The easiest way to send money to another person is a translation by map number. It is enough to know only 16 digits from the front of the plastic carrier to send funds to any corner of Russia and even abroad.
The 16-digit bank card number, displayed on its front side, is a universal cipher in which all the necessary information is encoded: a bank-issuer, payment system, country and region, owner name. Therefore, you can transfer money to the map number, not possessing any more information about the recipient. For this there are several different ways:
- aTMs and self-service terminals;
- mobile and online banks;
- card-to-Card services;
- department of Financial Organizations.
Depending on the selected method, the sequence of actions to transfer money to the map number will differ slightly.
For owners of a bank account
If you have your own bank account and plastic carrier attached to it, then the most convenient to transfer money to the map number from it. Below in more detail, we will tell you which opportunities exist for this, and in detail the process of sending funds.
ATMs and Terminals (Unicass)
ATMs and self-service terminals (UNICASSI) are specialized devices to produce various actions with their account, including sending money to other accounts open in any banking organization. How to transfer money to map by map number in this way? Follow the instructions:
- Find the necessary ATM and insert your plastic medium in the slot (next to it will be a mini-image of the card and method of its input).
- Type a unique PIN code.
- In the ATM menu, select the function by transfer of funds, click on the appropriate key.
- Fill in the fields: Card number and the list of enumeration.
- Check the correctness of the entered data, click Next.
- Complete the operation.
After completion, the check will automatically be printed. After that, you can pick up your plastic carrier or continue working with it by checking your balance by completing a new transfer to the map by map number and other.
IMPORTANT. We recommend using only specialized devices of your bank. On any devices, it is necessary to indicate which financial organization it is released. The Commission in the ATMs and Terminals will be guaranteed the lowest or absent at all.
Mobile and online services
If your bank supports this service, then this is another way, how to prevent money on a card with your own account, knowing the card number, without using stationary devices. To do this, simply connect the "Mobile Bank" option (or similar) option to send applications for transferring funds by SMS or open an account in the online system. You may need data cards, passport details, a written statement. More information about the availability of such services and ways to use them from managers of your Issuer.
Services Card-to-Card
Send a translation through Internet banking inside the bank is usually very simple and cheap or even for free. With interbank translations, the situation is different - alone only the number of the recipient card is not enough, and other data will be required: the Bank's bik, the purpose of payment and others; And the Commission may be very significant. In this case, Card-to-Card services will come to the rescue. The commission is less, usually at the level of 1.5-2% of the transfer amount, and only the recipient card number is needed to perform the operation.
Such services have many large Russian banks, the most popular solutions from Alpha Bank and Tinkoff. The principle of their work can be compared with purchases in the online store on the map: In addition to the recipient's card number, you also need to enter the sender's card number, its validity and security code (CVC or CVV), and after entering all data to confirm the payment of the payment by the code sent to SMS -The message.
Such services work with maps of all banks functioning in the country and all major payment systems: peace, Visa, Maestro, MasterCard. In each case, the Commission, limits and other restrictions may vary. Also, the bank who released the sender's card can set its additional conditions. Usually, the means translated in this way are credited to the recipient instantly, in rare cases may be required to 3-5 business days.
How to translate by the map number in this way?
Please note that when using mobile banking services, send a request from a cell phone to which a card account is attached. Otherwise, the application will be rejected.
If there is no own bank card
But how to transfer money, knowing the card number, but not having your own bank account? To do this, you can use the terminals (unicasses), about which it was above. This type of device allows you to carry out various cash transactions. Otherwise, the sequence of actions will be similar.
Another way to translate cash by the map number is to contact the Bank's Office, in which the recipient has an account. You will need to contact the organization and fill out the standard form form in which it is indicated:
- FIO of the recipient;
- transfer amount;
- map number for money transfer.
Your personal data may also be required. The commission for this service varies from 0 to 500 rubles, which depends on the name of the bank, the type of card to which funds, the region, in which you and the recipient are also sent, and other information is recommended to clarify from managers in place.
Commission, deadlines, limits
The commission for transferring money to the card number depends on the conditions for providing this service in your bank and in the emient of the recipient. Usually for sending funds within one financial organization in one or in neighboring regions, the size of the board is from 0 to 1%. It can also be a fixed amount that does not exceed 100 rubles. However, if the translation currency is excellent from the currency of the account to which the money must be credited, the percentage of conversion may be added to the commission.
For sending funds to another bank, the Commission is 1-5% or a fixed amount not exceeding 500 rubles + also percentage of conversion if necessary. It is impossible to transfer money from credit cards.
The deadlines for enrollment range from a few minutes to 3 working days. The limits are installed by each issuer individually and differ also depending on the status of the card and the method that money goes.
Safety of such listings
If you are asking for a card number to transfer money, you can safely name 16 digits that are displayed on the front side of the plastic media. Possessing only this information, a person will not be able to use your account for personal purposes and make any unauthorized operations with it.
ATTENTION. To send money, it is enough to know only the name and the recipient's card account number. Do not report other card data to third parties: its PIN code, CVV code, period of action, etc. This information is not requested even bank managers. If you require this information to provide a particular service, then it is very likely that you are talking to a fraudster.
