How to transfer money from your phone to a Sberbank card from MTS, Beeline, Megafon or Tele2

The world does not stand still and virtual money is increasingly being introduced into the life of modern society, becoming an integral part of it. Today, it is possible not only to pay for purchases and transfer money from card to card without leaving home, but also to transfer money from your phone to a card from Sberbank or another Russian bank. This question is especially relevant for those who deal with electronic wallets, most of which only allow withdrawal of funds to a phone account. Few people know whether this money can be cashed out and how.

Leading cellular operators in the Russian Federation have been offering a similar service to their subscribers for a relatively long time. Therefore, in order to transfer money from an account to a Sberbank card, you need to visit the official website of the operator whose mobile communications you specifically use.

What is needed to make a transfer?

First of all, you need to know the following information:

name of the mobile operator (Beeline, Megafon, etc.);
payment system (Visa, Mastercard or Maestro);
bank card number;
phone number.

In most cases, this is enough to complete the transfer. You will also, of course, need a phone with Internet access.

Different operators offer transfers in slightly different ways: the names of website sections, SMS and USSD request codes, and the procedure differ. We will provide instructions for users of Beeline, Megafon, MTS and Tele-2.

Almost all large banks - Sberbank, VTB-24, Raiffeisen Bank, etc. - support transfers to cards, but for convenience, in the text we will consider the actions of Sberbank card holders.

If you are not one of them, it will not be difficult for you to calculate your sequence of actions by analogy.

YOTA, MOTIV, SKYLINK, GlobalSIM, SIMTravel and others

You can return money from any phone this way.

We go to the website https://payjet.ru/ and register.
When registering, you must enter a phone number.

A code will come to you on your phone, enter it in the required window.
Go to the “Personification” and enter your full name, date of birth and passport information.
Two days later, after the data is verified, transfers can be made.
In the left menu “Select payment type” click on “Miscellaneous” .

Enter your phone number, card number and top-up amount. Click "Pay"

Transferring money to a card from Beeline

Terms of transfer:

Minimum: 50 rub.
Maximum: 14,000 per day, 40,000 per month.
Commission: from 50 to 350 rubles, the exact amount depends on the transfer amount.
Maximum transactions: 10 per day, 20 per week, 50 per month.
Beeline users can use the website or SMS.

Step-by-step instruction

Let's look at the instructions:

Website:
follow the following chain: “payment and finance” – “money transfers” – “transfer to a bank card from a mobile phone”;
enter the requested information, and then “continue”.
SMS. Enter the number 7878 and send via SMS (separated by a space): the name of the payment system, card number, how much you want to transfer. Example: Visa 1234567890123456 1300.

If you want to know the exact commission amount, use the following scheme:

Transfer – up to 250 rubles, commission 50 rubles.
Transfer – 250 – 730 rubles, commission – 70 rubles.
Transfer – 730 – 1430 rubles, commission – 95 rubles.
Translation – 1430 – 1880 rubles, commission – 120 rubles.
Translation – 1880 – 3800 rubles, commission – 230 rubles.
Transfer – 3800 – 5660 rubles, commission – 350 rubles.
Transfer above RUB 5,661, commission – 5.00%

From a megaphone

Terms of transfer

The conditions are as follows:

Minimum: 50 rub.
Maximum: 15,000 rub.
Commission: up to 5,000 pay 7.35% + 95 rubles (from an amount of 1,500 rubles the bank will take 15 * 7.35 + 95 = 205 rubles), over 5,000 pay 7.35% + 259 rubles (from an amount of 6,000 the bank will take 60 * 7.35 + 259 = 700 rubles).
Maximum transactions: not set.
Megafon users can use the website or SMS.

Step-by-step instruction

Instructions:

Via the website:
follow the following chain: “ – “more details”;
enter the requested information, and then “continue”.
Via SMS. Enter the number 8900 and send via SMS (separated by a space): the name of the payment system, card number, how much you want to transfer. Example: Visa 1234567890123456 1300.

With MTS

Conditions

The conditions are as follows:

Minimum: 50 rub.
Maximum: 15,000 rub.
Commission: 4.3%, but not less than 60 rubles.
Maximum transactions: no more than five per day.
MTS users can use the website or SMS.

Instructions

Step-by-step instruction:

Via the website:
follow the following chain: “financial;
enter the requested information, and then “continue”.
Via SMS. Enter the number 6111 and send via SMS (separated by a space): the name of the payment system, card number, how much you want to transfer. Example: Visa 1234567890123456 1300.

With Tele-2

Conditions

Let's consider the conditions:

Minimum: 50 rub.
Maximum: 15,000 rub.
Commission: 5.75%, but not less than 40 rubles.
Maximum transactions: no more than 50 per day.
Tele-2 users can use the website, SMS or USSD request.

