PJSC Sberbank, issuing plastic cards offers its clients a range of possibilities. But there are also restrictions on these cards. For example, a daily limit is set at Sberbank for basic operations, and exceeding this limit requires payment additional interest, the dimensions of which we will familiarize ourselves with in this article.

Daily limit restrictions for different types of Sberbank cards

To choose a card that suits all parameters, you need to carefully study all its capabilities.

Sberbank plastic cards are classified according to the following parameters:

• by type: debit and credit;
• by purpose: salary, children's, ;
• by use: for international and domestic transactions;
• By payment system: ;
• by class and status: , Platinum.

In addition to the above differences, Sberbank also offers cards designed specifically for participation in partner promotions (,).

To choose the right card, you need to study its capabilities, conditions, and, of course, restrictions on transactions. The last parameter is important for those who carry out large settlement transactions. The higher the card level, the higher the monthly and daily limits at Sberbank.

It is also worth considering the fact that restrictions will vary depending on which system is used. The branch cash register has a higher limit than the ATM.

The commission when withdrawing cash also plays an important role. Using ATMs (including those of other banks) or cash desks of Sberbank branches located in other territorial districts, you will have to pay a commission. It’s a different matter if you take advantage of the capabilities of the branch that services the card. In this case, there are no additional write-offs.

If you need to use bank cards outside the country, you should check the daily limit at Sberbank for a number of transactions and the bank’s commission.

Daily limits on cash withdrawals from cards

The limit on cash withdrawals varies depending on the type and class:

• from premium level cards of two payment systems (Visa, Mastercard), you can withdraw 500 thousand rubles per day;
• from Gold class cards: 300 thousand rubles;
• from classic (universal) cards: 150 thousand rubles;
• Momentum instant issuance cards: no more than 50 thousand rubles.

Although there are limits, there are ways to get around this limitation. When withdrawing an excess amount at a Sberbank branch, a commission of 0.5% is charged on the excess of the limit. This commission applies to all types of Sberbank cards, if cash withdrawal is carried out at the branch that services the card.

It is impossible to withdraw an amount exceeding the allowed limit from an ATM.

Sberbank clients served in subsidiaries of Sberbank in the CIS countries can conduct transactions at cash desks without restrictions, but with a commission of 1%. If transactions are carried out through the cash desks of others financial organizations, a certain percentage is charged:

• for transactions with cards and other territorial banks: 0.75% of the withdrawal amount or 0.75% of the amount exceeding the limit;
• for transactions on all other Sberbank cards outside the country: no additional charges;
• for transactions carried out through other financial and credit institutions: 1%, but not less than 150 rubles;
• cash out funds from student and social cards possible only at ATMs or Sberbank branches.

If you need to withdraw money from an ATM of a Sberbank subsidiary, this is free for all cards except non-registered ones. For carrying out transactions using remote services of other banks, a commission of 1% is charged, but not less than 150 rubles, regardless of the types and level of cards.

Monthly restrictions and limits on Sberbank cards

The limits set by Sberbank can be not only daily, but also monthly. The following restrictions are provided for carrying out withdrawal operations per month, without charging a commission:

• from Platinum class cards of two international payment systems: RUB 5,000,000;
• from Gold class cards: RUB 3,000,000;
• from classic (universal) cards: RUB 1,500,000;
• from social: RUB 1,500,000;
• youth: 1,500,000 rubles;
• instant issuance cards: RUB 100,000.

Daily limit in Sberbank Online

It is more convenient to manage accounts remotely, so many are interested in what limits are set for transactions through Sberbank Online - for settlements, transfers, etc.

Today the following is established for users of the remote service: daily allowance limits:

• transfer Money to the card of another Sberbank client or private account: no more than RUB 1,000,000;
• replenishment of the personal account of a telephone number of any telecommunications operator (MTS, Beeline, Megafon and Tele2), as well as an electronic wallet of all payment systems or transfer to a card by account number: up to 10,000 rubles;
• replenishing a Social card account by withdrawing funds from deposits: up to RUB 1,000,00;
• replenishment of the Client's brokerage account: no more than 999,999,999 rubles ( this figure may be adjusted by Sberbank);
• carrying out any operations that require confirmation using a code received at an ATM: up to RUB 3,000;
• transfers from a Sberbank card to bank cards of clients of other banks using Visa Money Transfer and MasterCard Moneysend technology: up to RUB 30,000. for one operation and no more than 150,000 rubles per day. The monthly limit for this operation is 1,500,000 rubles.

