31.10.2023

About transferring money from a phone to a Sberbank card. How to transfer money from a SIM card to a Sberbank card


Topping up a mobile phone account directly from a bank card will not surprise anyone, nor will the reverse situation, when money from a mobile account needs to be somehow withdrawn to a card in order to cash it out later.

Transferring money from a phone to a Sberbank card is available to clients of most major mobile operators and, in general, the algorithm for performing the operation is similar. The only difference is in the limits for performing the operation.

When is withdrawal to a card necessary?

By chance, a top-up may turn out to be somewhat larger than the phone owner expected when he entered the amount. Or a payment for a service or product was received on the mobile account from a person who was unable to pay in another, more popular way.

The method also has adherents, because there is no need to go to the bank and find out the recipient’s details; the payment is processed if there is one mobile number of the recipient.

Later, the person can withdraw the amount to his bank card to be able to spend as he pleases.

Clients of Beeline, Megafon, Tele-2 and many others can transfer money from their phone to a Sberbank card. The service today is provided by most large banks with a developed branch network.

Beeline clients

There are two options available at once: either fill out a simple form on the operator’s website or send SMS message to number 7878. The text message will have the format: “VISA 1234567890000000 2500”.

The data is written only in the following sequence, with spaces, in the example 2500 is the desired transfer amount, and VISA is the type of card, which in your case can be changed to MasterCard or Maestro depending on the type of your plastic card.

Regardless of whether it is sending an SMS message or a transfer through the operator’s website, the commission will be charged in any case and will range from 5% and 10 rubles (fixed).

For a transfer of less than 1000 rubles, the commission will be 50 rubles without additional interest.

Algorithm of actions on how to withdraw money from your phone balance to a Sberbank card through the website:

  1. go to the official Beeline website beeline.ru, find the payments and transfers section;
  2. Scroll down the page, select transfer from phone to card. Here you will also be able to familiarize yourself with the tariffs and restrictions on transfers;
  3. Enter the mobile number, recipient's card number and amount. Check the data is correct;
  4. Click pay and wait for the funds to be credited. The website promises that the transfer takes approximately 5-10 minutes.

Transfer limits

  • no less than 50 and no more than 14 thousand rubles can be sent at a time, exactly the same restrictions are set for the day, and no more than 10 transactions are allowed;
  • you can transfer 40 thousand rubles per week and per month, but in only 20 and 50 operations, respectively;
  • A minimum of 500 rubles is sent to a bank account, otherwise the limits are completely identical to those described above, which apply to Sberbank cards.

Megafon clients


On the website https://money.megafon.ru/ you need to find the services section and “Money transfers”, within which customers are invited to top up not only their card, but also their current account or send money to the nearest cash withdrawal point such as Contact or Unistream.

We confirm the operation and wait. The promised enrollment times start from a couple of minutes and end in 5 days, so be patient just in case.

The second method in the form of sending an SMS message to a short number is also available. You can top up your Sberbank VISA and MasterCard by sending a free SMS to service number 8900.

The message format is as follows: “Card type 0000555533334444 transfer amount,” where all data is entered separated by a space. The terms for crediting money are exactly the same as when transferring through the site.

Withdrawal limits

  • minimum 1 ruble at a time;
  • maximum 15 thousand rubles at a time;
  • maximum per month and day 40 thousand rubles.

Commissions for transferring funds from a phone balance to a Sberbank card are usually based on the transfer amount: for an amount from 50 to 4999 rubles, it is equal to 7 .35% + 95 rubles of mandatory payment, for amounts over 5 thousand rubles and up to 15 thousand rubles increases to 7.35% + 259 rubles.

Transfer from mobile operator MTS

MTS has only one available way to make a transfer and this is the operator’s website. Here, as in all the methods described above, you need to go to the website, where on the main page you need to find the “Transfers and Payments” section, and in the pop-up window click on “Bank card from your phone account”.

The commission for operator services is charged in the amount of 4.3% and not less than 60 rubles, the minimum credit amount is 50 rubles, the maximum is 15 thousand rubles.

You are allowed to make no more than 5 payments per day, while MTS promises a prompt transfer in a couple of hours (in practice, delays of up to a couple of days are not at all uncommon).