Instructions

Step-by-step instruction:

Via the website:
follow the “menu” chain – “transfers and payments”;
if your bank is in the panel on the right, click on it;
enter the requested information, and then “continue”.
Via SMS. Enter number 159 and send via SMS (separated by a space): the name of the payment system, card number, how much you want to transfer. Example: Visa 1234567890123456 1300.
Using USSD request. A USSD request is an alternative to SMS, a short code that can be entered in dialing mode to activate some service or receive information. We often use USSD requests to check the balance:
dial the message: *159*1*card number*how much you want to transfer# (example: *159*1*1234567890123456*1300*)
make a call.

Step-by-step instruction

Each mobile operator has its own rules for transferring money from an account to a card. They have a lot in common, but there are also differences. First of all, the size of the commission. Let's compare the terms offered by the Big Four. To do this, we will need a Sberbank plastic card (any one except Maestro with an 18-digit number), 4 SIM cards (Beeline, MTS, Megafon and Tele2, respectively) and 100 rubles for each of them. Let's try to withdraw this money to the card and see how much remains in each case.

From Megafon

Megafon has one of the friendliest interfaces for transferring money from a phone to a card. This applies to both the website and SMS translation.

When using a Megafon SIM card, the user has the opportunity to transfer money from the SIM account to a bank card account using the official Megafon personal account. To do this you need:

Log in to your Personal Account or go through the registration procedure, after which you will need to open the “Transfers and Payments” section. In the general list of services provided, you should find credit to a bank card and click on the appropriate link.
A section will appear with empty fields to fill out. The user must indicate contact information, card number and phone number from which funds are planned to be debited and the amount that will be withdrawn from the account.
After checking all the entered data and confirming the transfer yourself, you just need to wait for a message notifying you of activation.

In order to transfer money from a mobile account to a card using messages, you should:

Open the field for dialing an SMS message and enter the short number 3116 in the telephone dialing window.
Next, enter your bank card details, the required payment amount (no less than 50 rubles, no more than 15,000 rubles), send a message and wait for the transaction to be confirmed.

Note! Before performing a transaction, you should make sure the quality of your mobile connection.
In order to top up your Megafon account via USSD code, you must:
Open the dialing tab in the call menu and enter the combination *133*500*ХХХХХХХХХХХХХХХ#, where 500 is the amount that will be withdrawn from the account, and X is the recipient’s card number.
After checking the data, the request must be sent by pressing the call button and wait for confirmation of the operation.

From Beeline

The yellow-black operator also has no difficulties transferring money from the phone to the card. What distinguishes it from other operators is the size and principle of commission calculation.

With Yota

For Yota users, the transfer function from phone to card is not yet available. The fact is that all payments by Yota subscribers work using the Yota-money system.

The user credits funds to his personal account in the system, thereby replenishing the balance.

If you want to withdraw money from the system, there are two options left:

Come to the Yota branch with the passport for which the account was opened and write a written application for a refund.
Workaround: transfer money to an electronic wallet (with a 6% commission), and then to a card. Services such as Qiwi Wallet are suitable for this.

Useful commands

Sberbank clients can transfer money not only to bank cards, but also to mobile phone accounts. You can top up the balance of your own or any other mobile account. In the first case, send an SMS with the text 123 to number 900, where 123 is the amount to top up your own account. The operation is performed instantly and does not require confirmation. To send money to the account of any other number, enter “X 123”, where X is the mobile number (without the eight), and 123 is the amount to be credited. Here you will need to confirm the operation.

After completing transactions with transfers, it is important to monitor the balance of funds on the card. To find out the current balance, send a message to 900 with the word “BALANCE”. To view recent card transactions, enter “HISTORY”. If the card is a credit card, the “DEBT” command will help you find out the current debt. Finally, you can block your personalized card if it has been stolen or lost. To do this, use the command “BLOCK 0123 X”, where 0123 are the last digits of the card, and X is the reason for blocking (0 - loss of the card, 1 - theft, 2 - left at the ATM, 3 - other).

