Sooner or later, the funds on your salary card may run out. That is why every participant in such a project should know how to put money on a salary card. There are several ways to carry out the operation.
Key Features
You can top up your card account in several ways, for example, at an ATM, online or through a cash desk at any branch of a financial institution. Of course, completing the procedure through an ATM is much faster. This is due to the fact that when replenishing at a bank branch, you must provide a document identifying the owner of the product.
Some ATMs include a special feature that allows you to transfer funds specifically to a payroll project account. If there are no such functions, then the client can use any terminal. It is worth noting that after performing any replenishment operation, you must check its status. You can find out your current balance using mobile banking.
The service is available to holders of salary cards of any financial organization. The check can also be carried out directly at an ATM or by calling the bank's support service.
It is worth checking with the employees of the financial institution about the availability of an Internet bank through which almost any operations can be carried out
Options for putting money on a salary card
Sberbank
The most in a simple way replenishing a salary card account involves depositing funds through the operating cash desk of one of the Sberbank branches. To carry out this operation, it is enough to fill out an application indicating the amount required to replenish. The deposited funds are credited to your account within a few minutes.
Among the additional methods it is worth highlighting the following:
| Via ATM |
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| Through a terminal of payment or operating systems |
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| Through electronic payment systems online |
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| By postal transfer via Russian Post |
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Renaissance
The Vozrozhdenie Bank salary card can be used not only to receive wages, but also for other purposes. For example, for cashless payment purchases and services in retail and service networks anywhere in the world.
You can top up your account in the following convenient ways:
- at any branch of a financial institution through a cash desk - the client must present a passport or any other document for identification;
- at ATMs with a cash withdrawal function;
- by bank transfer, including from another financial organization whose branch is located in the city where Bank Vozrozhdenie serves - the client must provide current salary account details, which can be obtained by contacting the employees of the branch where the card was issued.
Alpha
The process of replenishing via an ATM consists of several stages:
- selecting an account type;
- depositing money into the banknote acceptor - banknotes must be in perfect condition (money can be inserted in a single bundle up to 30 bills);
- waiting for payment processing;
- transfer to the account.
Funds can be transferred in other ways:
- from another card via an ATM - you need to know the current details of the recipient’s card;
- from the current account of a third-party financial organization - for the transfer it is necessary to issue a special payment order;
- through the operator of the Alfa Bank information center - you can use the service by calling 8-800-200-0000 and providing information about the cardholder.
Enumeration operation
Transferring funds to a salary account from other cards can be done in the following ways:
| From card to card of the same bank | The procedure is carried out through an ATM. The client must insert the card into the ATM and select the item corresponding to the transfer operation in the menu that appears. Next, you need to enter the recipient's card number and confirm the operation. |
| At a bank branch | If the person who is going to make a transfer does not have his own card, then he can take the recipient’s card, provide its details to the employees of the financial institution and complete the transaction. It is worth noting that some banks may charge a certain fee. |
| Via Internet Banking | The operation is performed remotely online. In some cases, certain problems may arise with transferring funds to a card from another bank. That is why, before putting money on a salary card, the client must obtain information about possible restrictions from the employees of the servicing financial institution. |
| Transfer funds to account legal entity or any organization through the Clearing House | This organization carries out corporate interaction using temporarily available funds. |
Transfer between banks
Transfers between accounts of different financial organizations can be made at any bank branch or through an ATM. The client can permanently deposit funds into the account of another bank through the transaction cash desk. However, for this you need to fill out a special application and provide current details.
The most hassle-free way to transfer funds to a third-party bank account is by postal transfer. To do this, at any branch of Russian Post you must fill out a form for transferring funds. The size of the commission is set depending on the individual tariff schedule of the postal transfer service.
The transfer can be made online.
To do this, you need to carry out the following operations in your personal account on the official website of the servicing banking structure:
- fill in the basic input parameters in a special form;
- indicate the amount;
- confirm the operation.
The total transfer amount and commission amount will be displayed on the page. For maximum transaction security, most banks use special online card security technology - Verified by Visa/MasterCard SecureCode. The term for crediting funds depends on the sender’s bank and the features of the card.
Usually, when transferring funds to cards of other banks, a deadline is set up to 5 days, and it is worth noting that the recipient’s card can belong to any payment systems
How to fix negative balance
A negative balance on a salary card may occur as a result of debiting funds for paid services or annual maintenance. There are also other reasons for this problem.