This is the only option for making a transfer; you won’t be able to transfer the amount to a Sberbank card using an SMS message.

Results

As you can see, regardless of the operator, the general algorithm of actions does not change in any way. The only differences are in the limits for making a transfer and the commission that must be paid for this.

As for the timing of enrollment, everything will depend on the processing center in the bank. If for some reason the payment to the card has not been received after 5 days, you must contact your operator’s hotline to find out the circumstances of the transaction.

The Sberbank card must have 16 digits on the front side, otherwise it cannot be used for withdrawal in this way.


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If you have received a large amount of money on your mobile account that you want to spend differently, find out how to transfer money from your phone to your card. It is not necessary to go to a bank branch to complete this operation. Today, there are many ways to transfer money through your phone balance to your bank account. Choose a transfer method convenient for you via computer or smartphone.

Transfer money from phone to card

Many mobile operators provide their customers with a convenient service for transferring funds to a bank card. Having completed simple manipulations, you can later withdraw funds at any ATM. When transferring funds, you should familiarize yourself with important information: commission percentage, daily and monetary limits, duration of the operation. Each cellular representative offers customers affordable ways to transfer money from a mobile phone.

Which operators provide the service?

Most cellular operators provide the described service. To transfer money from your phone to a card, you need to use the services of the following mobile companies: Beeline, Megafon, MTS, Tele2, Yota, Rostelecom, Baikalwestcom. These operators have many options for transferring money from an account to a bank card balance, so before making a transfer you just need to know the terms and conditions.

Which bank cards can you transfer money to?

You can transfer funds to a card of almost any bank; the payment system is much more important. You can find out more on the official portal of your operator. If you use a Mastercard, Maestro or VISA card, you shouldn't have any problems. However, check the details with the operator in advance: for example, you cannot transfer money to a Maestro card from an MTS phone.

The easiest way to understand the technology will be for clients of the largest financial organizations: Sberbank, VTB or Alfa Bank. You can top up your balance from your mobile phone account or transfer funds to your family and friends online at any time. The operation will take a few minutes, and you can get your money back instantly.

How to transfer money from phone to card

There are several simple methods on how to transfer money from your phone to a card. You can try this method: transfer funds to the account of relatives or friends, and in return receive cash from them. This method cannot always be used, so the operators themselves decided to provide customers with convenient options for how to deposit money from a phone to a bank account:

  • via the Internet through your personal account;
  • USSD request;
  • SMS message;
  • by contacting an intermediary;
  • using a return application to the point of sale of the service.

Transfer to card via SMS

An easy way that requires minimal time is to request the transfer of funds via SMS. The disadvantage of this method is that only Megafon and Beeline provide such a service - only 2 companies. How to transfer money from mobile to card? Before sending a message to the desired number (Beeline 7878, Megafon 3116), check the text is correct. Megafon users must type “CARD number (16 digits) mm yy amount” in the message field. Instead of “mm yy” enter the expiration date of the bank card. Beeline only indicates the type, account number and amount of money in the SMS text.

On the mobile operator's website

Log in to your personal account on the company's official website. Select "Money Transfer" or "Money Transactions" from the menu. Next, all that remains is to indicate the payment system and fill out a special form. When writing the amount, take into account the commission. In most systems, you will immediately see the amount of funds, taking into account the deduction of commission (the real amount that will go to the card). Please check that the information entered is correct and then confirm the payment.

Through an intermediary

WebMoney is an international system with which you can receive and transfer money from almost any corner of the world. Users of mobile communications Megafon, Tele2, MTS, Beeline, Baikalwestcom can take advantage of transferring funds through an intermediary in WebMoney. You fund your WMR wallet and then withdraw money through an intermediary. There are no restrictions on withdrawals, and the commission is 8.6-19.6%. You can also make a withdrawal by transferring the amount to an intermediary via a SIM card, and in return receive cash at a special cash desk.

How to transfer from a phone to a Sberbank card

Clients of various mobile operators can easily transfer from their phone to a Sberbank card. So Megafon users need to attach a Sberbank balance to the number. Next, you need to go to the operator’s website and in the “Money Transactions” section, select the “Transfer to Card” tab. Then enter the recipient's mobile number. To confirm the transfer of money from your phone to your Sberbank card, enter the code received via SMS. Before sending, you must carefully check all data.

