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Transfer from card to card via the Internet is one of the most convenient ways to transfer money to another person. All that is required for the transfer: Internet connection and card number where you are going to transfer money.
You do not need to fill in many fields, such as the BIK of the bank, the number of the correspondent account, etc., as it was before with the transfer from account to account. Another advantage is speed, money can come in literally minutes. The technology is only gaining popularity in Russia, but you already have several different possibilities of how to make a transfer from card to card online.
Article content
What is transfer from card to card via the Internet
Before from card to card is a banking tool that allows you to transfer money from one bank card to another bank card. Unlike an account-to-account transfer, you only need to know one detail about your recipient: the card number. You do not need any other data.
Bank cards are always linked to a bank account, so this is a type of sending money to an account. The minimum amount of required data is the main difference between modern translations. With this technology, you can send money in minutes. At the same time, the cardholder does not lose his personal data, because he does not even need to inform the expiration date of his card or the name on the card.
What is needed for translation
To transfer, you need to know the details of both cards. Suppose you are going to transfer money from your card to another person's card, for this you need two things:
You don't need the name on the recipient's card, card expiration date or CVC code. A 16-digit card number is sufficient, for example 5140 9320 7832 5487. In some cases, the card number can be from 13 to 19 characters. More details are required from your card:
Technically, you can transfer money from someone else's bank card, but for this you will need either access to someone else's Internet bank or all the necessary data about someone else's card. Also, do not forget that most cards ask for an SMS password at the bank when paying, so you need to have access to the phone, where you will receive a message with a payment authorization code.
Please note that most money transfer services may request more data at any time. This happens when an automated security system suspects possible fraud with the sender's card.
You can connect to the network both from a regular computer and from a mobile device. For phones, there are hotel money transfer apps that greatly simplify an already very easy process.
How to transfer money on a computer
To transfer from card to card, you need to choose one of the services with which you will carry out this. First of all, pay attention if the bank that issued your card has a similar service. Study its terms carefully. You can also use universal services that work with cards of any Russian banks. TOP 5 services:
Alfa Bank 1.6% of the amount, minimum - 50 rubles.
MKB 1% of the amount, minimum - 50 rubles.
Raiffeisenbank 1.5% of the amount, at least 50 rubles.
Tinkoff 0-1.5% of the amount, at least 30 rubles.
Yandex money 1.95% of the amount, at least 40 rubles.
Minimum commission at Tinkoff Bank and MKB. At Tinkoff Bank, the commission is 0% only for bank clients and only for transfers up to 20,000 rubles in total for the reporting period, and then 1.5% or at least 30 rubles is charged. MKB - Credit Bank of Moscow applies the lowest fixed commission: 1% of the amount or at least 50 rubles. Let's look at his example, how the translation is carried out.
You need to do 3 steps:
After these steps, your payment will be processed. The money will be credited to the recipient's card within 3 days. It is impossible to predict the transfer time in advance, sometimes the money comes in a few minutes, and sometimes it takes 1-3 days to wait. If after 3 days the money has not arrived on the recipient's card, then you need to contact your bank or the bank whose service you used to make the transfer. If you use the service from Tinkoff Bank, the transfer period can take up to 5 days.
Transferring money to another country
Russian MasterCard and Visa cards are international cards, so the question of whether it is possible to transfer money to a foreign card sounds quite logical. Most of the services work with all Russian cards and have no exceptions. But there are services with which you can transfer money from a Russian card to a card issued in another country. Alfa Bank has such functionality. The commission for an international transfer is 2% + 40 rubles.
The principle of transferring money from card to card between different countries is the same as between Russian ones. The service can be used bilaterally by holders of cards of the MasterCard payment system, which were issued in most countries of the post-Soviet space. Clients of the Russian Alfa Bank can use unilaterally to transfer money to several dozen countries, among which there are all European countries, but not the United States.
How to transfer money from card to card on the phone
You will still need Internet access. You can use the classic Internet version of money transfer services using a regular browser on your smartphone. There is another option - to transfer money using the application. One of the most convenient and profitable applications was released by Tinkoff Bank.
