off, and the future, which depends only on ourselves, will undoubtedly present new gifts of worthy human labor.