Sberbank mobile banking service

The largest bank in Russia has long studied the needs of clients for remote fund transfers. Owners of debit and credit cards can use the Sberbank Mobile Banking service. This SMS service allows you to make money transactions at a distance and receive notifications about the movement of money in your account. The mobile bank offers 2 service packages: Full and Economical. You can connect to a service that will allow you to withdraw money from your phone to a Sberbank card in the office, through an ATM, or by calling 8-800-555-5550.

Transfer in 900

Sberbank is the largest bank in Russia, so subscribers of all operators can use the above service. Clients of Tele2, Beeline, MTS, Megafon and NSS must send an SMS request (number 900). Here are instructions on how to transfer money from your phone to a card: enter the following message in the text line: “TRANSFER 9ХХ1234567 500.” Instead of “9ХХ1234567”, indicate the recipient’s phone number, which is registered in the Mobile Bank, and instead of “500” after the space, indicate the amount without kopecks. Enrollment time ranges from 2-3 minutes to 3 banking days.

How to withdraw money from an MTS phone

There are three ways to withdraw funds from the balance of the MTS mobile operator: through the Qiwi, WebMoney and personal account payment systems. The simplest is the last option. After logging into your personal account, select the “Manage payments” section and “Withdraw funds to a bank card.” In the form that opens, enter the number from which you want to transfer money, the amount (the amount with a commission of 4% will be indicated below), and the method of carrying out the operation. After confirmation of payment, money will be received instantly.

Beeline transfer from phone to bank card

Among the banking payment systems for sending funds are the following: Maestro, Mastercard, Visa Card. To transfer money securely, go through the Beeline website to the “Payment” section. In the payment method, select “Pay from your phone account” and go to the “Money transfers” tab. Select the appropriate payment instrument and carefully fill in the data, do not forget to confirm the transaction. Mobile operator Beeline has set a limit on the number of transactions - you can send money up to 5 times in one banking day.

Megafon money transfers from phone to card

Megafon provides its customers with the opportunity to deposit money onto a card from a mobile account. On the official portal, select the “Transfer to bank card” section. Receive your password via SMS by entering your mobile number. Next, enter your personal account information and amount. It’s convenient that the system itself will show you how much money will be transferred after paying a commission, which depends on the amount of funds:

  • 5000-15000 rubles – 259 rubles + 5.95%;
  • 4999 rubles – 95 rubles + 5.95%.

How to withdraw money from Yota

Contact the customer service or point of sale with a completed return application to withdraw funds from your Yota personal account. Take with you an identity document or a notarized power of attorney. You will also need a special payment document if you have accumulated more than 10 thousand rubles. Refunds are made through a bank account, so you need to know all the details: balance type and number, owner’s name in Latin characters, expiration date. The balance will be returned within a month.

How to cash out money from a Tele2 phone

You can carry out a transaction to transfer funds from Tele2 to a bank account via SMS, a written return application, or through the company’s official website. Go to the transfers section, specify the required parameters and click “Pay”. Funds can be cashed out through Russian Unistream branches by taking an identification document and giving the transaction control number. You can cash out without commission through the Market Tele2 online service without connecting a card or connecting via a USSD request or SMS.

Commission for transfer from phone to card

In most cases, the amount of the commission depends on the amount of payment, the mobile operator and the name of the bank. For example, Beeline introduced a commission for one transaction of 5.95%. In the case of the mobile communications company MTS, the amount is reduced to 4%, and for Megafon it increases to 7.35% when withdrawing less than 5,000 rubles. With Tele2, a user cannot pay less than 40 rubles (5.75% of transfers).

Transfer limit

Each mobile operator or special online services sets its own daily and monetary limits. So in the Tele2 system you cannot transfer an amount less than 50 rubles, but you cannot transfer more than 15 thousand rubles per day. Beeline reduces the maximum transfer amount per day to 14 thousand rubles. You can transfer money from 10 to 8,000 rubles through the Sberbank Mobile Banking service. The number of operations per day should not exceed ten times. Daily limits within Mobile Banking depend on the currency:

  • 3 thousand euros;
  • 100 thousand rubles;
  • 4 thousand dollars.