The Tinkoff app is available for all major platforms: Android, iOS and Windows Phone. One of the functions of the application is to transfer money to the card. The functionality is similar to the Internet version https://www.tinkoff.ru/cardtocard/, however, you, as a bank client, can save your card and later use the data for quick payments. The application was recognized as the best banking application in the Russian segment, and to make a payment, you just need to follow the instructions inside the application.
Tinkoff offers its clients free transfers within the first 20,000 rubles for the reporting period. Two things are important to understand here:
If you are a client of Tinkoff Bank, then you can transfer up to 20,000 rubles to a card of any other Russian bank for free. If you are a client of any other bank, then you can also use the application, but the rule of the first 20,000 rubles does not apply to you and you do not need to worry about the start and end dates of the reporting period. Customers of Tinkoff Bank can find out data about the reporting period inside the application.
Yandex also does not stand still and has released an official application for translations. We have already examined in detail how to transfer money from card to card using the application from Yandex. Unlike the TCS Bank application, the Yandex application is available only for two systems - iOS and Android.
Benefits and Disadvantages
Transfer from card to card via the Internet is the quintessence of advantages. You save time, you do not need to fill in a lot of data, and in some cases the translation is completely free. But along with this, there are serious disadvantages. For example, you won't be able to cancel a payment if you change your mind. The unpredictability of how long the money will go - a minute or 3 days, does not allow for clear planning.
You may not be afraid that you will make a mistake in the recipient's card number. This is the main concern when using such translation services. The checksum is encrypted in absolutely all numbers, which is calculated by the service before sending. And if you make a mistake in the number, the service will tell you that the card number is incorrect.
Tinkoff Bank is a clear leader if you are a client of the bank. Other banks, for example, in Alfa Bank, also have free transfers from card to card. But other banks offer free transfers only between cards of one bank, and TCS Bank offers transfers from a Tinkoff card to a card of any bank. But even despite the paid service in most cases, the commissions are minimal, and the benefits from such a service are truly tangible.
You do not need to fill in many fields, such as the BIK of the bank, the number of the correspondent account, etc., as it was before with the transfer from account to account. Another advantage is speed, money can come in literally minutes. The technology is only gaining popularity in Russia, but you already have several different possibilities of how to make a transfer from card to card online.
Article content
- What is transfer from card to card via the Internet
- What is needed for translation
- How to transfer money on a computer
- Transferring money to another country
- How to transfer money from card to card on the phone
- Benefits and Disadvantages
What is transfer from card to card via the Internet
Before from card to card is a banking tool that allows you to transfer money from one bank card to another bank card. Unlike an account-to-account transfer, you only need to know one detail about your recipient: the card number. You do not need any other data.
Bank cards are always linked to a bank account, so this is a type of sending money to an account. The minimum amount of required data is the main difference between modern translations. With this technology, you can send money in minutes. At the same time, the cardholder does not lose his personal data, because he does not even need to inform the expiration date of his card or the name on the card.
What is needed for translation
To transfer, you need to know the details of both cards. Suppose you are going to transfer money from your card to another person's card, for this you need two things:
- Internet connection;
- Recipient's card number;
You don't need the name on the recipient's card, card expiration date or CVC code. A 16-digit card number is sufficient, for example 5140 9320 7832 5487. In some cases, the card number can be from 13 to 19 characters. More details are required from your card:
- Card number;
- Validity;
- CVC code;
Technically, you can transfer money from someone else's bank card, but for this you will need either access to someone else's Internet bank or all the necessary data about someone else's card. Also, do not forget that most cards ask for an SMS password at the bank when paying, so you need to have access to the phone, where you will receive a message with a payment authorization code.
Please note that most money transfer services may request more data at any time. This happens when an automated security system suspects possible fraud with the sender's card.
You can connect to the network both from a regular computer and from a mobile device. For phones, there are hotel money transfer apps that greatly simplify an already very easy process.
How to transfer money on a computer
To transfer from card to card, you need to choose one of the services with which you will carry out this. First of all, pay attention if the bank that issued your card has a similar service. Study its terms carefully. You can also use universal services that work with cards of any Russian banks. TOP 5 services:
Alfa Bank 1.6% of the amount, minimum - 50 rubles.
MKB 1% of the amount, minimum - 50 rubles.
Raiffeisenbank 1.5% of the amount, at least 50 rubles.