There are also limits on the number of transactions performed per day or month. But they concern only two operations:

• You can top up social cards with deposit money 2 times.
• You can transfer funds between your cards or to cards/accounts of other clients 100 times.

On the Internet you can often find offers on websites with advertisements for the purchase of any product from private individuals. In this case, the priority payment requirement is to have an account with Sberbank. But not everyone knows that there is a transfer limit from a Sberbank card to a Sberbank card when in various ways funds transfers.

And you can send money from your bank account to someone else’s Sberbank account in several ways. At the same time, all transfer options are quite easy to use and will deliver any amount to the recipient intact.

Sending funds using a terminal or ATM

If you have bank plastic and a sufficient amount on it, you can transfer funds between card accounts using an ATM. To do this, you will need to insert a bank card into the card reader and enter the PIN code.

From the menu items, select transfer between customer cards. And on the proposed page we enter the card number of that participant payment transaction, to whom the sent amount is intended.

The plastic number can be written in a format of 16 to 19 characters.

It is with this number of numbers that Sberbank embosses plastic cards. After this, the amount for transfer is entered and the payment can be confirmed. The money will definitely reach the recipient.

But there is a certain limit for transferring funds from card to card in Sberbank through self-service devices. The maximum allowed is 300 thousand per calendar day. This limit applies to cards with the Gold or Platinum prefix. The lower Standard or Classic class allows a size of no higher than 200 thousand. Other student or social benefits are limited to 100 thousand rubles per day.

Transactions via Mobile Banking

The youth part of clients using Cell phones as payment devices, prefers to transfer money using his cell phone. To do this, Sberbank offers to use the service Mobile bank. To use this service, you must first connect it.

To use transfers, you need to send messages with details to phone 900.

If you send within the framework of this service without templates, indicating only the recipient’s phone number, then the maximum transfer amount from card to Sberbank card will be 8 thousand rubles per calendar day. The total number of such transfers should not exceed 10 operations.

When transferring to the recipient’s card indicating all its data, the limit will be up to 100 thousand rubles, or 4 thousand in dollars, and 3 thousand in euros.

Transfers via Internet banking

Clients connected to Sberbank Online can make transfers even from home. To do this, you will need either a device with a mobile version of the service installed or a full-fledged computer with Internet access.

Maximum amount transfer through Sberbank Online is 100 thousand rubles. This limit also applies to card transfer transactions. However, it can be raised to half a million if you call the contact center and identify the transfer. You can also enter this operation as an identified template and next time do without confirmation in the contact center.

Like other banks, Sberbank also establishes daily allowances and money transfers. These restrictions were introduced for additional security of clients, since during the transfer there is a risk of a technical failure, as a result of which fraudsters could take possession of the money. What is the maximum transfer amount from card to card via “ ”? Are there any limits on non-cash transfers? How to transfer large amounts, and what is the maximum amount limit? All of the above questions will be discussed below.

Features of money transfers from card to card of Sberbank

For the convenience of its clients, Sberbank has provided several methods of non-cash transfer. For money transfer you can use the “ ” service, the advantage of which is clarity, as well as: the public terminal, “ ”, and mobile application"Sberbank Online". Each method has advantages and disadvantages. Also, all methods have different daily limits, which must be taken into account based on the transfer amount.

Commission for transfer from card to card

Transfer from card to Sberbank card:

• if the recipient's account is opened in the same city, then there is no commission for the transfer;
• if the account is opened in another Russian region, then a commission of 1.5% of the amount is charged for the transfer. The minimum commission amount is 30 rubles, the maximum is 1000 rubles.

Transfer from a Sberbank card to a card of another bank:

• When transferring from a Sberbank debit card to a card of another bank, a commission of 1.5% will be charged, but not less than 30 rubles. For example, when transferring to , it will also be 1.5% (at least 30 rubles), but if transferred through the system, this payment can be counted as payment, and no commission will be charged (from the experience of other users).