Video: how to send money from your phone to a card

The number of different types of non-cash payments is increasing every year. A serious role in this process is played by payments made using mobile phones and plastic cards, the number of which is steadily growing among the country's population. It is not surprising that almost all the leading banks in the country are developing special services, offering clients new options for making non-cash payments. Naturally, Sberbank of Russia, being the undisputed leader of the domestic banking sector, is also actively promoting its own developments in this matter.

Transfer money from phone to card

The need to withdraw funds from your phone account to a card arises in several cases. Usually, various charitable events are carried out in this way, when, if a person wants to donate a certain amount, he does not need to go to the bank, but just use the simple and convenient online service of a mobile application. Also, mistakes are often made when topping up a phone account when the payment is too large. Today, all three major mobile operators, namely Beeline, MTS and Megafon, offer clients services for withdrawing funds from a phone to a Sberbank card.

Via SMS

The easiest option to send funds to a bank card is to create an SMS message of a certain format and send it to a short number. It provides its own rules for each operator, for example, for Beeline the SMS looks like “card (recipient’s card number) (amount)”, which is sent to number 7878.

How to transfer knowing the card number?

In any case, to make a transfer you need to know the card number to which the money is sent. In most cases, it is indicated in the SMS message immediately after the code word. For example, when transferring funds from Megafon, a message of the following type is drawn up: “card (recipient’s card number) (validity period) (amount).” It is sent to the short number 3116.

In the personal account of the mobile operator

It is no less easy to transfer funds from a mobile phone account of any major operator to a Sberbank card using a personal account on the website of a company providing cellular services. To do this, just log in, and then select the appropriate menu section, following the subsequent instructions of the online service. For example, in your MTS personal account you should click “Transfer to a bank card”, after which a form will open that needs to be filled out.

When visiting the operator’s office in person

All the operations described above can be done not only using the Internet, but also by personally visiting the office of a cellular operator. In this case, it is enough to follow the instructions of the company employee, providing him with the information necessary to make the payment.

Through third party services

In addition to online services developed directly by operators, the network contains many specialized resources that also allow you to transfer funds from a mobile phone account to a Sberbank card. However, you should be extremely careful when choosing them, since not all of them provide the necessary level of reliability and security of calculations.

other methods

Every year, customers of mobile operators and banking institutions are offered new options for non-cash payments. It is quite problematic to list all the possible ways in which funds can be transferred from a phone to a Sberbank card. The main thing is to follow the instructions related to ensuring the necessary protection of personal data and the security of non-cash payments.

Transferring money from a Sberbank card to a phone

The need to top up your mobile phone account from a Sberbank card arises quite often. It is quite logical that the company’s specialists have developed and offered to clients of the leader of the country’s banking sector several convenient and simple options for carrying out financial transactions.

Via SMS

One of the fastest options for replenishing a cell phone account is sending an SMS message to the short service number of Sberbank 900. In this case, it should have the following form: “(phone number without the first digit) (amount).” After sending the SMS, you will receive a code on your phone that must be entered to confirm the payment.

Through Sberbank Online

Sberbank Online is deservedly considered one of the most efficiently operating online services offered to clients by domestic banks. To make a transfer using it, you need to go to your personal account, select the “Payments” menu section and the “Mobile communications” subsection. Next, you should indicate the name of the operator servicing the phone to which the funds are credited. Most often, naturally, clients choose MTS, Beeline or Megafon. Then indicate the phone number and the amount to be transferred.

By phone

To transfer funds by phone, either SMS messages or special USSD codes are used. The first method was described above. And for the transfer, the phone number linked to the bank card can be topped up using the code. To do this, the following USSD message is sent: *900*(amount)#.

Via mobile application

The Sberbank mobile application also allows you to make payments from a card to your phone quickly and conveniently. In general, the procedure in this case is similar to using the Sberbank Online Internet service, when the client logs in to the system, and then selects the appropriate menu sections and enters the information necessary for payment.