Tinkoff 0-1.5% of the amount, at least 30 rubles.
Yandex money 1.95% of the amount, at least 40 rubles.
Minimum commission at Tinkoff Bank and MKB. At Tinkoff Bank, the commission is 0% only for bank clients and only for transfers up to 20,000 rubles in total for the reporting period, and then 1.5% or at least 30 rubles is charged. MKB - Credit Bank of Moscow applies the lowest fixed commission: 1% of the amount or at least 50 rubles. Let's look at his example, how the translation is carried out.
You need to do 3 steps:
- STEP 1: Go to the website https://card2card.mkb.ru/ and fill in the data of both cards;
- STEP 2: Read the rules of using the service, confirm them and click the "Next" button
- STEP 3: if necessary, enter the code that your bank sent you via SMS;
After these steps, your payment will be processed. The money will be credited to the recipient's card within 3 days. It is impossible to predict the transfer time in advance, sometimes the money comes in a few minutes, and sometimes it takes 1-3 days to wait. If after 3 days the money has not arrived on the recipient's card, then you need to contact your bank or the bank whose service you used to make the transfer. If you use the service from Tinkoff Bank, the transfer period can take up to 5 days.
Transferring money to another country
Russian MasterCard and Visa cards are international cards, so the question of whether it is possible to transfer money to a foreign card sounds quite logical. Most of the services work with all Russian cards and have no exceptions. But there are services with which you can transfer money from a Russian card to a card issued in another country. Alfa Bank has such functionality. The commission for an international transfer is 2% + 40 rubles.
The principle of transferring money from card to card between different countries is the same as between Russian ones. The service can be used bilaterally by holders of cards of the MasterCard payment system, which were issued in most countries of the post-Soviet space. Clients of the Russian Alfa Bank can use unilaterally to transfer money to several dozen countries, among which there are all European countries, but not the United States.
How to transfer money from card to card on the phone
You will still need Internet access. You can use the classic Internet version of money transfer services using a regular browser on your smartphone. There is another option - to transfer money using the application. One of the most convenient and profitable applications was released by Tinkoff Bank.
The Tinkoff app is available for all major platforms: Android, iOS and Windows Phone. One of the functions of the application is to transfer money to the card. The functionality is similar to the Internet version https://www.tinkoff.ru/cardtocard/, however, you, as a bank client, can save your card and later use the data for quick payments. The application was recognized as the best banking application in the Russian segment, and to make a payment, you just need to follow the instructions inside the application.
Tinkoff offers its clients free transfers within the first 20,000 rubles for the reporting period. Two things are important to understand here:
- The reporting period does not coincide with the beginning and end of the calendar month;
- Free transfers are available only for Tinkoff Bank clients;
If you are a client of Tinkoff Bank, then you can transfer up to 20,000 rubles to a card of any other Russian bank for free. If you are a client of any other bank, then you can also use the application, but the rule of the first 20,000 rubles does not apply to you and you do not need to worry about the start and end dates of the reporting period. Customers of Tinkoff Bank can find out data about the reporting period inside the application.
Yandex also does not stand still and has released an official application for translations. We have already examined in detail how to transfer money from card to card using the application from Yandex. Unlike the TCS Bank application, the Yandex application is available only for two systems - iOS and Android.
Benefits and Disadvantages
Transfer from card to card via the Internet is the quintessence of advantages. You save time, you do not need to fill in a lot of data, and in some cases the translation is completely free. But along with this, there are serious disadvantages. For example, you won't be able to cancel a payment if you change your mind. The unpredictability of how long the money will go - a minute or 3 days, does not allow for clear planning.
You may not be afraid that you will make a mistake in the recipient's card number. This is the main concern when using such translation services. The checksum is encrypted in absolutely all numbers, which is calculated by the service before sending. And if you make a mistake in the number, the service will tell you that the card number is incorrect.
Tinkoff Bank is a clear leader if you are a client of the bank. Other banks, for example, in Alfa Bank, also have free transfers from card to card. But other banks offer free transfers only between cards of one bank, and TCS Bank offers transfers from a Tinkoff card to a card of any bank. But even despite the paid service in most cases, the commissions are minimal, and the benefits from such a service are truly tangible.
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