Every day people are faced with the needuse of bank cards. With their help, goods are paid for and transfers are made. But many know firsthand that each bank has commission fees for all services provided, up to cash withdrawals. Consider what the Sberbank commission is for all the services provided.
Why do they charge a commission for transferring money from Sberbank cards to cards of other banks? It's understandable. At least, everyone is used to this and understand that banks should receive their interest.
But many people are puzzled by the fact of withdrawalpercent for cash withdrawal through ATMs. Let's look at this situation from the other side. In order for a financial institution to be provided with cash, it is necessary to attach not only the physical costs of those who work in the bank, but also material ones. The percentage for cash withdrawal usually includes:
Typically, the commission of the Savings Bank for the use of money (withdrawal or transfer) depends on the class of cards issued. They can be debit or credit.
When servicing debit cards, the bank does not takeinterest, that is, if a person withdraws money from a Sberbank card in an ATM of this bank, the commission is not written off. But this rule does not apply to debit cards that are used outside the region of their discovery: Maestro, Visa Electron with Momentum Visa Electron, Maestro with Transport. For them, the commission for withdrawing cash will be about 1% of the amount.
Do not forget about the concept of how the dailylimit for transfer or withdrawal of funds. If the client of the Savings Bank exceeds the limit (usually it is no more than 500 thousand rubles a day), then for further operations with money, he will be forced to pay 0.5% of the amount.
Что касается кредитных карт, то процент за снятие purely individual. But in general, the size of the commission can reach up to 3% of the amount, but not less than 199 rubles. Therefore, it is not profitable to withdraw small amounts from credit cards, as well as large amounts.
You can transfer money in different ways:
You can transfer money from a card to a Sberbank cardcarry out either through an ATM or through a personal account in Sberbank-Online. In order to carry out this operation, it is enough to know the number of the opponent’s card or its phone number, which will be associated with this card. Commission for money transfer between the cardholders of one bank is not charged.
Если деньги необходимо перевести с карты Sberbank to a card of another bank, the first one takes a commission of 1.5% of the amount, but not less than 30 rubles. This translation can also be done in the ways indicated above.
For holders of bank cards, the option of transferring money from the card to the current account of both their bank and third-party is available.
When transferring from a Sberbank card to an account openedin the same bank, no commission is charged. This is provided that both the card and the account are open in the same region and the transfer is carried out within the region. If the current account is opened in another region, the transfer fee will be from 1% to 1.5%, but not less than 30 rubles. and not more than 1 thousand rubles. You can carry out cash transactions in currency. At the same time, the Sberbank commission ranges from 0.5% to 0.7%, but not more than $ 100.
Также возможен перевод с карты на расчетный счет another bank. Here the fee is 1-2% of the amount, but not more than 1,500 rubles. If the transfer is made in the currency, the bank will take up to 1% for the transfer. The maximum commission in this case is $ 200.
Cancellation of transactions is not possible.Therefore, when transferring large amounts you need to be as attentive as possible. In the case of incorrect details, the question will have to be resolved with the recipient of money and rely only on his honesty.
No cash withdrawals are allowed.debit cards, no credit. Another question is, how much can Sberbank take for such operations? Bank fees will vary from class of cards, and in which ATM cash withdrawals take place.
Naturally, for the maintenance of their debit cardsthe organization does not charge anything. You can get cash without withdrawing interest, but not more than 50 thousand rubles at a time. If you need to withdraw money from a credit card, then you need to get ready to give the bank a commission of up to 3% of the amount, but not less than 390 rubles. Moreover, if you try to withdraw cash from a Sberbank credit card in the terminal of another bank, the fee will be up to 4% of the desired amount. Moreover, two banks can take a commission at once, respectively, and the costs will increase.
Sberbank itself restricts the transfer between own accounts. For example, you cannot transfer money from your credit card to your own debit card. And even more so on someone else.
Here come to the aid of various payment systems that allow you to transfer money anywhere and to any desired resources.
The most famous are:
This option is available to all holders of Sberbank debit and credit cards. To complete a translation, you need:
Sberbank's commission from a card to a card of the same bank or for transfer between your accounts is not charged. For transfer to a client of another bank, interest is charged according to the tariff.
This method is available only to Sberbank card holders. In other words, it is impossible to transfer money to a client of another bank.
The algorithm is as follows:
Sberbank commission for these actions is not charged.
It is necessary to pay attention to the fact that for such an operation the transfer limits are set: no more than 10 transactions per day and no more than 8,000 rubles.