Solving the availability problem negative balance in the salary account directly depends on the reason for the debt. For example, if a minus was formed after funds were written off for paid services, then the balance can be restored the first time money arrives on the card. This could be a salary or a money transfer.
The reason for this circumstance may be a malfunction of ATMs or terminals. In this case, the client must submit a corresponding claim to any bank branch to restore the actual balance of funds. After reviewing the application and all factors related to the problem, employees of the financial institution will decide whether to return the money to the card.
If a prohibited overdraft occurs, the salary card holder must independently replenish the account. If financial institution, at the same time, has written off a certain commission for the use of other people's funds, then it will be written off automatically. It is worth noting that the technical overdraft procedure, which occurred through no fault of the client, is also a paid operation.
In case of arrest bank card bailiffs, the client must repay the full amount of the debt. It is worth considering that a salary client can file a counterclaim in court if bailiffs write off more than 50% from the total amount of accrued wages. However, bailiffs have legal grounds to write off half of wages until the entire amount of the debt is fully repaid.
Is it possible to transfer money from credit card Sberbank on a salary card?
- Withdraw cash from credit cards for more favorable conditions, than the Bank that issued the card offers you or send a money transfer, while maintaining the grace period (graceful, interest-free lending period).
- Withdraw cash from debit VISA cards, MASTERCARD AND MAESTRO, in any place where there are no ATMs, but there is a branch of any bank. Money can be withdrawn in Russia (including Crimea), Abkhazia, CIS countries and in many countries around the world. The withdrawal amount is not limited.
- Send a money transfer from debit and credit cards while maintaining the grace period
Many people want to save on interest and commissions and not withdraw cash from a credit card, but transfer it to a salary (debit) card without commission and, preferably, maintain an interest-free grace period.
This opportunity is available in some banks (Russian Standard, Alfa Bank, Raiffeisenbank, VTB24, etc.), but not yet in Sberbank.
You can only withdraw cash from a Sberbank credit card (3% commission) and pay for goods in stores (no commission).
You can transfer money to a salary card from any credit card. You can do this through an ATM or come to a Sberbank branch. At the Sberbank ATM, look for the function payments and transfers - transfer of funds and enter the number of the salary card to which you want to transfer money, enter the required amount and check your salary card for some time.
As far as I know, it is impossible to make a non-cash transaction using a Sberbank credit card in this way, just as it is impossible to pay for utilities. In this case, it is only possible to withdraw cash from the card and deposit it into your account, do not forget about the cash withdrawal fee.
Currently translate cash You cannot transfer from a credit card to a salary card at Sberbank; the bank does not provide such an opportunity. You can only make purchases with a credit card. But you can transfer from a salary card to a Sberbank credit card, and the bank does not charge a commission for this. The completion time for the operation is up to 24 hours. You can make a transfer either through Internet banking or through an ATM. But a commission is charged if the transfer is made between cards of different owners, if the cards belong to different banks.
For example, at Russian Standard Bank it is possible to make a transfer from a credit card to a salary card and vice versa from a salary card to a credit card. This can be done through online banking, mobile banking or even through an ATM. But for this operation the bank charges a commission of 4.9% + 399 rubles. But more accurate information on the size of the commission can be found if you know the tariff plan of a bank card.
Transfers from a credit card to a salary card are also possible in a number of other Russian banks.
How former employee Sberbank (working as a branch manager) I can professionally answer your question. Payments and transfers (from card to card) are prohibited using a Sberbank credit card, so unfortunately you will not be able to transfer funds from a credit card. You can transfer to a credit card, but you cannot transfer from a credit card. There are debit cards for transferring from card to card. The cheapest are: non-personal cards Instant (free, practically not in circulation, the card is used only in Russia) and Pro100 (annual maintenance for the first year is 300 rubles and 150 for subsequent years of use, the card is used only in Russia), Visa Classic youth or Vaster Card Standart youth (international card, annual service is 150 rubles, personalized card, opens to clients from 14 to 25 years old), Visa Electron (international card, annual service is 300 rubles for the first year and 150 rubles for subsequent years).
cardpay24.ru service for withdrawing cash from bank cards.
