Sberbank commission for cash withdrawal and other operational services

Every day people face the need to use 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, right up to withdrawing cash. Consider what the Sberbank commission is for all the services provided.

What do they charge a commission for?

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 withdrawing interest for getting cash 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:

• Acquisition of cash in the interbank market.
• Payment of cash collection services.
• Rent for the place where ATMs are located.
• Payment for the light.
• Acquisition of consumables.
• Payment of salaries to service personnel.

What does it depend on

Usually, the commission of Sberbank 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 take interest, that is, if a person withdraws money from a Sberbank card at an ATM of that 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 the package of services "Momentum Visa Electron", "Maestro" with the package "Transport". For them, the commission for withdrawing cash will be about 1% of the amount.

Do not forget about the concept of a daily limit for transferring or withdrawing funds. If the client of the Savings Bank exceeds the established 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.

As for credit cards, the percentage for withdrawal is purely individual. But in general, the amount of commission can reach up to 3% of the amount, but not less than 199 rubles. Therefore, it is unprofitable to withdraw small amounts from credit cards, however, as well as large ones.

Money transfers

You can transfer money in various ways:

• From the card to the card of the Savings Bank.
• From the card of the Savings Bank to the cards of other banks.
• From the card to the checking account.

The transfer of money from the card to the card of the Savings Bank can be made either through an ATM or through a personal office in Sberbank-Online. In order to perform this operation, it is enough to know the number of the opponent's card or his phone, which will be attached to this card. Commission for money transfer between cardholders of one bank is not charged.

If the money needs to be transferred from the Savings Bank card to the card of another bank, the first takes a commission of 1.5% of the amount, but not less than 30 rubles. This transfer can also be carried out in the ways indicated above.

For holders of bank cards, the option of transferring money from the card to a settlement account of one's own bank or a third party is available.

When transferring from a Savings Bank card to an account opened with the same bank, no commission is charged. This is provided that both the card and the account are open in one region and the transfer actions are carried out within the region. If the settlement account is opened in another region, the transfer commission will be from 1% to 1.5%, but not less than 30 rubles. And no more than 1 thousand rubles. You can make money transactions in foreign currency. In this case, the commission of the Savings Bank is from 0.5% to 0.7%, but not more than $ 100.

It is also possible to transfer from the card to a settlement account of another bank. Here the commission fee is 1-2% of the amount, but not more than 1500 rubles. If the transfer is in foreign currency, the bank will collect up to 1% for the transfer. The maximum commission in this case is 200 $.

Transactions can not be canceled. Therefore, when translating large amounts, you need to be as attentive as possible. In case of incorrectly specified details the issue will have to be solved with the recipient of money and rely only on its honesty.

Cash withdrawal

It is not forbidden to withdraw cash from debit cards or from credit cards. Another question is, how much can Sberbank take for such operations? The commission of the bank will vary from the card class, and in which ATM the cash withdrawal takes place.

Naturally, the organization does not charge anything for servicing its debit cards. You can get cash without withdrawing interest, but not more than 50 thousand rubles at a time. If you withdraw money from a credit card, then you must prepare to give the bank a commission of up to 3% of the amount, but not less than 390 rubles. In this case, if you try to withdraw cash from the credit card of Sberbank in the terminal of another bank, the fee will be up to 4% of the desired amount. And the commission can take just two banks, respectively, and the costs will increase.

Money transfer services

Sberbank itself limits the transfer between its own accounts. For example, you can not transfer money from your credit card to your own debit card. And even more so on someone else's.

Here, various payment systems come to the rescue, which allow you to transfer money anywhere and any resources.

The most famous are:

• "Qiwi wallet. The transfer of money will cost Russia 2% of the amount, and plus the service will take its 50 rubles, for transfer to other countries will have to pay 2% + 100 rubles.
• "Yandex money". For any transfer, you will need to pay 3% of the amount and 45 rubles to the service.
• "WebMoney." This system will take its 40 rubles for service and from the amount will have to give 2.5%.

Transfer through "Sberbank-Online"

This option is available to all holders of debit and credit cards of Sberbank. To translate, you need:

1. Go to your account.
2. Choose the section "Payments and transfers".
3. Choose the necessary operation, that is, to whom the money will be transferred: to the client of the Savings Bank or to the client of another bank.
4. Specify the beneficiary's card number or phone number (if the card is bound to a number).

Sberbank Commission from the card to the card of the same bank or for transfer between their accounts is not charged. To transfer to a client of another bank, interest is withdrawn according to the tariff.

Transfer via phone

This method is available only to the owners of Sberbank cards. In other words, the client of another bank so money can not be transferred.

The algorithm is as follows:

1. On the number 900 you need to send SMS with the text "Translation 9 ******* 47 650", where 9 ******* 47 - the telephone number of the addressee, and 650 - the amount to be received.
2. The recipient receives the recipient's code and data in the recipient's SMS. They need to be reconciled and only then send a message with the code. After sending, the money will be removed from the card in favor of the beneficiary.

The commission of the Savings Bank for these actions is not charged.

It is necessary to pay attention to the fact that for this operation, limits on the transfer are established: no more than 10 transactions per day and no more than 8,000 rubles.