Transfer from a Sberbank debit card to a Sberbank card through a bank branch

If the recipient of the transfer is not the owner of a Sberbank bank card, then the most convenient way to transfer from account to account will be a Sberbank branch. To do this, you must present your passport and recipient details to a bank employee.

If the transfer is made between Sberbank cards opened in one branch, then no commission is charged. The amount of funds transferred in this way is not limited. The operation takes two to three business days.

What is the maximum amount that can be transferred from card to card per day?

If the Sberbank Online service is used to make a transfer, then the maximum transfer amount per day is 1,000,000 rubles. You can make money transfers from card to card at a Sberbank branch in any amount. This feature is due to the fact that all transactions in a bank branch occur with identification confirmation.

If the recipient is located in another region of Russia, then the commission will be 1.5%, but not less than 30 rubles and not more than 1000 rubles per transfer. No commission is charged when making a transfer between bank cards issued in the same region.

Transfer through the Sberbank Online Personal Account

Before you can use it, you need to connect it. To log into the system, you can use a terminal (ATM) or by visiting a Sberbank branch.

Maximum transfer amount per day from card to card via Sberbank Online

, you must select the “Payments and Transfers” column. Next, you need to select the “Transfer to Sberbank client” option. To make a transfer, you need to know the recipient's 16-digit bank card number, as well as his last name, first name, and patronymic. The recipient's details and the transfer amount are entered in the appropriate fields. The only disadvantage of such a transfer is that the completion time of the operation can be up to 5 working days.

The maximum amount of one transfer is 100 thousand rubles, and total amount transfer is 1,000,000 rubles. No commission is charged if bank cards (sender and recipient) are issued within the same region of Russia. If you contact the bank, bank employees can increase the maximum daily limit for transfers.

Transfer of funds to a Sberbank client from another region

If the recipient of the money transfer is located in another Russian region, then a commission of 1.5% is charged for the transfer operation. The commission cannot be less than 30 rubles and more than 1 thousand rubles. The daily limit on money transfers applies in this case.
The maximum transfer amount depends on the type of bank card. For entry-level cards (or) the daily limit reaches 50 thousand rubles. For other bank cards - 150 thousand rubles. The transfer takes place within a few minutes.

Transfer to a card of another bank

If the recipient of the transfer is a card holder of another bank, then you need to select the “Payments and Transfers” section, and then select the “Transfer to a client of another bank” item. In the window that opens, fill in the details for the transfer (16-digit card number, recipient's full name, transfer amount).

Transferring funds through Mobile Banking

You can transfer money. You can activate it either by personally contacting a bank branch. How does the money transfer take place in this case?

By Sberbank client card number

Knowing the 16-digit card number, you can transfer money using your phone and the Mobile Bank service. To do this, you need to send an SMS command indicating the last 4 digits of the recipient’s bank card, the last 4 digits of your card and the transfer amount.

Example: TRANSFER 1345 3456 3000

The commission is charged only if bank cards were issued in different regions of Russia. The commission amount is exactly the same as in the Sberbank Online system and equals 1.5%.

Transfer amount restrictions are similar to the Internet banking system and depend on the type of bank card.

Transfer of funds by phone number of a Sberbank client

You can transfer money from your card to another person’s card if you know the phone number to which his bank card is linked, as well as. If the service is activated, then to transfer a money you need to send an SMS request to number 900 with the word “ TRANSLATION", the transfer amount and the recipient's phone number. In response, you will receive an SMS message with a password, which must be sent to number 900.

What is the maximum amount that can be transferred through Mobile Banking?

The maximum amount when transferring money through the Mobile Bank system is 8,000 rubles and no more than 10 transactions per day.

Transfer through an ATM or bank terminal

Another way to transfer funds is using ATMs and Sberbank terminals. In the menu, you need to select the “Payments and Transfers” tab, and then follow the prompts. If problems arise, it is recommended to call the Contact Center specialists. The maximum transfer amount through an ATM or terminal is 150 thousand rubles.

