"Promsvyazbank": transfer from card to card. Rules, features, commission

Since 2014, PJSC "Promsvyazbank" has canceled the commission for transfers of funds between accounts. Clients of the credit institution can pay for goods in Internet shops, utilities, send money to relatives without commission. More detailed information on how to transfer from the card to the card through ZAO Promsvyazbank, read on.

Briefly about the service

For the transfer of funds between accounts, credit institutions charge a commission of 10 rubles. Up to 2%. A small savings is possible if small amounts are sent, and the operation is carried out through the Internet bank. Some institutions provide this service under a minimum commission. For example, Sberbank of Russia charges 30 rubles for transferring funds between cards of different cities. Of great importance is also the type of plastic. Transactions on debit cards are cheaper than on credit cards. There are also separate services that provide a service of transferring funds between bank cards of all countries of the world. The commission varies between 1-2%. If the amount of payment is small, then you can choose any intermediary. But if we are talking about the transfer of 10 thousand rubles. And more, it is worth exploring the tariffs.

Service Details

CJSC "Promsvyazbank" transfers from the card to the card of its customers free of charge. If the recipient has provided the details of the credit card of another institution, then the sender must pay a commission of 1% (minimum 50 rubles) of the transaction amount. The commission for a transaction on debit cards of other institutions is 1.5% (a minimum of 30 rubles). The speed of the transaction depends on the institution. ZAO Promsvyazbank transfers from card to card instantly. If the funds go to other credit institutions, the process can last 2-4 days. Transaction is made only in Russian rubles.

Restrictions

ZAO Promsvyazbank transfers from a card to a card through an Internet bank in the amount up to 70 thousand rubles. Per day and not more than 600 thousand rubles. per month. From one account to another, customers can transfer up to 100 thousand rubles. In a day, you can send 4 payments - only within the RF. Confirmation of the transfer is carried out through 3D-Secure (entering a one-time password).

Transfer of money from the card to the card "Promsvyazbank"

To carry out the transaction, you need to go to the "Accounts" section on the main page of the bank's website, and then into "Transfers from card to online card". In the special form, enter the number of the sender's and recipient's card, the validity of the plastic, the security code, and specify the amount of the transaction. The next step is to verify the correctness of the data and confirm the payment.

Mobile app

In the updated PSB-Mobile program, the customers of "Promsvyazbank" got the option to transfer funds without authorization. To apply, just click on the shortcut on the start page. Here you can see information about the number of points collected, get an account statement. Accumulated bonuses can be spent on payment for services of the bank, partners, and convert them into cash. The app is available for free in the Apple Store and Google Play online stores.

Comparison

The transfer from the card "Promsvyazbank" to the card of the Savings Bank is paid at a rate of 1.5% (minimum 30 rubles). Some credit institutions charge a large commission:

• "Vanguard" - 1% (at least 30 rubles).
• VTB24 - 1.25% (at least 30 rubles).
• Instabank - 1.3% (at least 50 rubles).
• Raiffeisenbank, Uralsky, SMP, Svyaz-Bank - 1.5% (at least 50 rubles).
• "Home Credit" - 100 rubles. Regardless of the amount.

You can send via "Promsvyazbank" a transfer to the Savings Bank card . The commission will be 1.5% (at least 30 rubles). ZAO Alfa-Bank charges 1.95% for a similar operation (at least 30 rubles), and Russian Standard CJSC - 1.9% (minimum 50 rubles).

At non-banking services commission is cheaper. Center-invest carries out transfers for 0.5% of the amount (minimum 10 rubles). Similar tariffs for FC Otkrytie. If the payment amount exceeds 50 thousand rubles, the service fee will be 250 rubles. So the transfer from card to card through "Promsvyazbank" is inexpensive.

VMT, MCMS

Services of international payment systems Visa Money Transfer, MasterCard MoneySend allow you to carry out transactions without entering additional details. Payment processing takes from several minutes to 5 days. You can send a transfer from ZAO "Promsvyazbank" from the card to the card. The commission will be 1.5%. In VMT, MCMS will have to pay 2% + 20 rubles. The second problem is that not all credit institutions are connected to such services in Russia: Sberbank, Svyaznoy, TKS, BRS, MDM.

Cash transfers

You can transfer money from your account to an account within the same bank directly from the ATM or terminal. To complete the transaction, the client simply enter the account number of the recipient and the sender, specify the amount and send the banknotes to the bill acceptor.

Abroad

Credit organizations implement services for the implementation of transactions through smartphones. The most convenient are those that function without prior registration. That is, the transfer can be sent by specifying the recipient's details.

Specially for this purpose, Tinkoff Bank, Alfa-Bank and the Bank of Moscow developed the O! Pp application. The fee for services is 0.5-5.9% (depending on the type of card). "Bank of Moscow" additionally expanded the functionality of the mobile application of the same name. Now customers can transfer funds by phone number, profile in social network and email address. The fee for the service is 1.5%. In a day you can make no more than three payments for an amount not exceeding 45,000 rubles at a time. The same tariffs are provided in the appendix of "Tinkoff Bank". The maximum amount is limited to 75,000 rubles.

Online services

Do not forget about mobile applications "Yandex.Money" and "Money.ua." The intermediaries charge 1.9% and 1.3%, respectively. Transactions are made in rubles between Visa and MasterCard.

For the transaction through the Card2card service, the Bank of Moscow customers will have to pay 1.5%, Alfa-Bank - 5.9%, Russian Standard - 1.9%, Tinkoff Bank - 1.5%. Sberbank offers this service only to registered users. Transactions are made through cards of international payment systems of Russian and foreign banks. The maximum duration of the operation is 5 days. Clients of Russian Standard CJSC can also transfer funds through Unistream at the rates of a credit institution. To use the instant transfer service MasterCard cardholders can directly through the site of the system. But this option is available only to registered users.

The QIWI payment system, which operates in all CIS countries, charges 2% + 40 rubles for transfers from Russia to abroad. Customers of the "One Wallet" service for a similar operation will have to pay 2.9% (minimum 50 rubles). More loyal tariffs from RBK-Money. If the amount of transfer does not exceed 10 thousand rubles. Per month, then the transaction is free. In other cases you will have to pay 2.95%. Only registered users can use the service.

Where is more profitable?

Banks offer services for the transfer of funds for 1-2% of the amount. Commission of Internet services is higher and is on average 2-3%. If the transfer amount is small or the customer can not wait long, it is worth sending funds through international payment systems. Another option is to use the Sberbank card. Commission for the transaction is only 1%, the operations are processed quickly - from a few minutes to one hour. Those who do not yet have a map of this institution may try to make a cash transfer through the employees of the office.