Using our service you can:
The money from your credit card is transferred to your debit card, from which you can withdraw it without commission. If you do not have a debit card, the money is transferred to your name via an instant money transfer system and you can receive it at your nearest bank. Cash withdrawal amount from 100 rubles. This operation on the cardpay24 service is regarded by the bank that issued the card as payment for services/purchase of goods, and accordingly, the credit card has a grace period.
www.cardpay24.ru
You will not be able to transfer money from a Sberbank credit card to a salary card, because... the credit card is designed so that you can buy some goods by bank transfer or withdraw cash, but a large percentage is charged for withdrawing cash; at Sberbank this year for withdrawing cash from a credit card it is 390 rubles, but from a salary card to You can transfer money using a credit card.
You can’t do it directly, but there are several options that so-called cashers use. If desired, they can easily be found on the Internet in specialized forums.
One of the most famous is replenishing a Yandex wallet through an ATM or Sberbank terminal. The operation is carried out as telecommunications services and is subject to a grace period. You can either withdraw cash from your Yandex wallet (don’t forget about the Yandex Money commission) or through the City Payments service.
Alternatively, you can consider paying cellular communications Beeline with subsequent withdrawal to Qiwi and then to a Sberbank salary card. Craftsmen carry out this procedure without commission at all.
Many banks provide services to enterprises and organizations for salary projects. Such projects can be both corporate and individual.
Disputes about the pros and cons of paying salaries to a bank card have no basis - the convenience is obvious.
In addition to the convenience of storing finances and the possibility of non-cash payments, banks often provide participants with salary projects certain benefits for servicing and loans.
New bank clients, convinced of the convenience of using plastic, often wonder whether it is possible to put money on a salary card on their own. What methods exist for this and what bonuses does a person receive?
Salary card
A plastic bank card is a financial instrument with which the holder can receive funds without going to the cashier. This can be done through a network of ATMs that operate 24 hours a day and in many places in the city.
A bank card is issued after opening an account on individual. The card is usually issued as a debit card. As with any account, the client has the right to independently manage it - withdraw funds from the account, deposit a certain amount on it independently, ask to transfer funds to the account from another citizen or organization.
The only disadvantage may be that interest on the salary account is not accrued or is accrued very little. This is how a salary account differs from a savings account or deposit account. When an employee leaves, the account and card remain in his use, but payment for the service falls on the owner himself.
Methods for replenishing a salary card
As mentioned above, there are many opportunities to top up your account. They are much expanded by the presence of a plastic card compared to an ordinary account.
The easiest and most convenient way is through an ATM that has a device for accepting money. The manipulations are completely simple and similar to removal. A card is inserted, a digital code is entered, the account replenishment function is selected in the menu, and a certain amount is placed in the bill acceptor window that opens. The ATM counts the money and displays the deposited amount on the screen. The client can only confirm the receipt of money or use a special button to submit the banknotes.
The terminals of different banks may be slightly different, but the principle is the same.
If there are no such cash acceptance devices nearby, you can top up your account through the cash desk of a bank branch. It is better if it is the bank that issued the card, in which case no commission will be charged for transferring funds. If necessary, you can send money through any bank. For this operation you need to know the account number and the correct name of your bank. The same information will be required if you want any organization or citizen to top up your account.
To avoid getting into an uncomfortable situation, before receiving a salary card, find out absolutely all the nuances that may be useful to you: what are the fees for withdrawals and replenishments, what bonus programs are there, what are the limits on the card, etc.
At the bank's cash desk you fill out a receipt indicating the details, in the organization's accounting department you write an application for the transfer of money indicating the details and name of the bank. You can find out your account number by contacting the bank branch that issued the card with your passport and card. The account number is also indicated on the envelope in which it was issued along with the PIN code.
A very convenient way to top up your card account via the Internet. All large banks have their own websites with the ability to create personal account client. Through such Internet banking, the cardholder can carry out any operations with their accounts - replenish, pay, transfer funds. Similarly, transfers can be made from electronic wallets. All you need is a number, but the commission charged for such transfers is quite significant. To facilitate account use, some banks enter into agreements with electronic payment systems, and customer costs become lower.
09.02.2012, 23:55
This situation arose: I need to sell things, a person is trying to transfer money to my card, but for some reason it doesn’t work. Is the card number and full name of the owner enough for this? Is it even possible to transfer money to a salary card?
10.02.2012, 00:02
10.02.2012, 00:06
Sberbank is a special organization. It is not always possible to transfer money from card to card through an ATM. Therefore, you can do this with the controller. You only need to give your card number and say that you need to top up the account of this card. Just be sure to bring your passport. Otherwise they won’t perform the operation)))
10.02.2012, 00:14
I gave her the card number, but at Sberbank they told her that they couldn’t translate it, that some two numbers in the number were extra: 005: I’m in thought, I said all the numbers correctly. Maybe you need a current account, not a card number?