Sources

https://myrouble.ru/kak-s-telefona-perevesti-dengi-na-kartu-sberbanka/
https://hardcorecase.ru/nachalo/kak-perevesti-dengi-s-telefona-na-kartu.html
https://www.computer-setup.ru/perevesti-dengi-s-telefona-na-kartu
https://mytopfinance.ru/kak-perevesti-dengi-na-kartu-cherez-900/
https://KartyBanka.ru/banki/bankovskaya-karta-sberbanka/perevod-na-kartu-sberbanka-po-nomeru-telefona
https://tarifam.ru/kak-snyat-dengi-s-telefona-na-kartu/
https://paypress.ru/%D0%BA%D0%B0%D0%BA-%D0%BF%D0%B5%D1%80%D0%B5%D0%B2%D0%B5%D1%81% D1%82%D0%B8-%D0%B4%D0%B5%D0%BD%D1%8C%D0%B3%D0%B8-%D1%81-%D0%BA%D0%B0%D1%80 %D1%82%D1%8B-%D0%BD%D0%B0-%D0%BA%D0%B0%D1%80%D1%82%D1%83-%D1%81%D0%B1%D0% B5%D1%80%D0%B1%D0%B0%D0%BD%D0%BA%D0%B0-%D1%87%D0%B5%D1%80%D0%B5%D0%B7-%D1% 82%D0%B5%D0%BB%D0%B5%D1%84%D0%BE%D0%BD-900-4454

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Transfer from card to phone

It will also be difficult for you to do without transfers from card to phone. This is a much more popular procedure.

Many people prefer to top up their balance using a card: it's fast and usually means no fees. There are several ways to transfer funds from your card to your phone account.

Using an ATM

The easiest way is to use an ATM. ATMs of almost all banks allow you to top up your telephone balance.

Here's what you need to do if you own a Sberbank card:

insert the card and enter the PIN code;
select “pay for mobile communications without commission”;
select your operator;
enter the phone number and then “continue”;
select how much you need to transfer and then “continue”;
make sure the entered data is correct and click “continue”;
take the card and check.

The sequence of actions differs slightly from bank to bank, but the ATM interface is quite simple and easy to use.

You don't have to rack your brain for a long time about where to click - just follow the prompts on the screen. And if something doesn’t work out, feel free to contact a consultant.

Using the app

If your card is linked to your phone, you can increase your balance through the bank app.

Here's how Sberbank.online works:

install the application and log in;
follow the next chain “payments” - “mobile communications”;
find your operator;
enter the required data and then “continue”;
Make sure the information is correct again and tap “continue.”

Using the site

If you have linked a card to your phone, you can top up your account through the operator’s website.

Beeline subscribers must do the following for this:

go to beeline.ru;
follow the following chain: “payment and finance” – “replenish your account from a bank card”;
Enter the requested information and click “pay”.

Use USSD request

Each bank offers its own USSD request. If you are a Sberbank client, dial *900*phone number*how much you want to top up#.

Example: *900*89855555555*1300#

Many banks also offer to connect. This is very convenient if you regularly make any payments (for example, for a mobile phone) and want this to be done automatically.

As soon as your balance becomes less than 30 rubles, the amount of money you chose is automatically credited from the card to your phone.

You receive two SMS: about debiting money from the card and about increasing the balance. You can find out all the additional information about auto payments and connect them on your bank’s website.

Transfer by number 900

The provision of this functionality by Sberbank is intended to simplify and speed up the work of clients regarding money transfers. To use it, you do not need the Internet, nor do you need to use your personal Internet bank account or the Sberbank Online application.

Necessary conditions for work:

Be a client of Sberbank;
Have funds in your account;
Have a smartphone or cell phone;
Be connected to at least one mobile operator;
The phone number must be linked to the account (card);
Be within the network coverage area at the time of the transaction.

At the same time, this service does not have the same wide capabilities as Sberbank Online. However, it satisfies one of the basic needs of customers - money transfers. Moreover, you can send money in three different ways:

1. By the recipient's bank card number.

2. Using a mobile phone number.

3. Using a special USSD request.

If the account owner knows the recipient's card number, he can use it as a detail. To do this you need:

1. Open the SMS messaging application on your phone.

2. Specify number 900 as the addressee.

3. Type the message text in a special format:

Translation 1111222233334444 8000

Where:

The word “Transfer” designates the type of transaction. Both lowercase and uppercase letters are allowed.
“1111222233334444” – recipient’s bank card number. It can consist of sixteen or more digits, however, it must be entered without special characters or spaces.
“8000” is the amount of money sent. It can take values in the range of 10 – 8000 rubles.

4. Confirm the transaction by sending the received code to number 900.

Bank card details may not always be known. But, as a rule, the recipient's phone number is recorded in the contact list. Therefore, you can use it to make a translation. However, the main condition is that the phone must be linked to the recipient's bank account (card).

In order to send money via 900 to the recipient's phone number you need:

1. On your phone, go to the SMS sending menu.

2. Enter 900 as the recipient number.

3. Enter the text of the message in compliance with the established format:

Translation 9123456789 8000

Where:

The word “Transfer” is the name of the type of operation on the account. Allowed to type in uppercase or lowercase letters.
“9123456789” – recipient’s cell phone number. The number is indicated without the country code “+7” or “8”, as well as without special characters and spaces.
“8000” is the amount of the money transfer. It can take values in the range of 10 – 8000 rubles.