Transfer money at an ATM

To make a payment from a card to your phone, you can use any Sberbank ATM. To do this, you need to insert a card and enter a PIN code. Then you should select the “Mobile Payment” menu section and the desired operator. Next, indicate the phone number and amount to transfer.

Transfer of funds during a personal visit to the office

Another way to transfer funds to your phone from a Sberbank card is to personally visit a branch of a credit institution. To make a transfer, you should contact an employee and follow his recommendations.

Security rules for making transfers

For the safety and reliable protection of funds belonging to the client, no matter whether they are on a mobile phone account or on a bank card, it is necessary to comply with fairly simple requirements when making non-cash transfers. The main ones are not to disclose information about logins, passwords and PIN codes, which are used for authorization in various online services, to unauthorized persons, and also to use only legal applications and official websites of Sberbank and mobile operators when transferring funds.

Limits, restrictions and commissions

Each mobile operator sets its own commission and limits on the size of transfers from or to a phone. It is important to understand that many operations can be performed free of charge. For example, using the Mobile Bank service, which will cost the client 60 rubles per month with zero commission on most transactions. Therefore, when choosing a transfer method, you should carefully study the tariffs in force at Sberbank and mobile operators.

If you are a Sberbank client and have a service connected to you such as Mobile Banking, you can transfer money from card to card using your phone. To do this, just send a request in the form of an SMS message. This method of translation is really fast and convenient. If necessary, you can send funds to friends, family, relatives or colleagues.

Mobile banking - how to generate an SMS to number 900

To transfer money, you need to send an SMS to the recipient 900. Compose the text in the following format:

  • translation 9xx7654321 5000;
  • In the “to” field, enter 900.

The text 9хх7654321 means the details of the mobile phone to which the card is linked. It is a 10-digit code without a leading plus. This phone must be registered with Mobile Banking. 5000 is the amount. If you make a mistake and instead of “Translation” write “Translate” or the same words in transliteration, nothing bad will happen. The system reacts to them too.
If the recipient has more than one Sberbank card linked to the phone number you specified, the bank itself will choose which one the funds will be credited to. Most often, this is a salary card, if the addressee has one.
For your part, you can determine which card the money will be withdrawn from. This is very convenient if more than one account is linked to your number. After you enter "Transfer", dial the numbers from the card. In response to your request, you will receive an SMS from the bank. It will contain a confirmation code of this format #54321. The details of your operation will also be written there. Check this information and cancel it if anything seems incorrect or suspicious. But, if everything is correct, send the confirmation code to the same number - 900.

Are there any restrictions on transfers from phone to card?

If you decide to top up your card balance using your mobile phone, but the bank writes a cancellation, then you have one of the restrictions. For example, if you wanted to transfer money from a dollar card, you may be told that such an operation is carried out exclusively in rubles. Therefore, the bank will ask permission for conversion.
Also, please note that transfers are only possible from credit, virtual or corporate card accounts. The operation is not carried out on your own phone. Also, you will not be able to transfer funds from a currency card to a currency card.

Sometimes in life there are situations when there is an urgency to deposit funds into a bank card account, and there is no way to do this in the terminal, but there are enough funds in the account on the phone. Thanks to modern technologies, it is not difficult to transfer the specified amount to a bank card from any mobile phone. Let's look at how to transfer money from a phone to a Sberbank card, which is one of the most popular banks.

There are several methods by following which you can perform such an operation:

  • forwarding text SMS;
  • use mobile communication services.

The most common are such transfers of funds to the bank accounts of subscribers of mobile operators MTS, Beeline and Megafon.

How to transfer money to a Sberbank card via SMS


This method can be used by a Sberbank client whose phone is connected to any mobile operator.

The main condition for performing this operation is to connect the bank card itself to a specific service, in this case, “mobile banking”. To connect it, you need to go to the official Sberbank website in the owner’s personal account.

You can transfer money via SMS in the following ways:

  • to the recipient's card;
  • by recipient's cell phone number.

To transfer funds from your Sbercard to a card whose details you know, you need to follow this procedure:

  1. Create an SMS to number 900.
  2. Write the word “transfer”, put a space sign and be sure to indicate the correct recipient’s card number (spaces are not needed between numbers). Then put a space again and indicate the required transfer amount.
  3. To debit funds from your account in favor of the recipient, you need to send the received code via SMS to 900.
  4. If the transfer is successful, you will receive a message with the corresponding notification.