Conclusion

All of the above methods apply only to transfers between debit cards. Transfers between credit cards are not implemented, they can only be replenished. Before making a money transfer, you should carefully study the article and determine the appropriate method.

Transferring money is no longer a problem for modern man. A large number of transactions can be carried out without leaving home, thanks to Internet banking. However, Sberbank does not allow uncontrolled movement of money. Daily limit the number of transactions is one of the necessary conditions, the observance of which guarantees comfortable and calm work with the system.

What is the purpose of setting a limit?

The limit is the largest amount that a bank client can transfer per day to their own or other people’s accounts. Financial institution is obliged to regulate the movement of all money in its accounts and ensure the safety of its clients, and this is the main explanation for the established restrictions.

A limit on the number of funds sent from a Sberbank account exists to allow systematization of operations and control over movement cash flows. The amount limit does not depend on whether the client makes an internal or external transfer.

This is also convenient for cardholders:

1. Bank clients are forced to rationally distribute finances and plan operations.
2. Protects money in accounts - which will prevent fraudsters from withdrawing a large sum in case of unauthorized access.

It is not always possible to quickly block a card, but the presence of such a restriction will protect you from significant financial losses. In addition, with proper reaction speed, you can have time to cancel the transaction and not lose money.

Transfers from card to card from July 1, 2018

False news appeared online that from July 1, when banking operations between individuals, information will automatically be sent to tax service, or a tax of 13% will be deducted from the transfer amount.

There are no legal requirements for the transfer of information or movement on accounts and cards. However, according to Article 86 of the Tax Code of the Russian Federation of 2016, banks can provide information about operations and owner data only if there is a legal basis for requesting information - a reasoned request.

Options for transferring funds and their restrictions

There are several ways to transfer money, each of which has its own characteristics. Limit amounts may vary depending on the method of operation and type of plastic.

Using the Sberbank Online system

A convenient resource for quickly transferring money https://online.sberbank.ru/, which, in addition to a lot of advantages, has the following limits when transferring funds to a Sberbank card or any other bank:

1. By using one-time password– 30,000 rub.
2. When confirmed via SMS – 100,000 rubles.
3. When confirming the transaction to the operator - 1,000,000 rubles. The contact center operator needs to provide the password and personal data.
4. When making payments to operator accounts mobile communications– 10,000 rub.
5. For international transfers– $5,000 per day.

Using the Sberbank Online system, no more than 100 transactions per day are allowed.

Depending on the type of card, the following restriction applies: this applies to owners Maestro cards and Visa Electron the largest amount will be 50,000 rubles, when for Visa and MasterCard holders - 500,000 rubles. per day.

The daily limit is valid for exactly 24 hours. That is, exactly one day after the actual transaction is completed, you will be able to use all the functionality of the service again.

Via Mobile Bank

Mobile Bank is one of the most accessible and quick ways make a transfer. Due to its simplicity, this service is not too reliable, so it is suitable for transferring small amounts.

The system has a daily limit of 8,000 rubles. for both the sender and the recipient. Quantity available operations per day – 10.

Using ATMs

When using ATMs or self-service terminals, you can quickly and reliably transfer money to Sberbank cards. IN in this case restrictions on the size of the transfer depend on the type of bank card.

The table shows the possible amounts, depending on which card the sender owns.

This convenient way, allowing you to transfer large amounts. According to the possible maximum transfer value, the use of such banking equipment second only to cash service. If any problems arise during the operation, you need to call the customer support service using the short number 900.

According to the legislative norms of the Russian Federation, when transferring an amount over 600,000 rubles. the sender must be ready to confirm the legality of the income received.

At the Sberbank cash desk

This option will be optimal for those who need to transfer a large amount, as it has no restrictions. To send funds, you need to personally visit a bank branch and present your passport and bank card. The operator can make both card and cash transfers.

Results

To prevent banking restrictions from becoming an obstacle to financial activity, it is important to understand the nuances and rules for withdrawing money and transferring it. The best option would be to inquire about all the conditions at the stage of processing the plastic. And choosing the optimal method for sending funds will give you the opportunity not to worry about the fate of the monetary transaction.