How to transfer money from VTB to Sberbank? Methods of transfer without commission

Almost every resident of our country has one, if not several plastic cards. With their help you can not only make various purchases, pay for services, but also perform quick transfers from one card to another. And of course, this process always passes painlessly, especially when both bank plastic cards were issued by one financial institution. But what to do when they belong to completely different banks, for example VTB and Sberbank? Then we should expect a commission. But How to transfer money from VTB to Sberbank, avoiding additional costs? And is it realistic to do this?

What do I need to know and do for translation?

One of the options for such a transfer is the use of remote banking. In order for this procedure to be carried out, you must first connect the service. It can be "Sberbank Online" or "VTB 24". But since we will consider the example of sending funds from the VTB card to the plastic of the Savings Bank, the second option of remote control is most suitable.

If the VTB Banking service is connected to you, do not forget to find out the account number and bank details of the opponent. You can get this information by calling the Sberbank hotline or personally visiting one of its nearest branches. For example, if you have a VTB card and need its details, you can call the multi-channel phone of the reference bank: 8 (800) 200-77-99. If you need the details of the Sberbank card, you can really get the same information by phone: 8 (800) 555-55-50. In particular, you should find out:

• BIC.
• Name (Card Holder).
• INN.
• Correspondent account ( correspondent account number ).
• Card number.

Without knowing the details of the details (for example, if you own information about only one indicator), the operation can not be performed. About how to transfer money from VTB to Sberbank through an ATM, we will tell further.

What other options are there?

In addition to working with a remote service, there are several other options for sending money from one bank to another. Consider the most common of them. For example, this financial transaction can be performed using an ATM. The second option involves the payment of an operation in cash and by personal visit to a branch of a financial institution. Finally, the last payment option is usually made via a special mobile application. However, how to transfer money from VTB to Sberbank using a mobile phone or a smartphone? And is it necessary to connect to the Internet for this operation?

How do I transfer money via Internet banking?

Before transferring money from VTB to Sberbank , you must perform the following actions:

• Go to the bank's website;
• Enter the personal office of your virtual bank;
• Select the "Payments" tab, and then "Transfers" (at the same time specify another bank);
• Write the appropriate details.

After that, you can already execute the payment. However, do not forget that your account must have the required amount. As a rule, the size of the commission in this case will be no more than 0.6-1.6% of the amount (20-1000 rubles). Here's how to transfer money from VTB to Sberbank through the Internet. Only the transfer itself, since it is executed between two different credit organizations, can be delayed for 3-7 days.

How to make a transfer using an ATM?

Another option for performing such financial transactions is to work with an ATM. However, it is suitable only for those users who have a VTB card. So, holders of this plastic can perform the following actions:

• Find the nearest ATM;
• Insert a card into it and enter the code to enter;
• Enter the main menu and select the option "Payments and transfers";
• Go to the "Transfer to another bank card" tab;
• Enter the card details;
• Enter the amount of the transfer and confirm the payment.

The size of the commission in this case will be about 1-1,6% of the amount. And this means that in addition you have to spend no more than 50-70 rubles. However, with this option, payment will take place only after 1-3 days. Therefore, when talking about how to transfer money from VTB to Sberbank, Do not forget to consider a possible delay in payment. By the way, it is worth warning your opponent in advance, to whom you plan to transfer money from the card.

How to transfer money through the bank branch?

This is the easiest way to perform an operation. Its main advantage is the fact that all the necessary actions for you will be performed by the bank's operator. Another thing is that the branch of the credit institution will need to come personally.

And you will need a passport and an application for opening an account (if one is not available). And of course, such a procedure presupposes the filling in of the corresponding form with the obligatory requisites of the recipient.

It is noteworthy that it is possible to pay for the bank's services and the transfer itself in cash or by a card. Answering the question: "How to transfer money from VTB to Sberbank without commission , using the bank's branch?" - let's say that in this case this method is not suitable. Appeal to the bank by itself implies the availability of additional fees and commissions within 1-2% of the amount. However, everything will depend on the purpose of payment and the authority, to which the payment is made. Among the examples of free payment, you should choose the following payment options:

• Duties in favor of the Federal Migration Service;
• Tax collections and payments, penalties, fines;
• To the account of the Moscow Pedagogical State University;
• Payment for goods and services on which a loan was previously issued in the bank;
• In payment for a share in favor of certain investment organizations (for example, CJSC VTB Capital Asset Management).

How to transfer money from VTB to Sberbank via phone?

Another simple option is the use of mobile banking. In order to transfer from one card to another, you must first download and install a special application of VTB Bank on your portable device. If you believe the feedback of users, the system is compatible with the OS Apple and Android. To connect the system itself, you should have:

• Account or credit card of the bank;
• contact phone number;
• A contract for comprehensive banking services.

After authorization and entering the login and password, as well as the code number from the SMS message, you can proceed with the payment transaction. When performing this operation in favor of other banks (for example, when paying for a loan), a commission is normally charged from the customer within 0.6% of the amount. The transfer from your card to the opponent's plastic, opened in another financial institution, is 1.6% of the amount. It is noteworthy that when performing the operation, you will be sent a verification SMS, which you actually confirm this action. Now you know how to transfer money from VTB to Sberbank via SMS.

What determines the size of the commission of the bank?

The presence or absence of a commission, as well as its size, directly depends on the destination of your payment. For example, a commission when paying utility bills, fines, penalties, court costs, charitable donations and taxes is not complete or minimal. And the size of the commission in no way depends on the method of translation, which the client chose. This is due to the fact that VTB Bank has a virtually uniform tariff rate.

Is it possible to do without a commission?

Completely without a commission you can manage, but only on condition that your opponent meets the established standard of VTB Bank. For example, he is the owner of a charitable foundation with which a financial institution cooperates, it is necessary to pay taxes, etc. Either he works in a government department, for example, in the tax service. In most cases, the transaction on VTB cards with the subsequent transfer of funds to Sberbank's plastic is subject to a commission fee.

Thus, it can be concluded that, when carrying out a transfer from one card to another, except for some cases, a commission can not be avoided. But its size will depend directly on the purpose of the payment and its amount.