He is needed. But it’s better not to give your card number to strangers. and don’t shine on the internet
10.02.2012, 00:20
I gave her the card number, but at Sberbank they told her that they couldn’t translate it, that some two digits in the number were extra: 005:
The simplest thing is to transfer from card to card of the same bank. Then - if you could meet her and insert the card into the terminal, you can put cash on the card through it, but you probably can’t, that’s why you’re asking, right? :) It's clear. then - only through the operator, let him insist that such an operation is possible and completely ordinary. He is needed. But it’s better not to give your card number to strangers. and don’t show it on the Internet. If the vehicle has a simple salary card, not a Visa, which is most likely, then “exposing” the card number will not lead to anything bad (without simultaneous “exposing” the PIN code). To transfer from card to card, you need exactly the card number.
10.02.2012, 00:20
I often transfer money to Sberbank. You need a card number.
10.02.2012, 00:21
he is needed. But it’s better not to give your card number to strangers. and don’t shine on the internet
The Sberbank salary card is not suitable for paying for purchases via the Internet... so don't shine... nothing will happen.
10.02.2012, 00:24
Most SB cards have a 16-digit number. But some are 18-digit. I participated in the OZ, where the organization had 18 numbers. When I expressed doubt that I could transfer from card to card ( were there before ATMs where you simply couldn’t physically enter more than 16 digits), she assured me that everything would be fine, the money would reach her. It turned out that everything was really fine.
I gave her the card number, but at Sberbank they told her that they couldn’t translate it, that some two numbers in the number were extra: 005: I’m in thought, I said all the numbers correctly. Maybe you need a current account, not a card number?
:009: in short, good luck to everyone: flower:
10.02.2012, 00:27
Most SB cards have a 16-digit number. But some are 18-digit. I participated in the OZ, where the organization had 18 numbers. When I expressed doubt that I would be able to transfer from card to card (there used to be ATMs where you simply couldn’t physically enter more than 16 digits), she assured me that everything would be fine, the money would reach her. It turned out that everything was really fine.
The simplest thing is to transfer from card to card of the same bank. Then - if you could meet her and insert the card into the terminal, you can put cash on the card through it, but you probably can’t, that’s why you’re asking, right? :) It's clear. then - only through the operator, let him insist that such an operation is possible and completely ordinary. If the vehicle has a simple salary card, not a Visa, which is most likely, then “exposing” the card number will not lead to anything bad (without simultaneous “exposing” the PIN code). To transfer from card to card, you need exactly the card number.
She tried and through online service and in the bank itself, it doesn’t work out: (Naturally, we can’t meet, so she would give the money into my hands:) Another thing is, do I have to have money on my card for the transfer to go through, is there a commission? I haven’t used the card for a long time, there’s no money in it, but it’s definitely valid, the validity period on the card hasn’t expired, and I haven’t closed it.
10.02.2012, 00:35
Today I tried to call there for an hour: 005:
Strange... I called four times in three minutes today...
10.02.2012, 00:35
Today I tried to call there for an hour: 005:
I called there for the first time today. I really had to wait a long time for the operator to respond.
10.02.2012, 00:38
I called there for the first time today. I really had to wait a long time for the operator to respond.
I'll try again tomorrow, of course. I asked here because... I wasn’t sure if physical exercise was even possible. person to replenish a salary card account. I read that cards come with limited functions.
10.02.2012, 00:47
The Sberbank salary card is not suitable for paying for purchases via the Internet... so don't shine... nothing will happen.
And I paid for purchases via the Internet using my salary card: 005:
In general, knowing the card number, you can absolutely safely top up your card account both through an ATM and through an operator.
10.02.2012, 00:48
Do I have to have money on my card for the transfer to take place? Is there a fee? I haven’t used the card for a long time, there’s no money on it, but it’s definitely valid, the validity period on the card hasn’t expired, and I haven’t closed it. Well, generally speaking, any card is charged an annual fee... if you don’t have a penny of money there, then... if you owe Sber for annual service, he will take it from you when you come to close the card. But if you don’t come... :) I don’t know, in short, I haven’t tried not to pay for the service :))
Let me try to transfer you, well, 1 ruble for example. I don’t mind :) PM me the card number and we’ll try tomorrow.