If you do not know the card number of the person to whom you need to transfer money, but you know the mobile number, you need to follow this algorithm:

  1. Send a message to bank service 900 with the text “transfer”, followed by a space, then the phone number of the person who will receive the money, again a space and the specified amount of funds being sent.
  2. Send the received multi-digit code confirming the withdrawal of funds from your balance to number 900 again.
  3. Receive a report on the operation.

For this method of withdrawing funds from a mobile phone to a card, there are a number of conditions:

  • You can only send 10 SMS;
  • transfer the maximum amount of 8 thousand rubles;
  • When sending money using the second method, do not write the “+” sign in the SMS in front of the recipient’s mobile number.

Withdrawing money from MTS to a card


If your phone has an MTS package, then withdrawing money from it and transferring it to the desired Sberbank account will not be difficult.

To do this, you need to follow the following instructions:

  1. Visit the official website of the MTS company (mts.ru).
  2. In the pop-up list of the “financial payments” subsection of the main menu, select the “money transfers” line, in which click the “to bank card” subsection.
  3. In the form provided, enter the sender’s cell phone numbers and the planned amount of funds to be credited. Click the “next” button.
  4. In the window that appears, enter the required details of a bank card such as Visa or Mastercard, click “next”.
  5. After carefully checking the specified data and receiving the code for the cell number you entered, enter the code in the transaction confirmation window.

In this way, you can deposit money into your Sberbank account a maximum of five times, for one transaction - up to 15 thousand rubles. To write off money from the balance of your mobile account in favor of a bank card, it is not necessary to go through the registration procedure on the website.

Transfer of money to a Sberbank card by Beeline subscribers


There are two options to transfer the specified amount of money from the account on a mobile phone connected to Beeline to a Sberbank client card. You can withdraw funds by visiting the Beeline website or using only the sender's phone number.

In the first case, you need to perform several actions:

  1. By going to the official website, find the money transfer section or go to money.beeline.ru. Pay attention to the second part of the page, where you can click on the proposed link “transfer funds to a bank card.”
  2. Enter the data in the requested fields of the form: recipient’s card number, sender’s phone number and transfer amount.
  3. Enter the numbers of the secret code to confirm the sending.
  4. Check the box indicating the provision of the service and click the “pay” button.
  5. After receiving a confirmation SMS to number 8464, send a response.

If you can’t go to the company’s website, don’t despair; the second option will suit you to transfer money to a Sbercard.


Beeline subscribers only need to have a phone with them and know the exact details of the recipient. You need to send an SMS with the test to the number “7878”: card, space, card number, space and the amount of funds debited. Sending SMS is free for Beeline subscribers.

The caveat is that the sender’s account must remain in the amount of 50 rubles, the minimum for sending is 1300 rubles, the maximum is 14 thousand rubles. Each successfully completed operation is carried out with a commission fee of 5.95% depending on the monetary equivalent and an additional about ten rubles are withdrawn.

How to transfer funds to a card from Megafon


To transfer money to a Sberbank card from your phone account, you need to use money transfers on the official Megafon website.

To perform this service, you must:

  1. On the company’s official website, in the “Services and Options” menu item, go to the “Payments and Transfers” section, then find “Transfer from phone to bank card.”
  2. Enter the required data in the standard form (transfer amount, recipient’s card number and sender’s phone number), and check the robot protection box.
  3. Carefully check the data and click the “translate” button.
  4. After receiving an SMS to the sender’s number with a confirmation code, give consent to transfer money.


Subscribers of this telecom operator can write off funds from their mobile account by sending a message to the number “3116”. The message must contain: card, space, recipient bank card number, space, card expiration date, space, transfer amount. Next, you need to confirm the operation by sending an SMS with the confirmation code that was sent to the sender. The map must be written without spaces.

If you are a subscriber of Yutel or any other telecom operator, you can make a money transfer from your mobile phone to a Sberbank card. To do this, you need to call the operator and find out the details of the procedure.

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