4. Confirm the operation by sending the received code to number 900.

The third way to send money via number 900 is not by SMS message, but by dialing a special USSD command. However, to enter it you will also need the recipient's phone number.

To transfer money using a USSD request, you need to enter the following combination:

*900*12*9123456789*8000#

Where:

* - separation symbol;
# — command end symbol;
“900”—indication of use of the service;
“12” is the internal transaction code indicating the transfer;
“9123456789” — recipient’s phone number;
“8000” is the amount of money sent.

The most important thing here is to ensure that the number is dialed correctly, because if you make a mistake by even one digit, the money will go to another subscriber. Returning them is not easy, and sometimes even impossible - it all depends on the time, how quickly the user reacts to the error.

Linking a card to a phone

As you may have noticed, there are things that can only be done by linking the card to the phone.

Linking a card to your phone is very convenient: it allows you to instantly top up your balance, manage your accounts in real time, track your purchase history and much more.

According to Mobile Banking Rank 2021, 18 million people use linked cards in Russia.

Here is just a small list of the benefits that people with linked cards receive:

you can pay utility bills using your phone;
you can set up automatic payments and top up your phone balance without any extra effort;
you can open deposits online, which usually means a higher rate;
you can use various bonus systems;
Finally, you can make instant transfers between your cards or to another person.

Transferring money to a card linked to a phone number

If your card is connected to a phone number, you can very easily transfer money to another linked card. Sberbank users can act in two ways.

Using SMS

Enter number 900 and send via SMS (separated by a space): the word “TRANSFER”, the recipient’s phone number, the transfer amount.

Example: TRANSLATION 89855555555 1300.

Using the site

Step by step:

go to Sberbank.online;
if you do not remember the login and password for Sberbank.online, get them at any ATM or Sberbank branch;
follow the following chain: “payments and transfers” – “transfer to a Sberbank client” or “transfer to a card of another bank”;
enter the requested information, and then “continue”;
wait for the SMS verification and enter the code into the special field;
check and click "continue".

Connection

If you finally decide to link your card to your mobile phone, you will need the following information:

passport details;
phone number;
card number.

Now, having acquired the necessary information, you can act in two ways:

come to your bank's office and tell them what you need to connect;
activate the service using an ATM.

To do this, Sberbank clients need to act like this:

insert the card into the ATM and enter the PIN code;
follow the chain “Mobile Bank” - “Connect main card”;
enter the requested information;
wait for an SMS message about activating the service (it can take up to a day).

Now you can install the application, register in it yourself and get started. If you are an active user of mobile banking, it makes sense to pay attention to the app rating from Mobile Banking Rank.

Depending on the device you are used to working on, different applications will be most convenient:

the most convenient application for iPhones and Android smartphones was released by Tinkoff Bank;
the most convenient application for Windows Phone was released by Sberbank;
Alfa Bank released the most convenient application for iPad;
The most convenient application for Android tablets was released by Raiffeisenbank.

https://www.youtube.com/watch?v=dBlvAXzIxsQ&t=140s

How to transfer money through Sberbank Online

The Sberbank Online application is adapted for use on all devices: computer, laptop and tablet. On your phone you can use both the web version of this service and the mobile application, which must be downloaded first.

Transferring funds to the card of another Sberbank client using the recipient’s phone number looks like this:

Log in to the Sberbank Online system. To do this, you will need a login, password and two-factor authentication code, which will be sent via SMS to the linked phone number.
Go to the “Transfers and Payments” tab (top horizontal menu).
Select "Transfer to private person".
Next, “Transfer to a Sberbank client.”
Then in the “where” column, select the “by phone number” option.
Enter the amount and phone number.
In the window that appears, check that the specified data is correct.
Confirm the operation using the code that will be sent via SMS.

Notification of enrollment will be sent to both you and the recipient. Officially, 1 day is given to complete the transfer.
Transfer through a mobile application is the most popular method.
In order to make a transfer through the mobile application, you need:
Click on the “Payments” tab (second icon from the left in the bottom menu).
Select “Sberbank Client”.
Enter the recipient's number or select from the phone book.
Enter the transfer amount and select a debit card.
Check the correctness of the specified data in the window that appears and click “Translate”.
In the phone book, subscribers whose phone number is linked to Mobile Bank are indicated by a small Sberbank logo. If your recipient does not have such an icon, then it is better to ask him for the card number for accurate translation.