How to transfer money from a savings book to a Sberbank card: all methods. Is it possible to transfer money from your passbook to a friend’s passbook? Is it possible to transfer cards to a passbook?

Using a savings book is not the most convenient way to store and handle money.

The choice in favor of a savings book can be made for various reasons, but such placement of your finances deprives you of mobility in handling them. Therefore, in order to carry out various payments and settlements, it is often necessary to have funds in a bank account.

How to transfer money from a savings book to a card using an ATM

There are several ways to transfer funds from your savings book to Sberbank's bank card. When transferring funds between the accounts of one client, there is no transaction fee. To carry out financial transactions without visiting a banking institution, you must first conclude a universal agreement at a bank branch.

The simplest and most accessible way to transfer funds from a book to a card is to use an ATM. To do this, it is enough to have a Sberbank bank card. Next, find the ATM of this financial institution.

Insert the card into the ATM card reader.
In the field that appears on the screen, enter the card PIN code.
Next, go to the “Personal Account” section and find the “Transfer” button.
Click on it.
Among the presented menu blocks, select “Deposit Card”.
Next, you need to fill in the parameters - the details of your savings book.
Please carefully check the correctness of the information provided.
Carry out the operation.
After the beep, you can pick up the card.

Funds will be debited and credited within the same day. When working with a self-service device, remember that the ATM allows up to 30 seconds. pause between operations, so do not rush too much and desperately click on the device keys.

Transferring money from a savings book to a card: using the Sberbank Online service

If you have access to the Internet, then you can transfer funds without leaving your home. For this:

Go to the Sberbank website online.sberbank.ru/CSAFront/index.do.
Using your login and password, authenticate yourself in the system.
Among the fields listed, find the “Operations” section.
Select the “Transfers” block, in which you need to click the “Transfer to card” item.
Enter the details of the account from which funds will be debited.
Enter the details of the card to which the funds will be credited, as well as the amount of the transfer. In this way, you can transfer not only to the bank account of a given financial institution, but also to the account of another bank.
Confirm the operation.

If funds are transferred to a Sberbank card, the operation is carried out instantly. When transferring funds to cards of other banks, funds can be credited within 3 days.

Transferring money from a savings book to a card: visiting a bank branch

This method of transferring money is the least convenient, however, in some cases it is the only possible one. To do this, you need to come to a bank branch.

Fill out an application for making a transfer, in which you indicate the amount of the transfer, the details of both “participants” in the transfer of funds, and your passport information.
If the client wishes, he can indicate his phone number. When you activate SMS notification after funds are credited, a notification about a successful transfer will be sent to your phone.

The term for crediting funds is up to 3 days.

As for the fee for transferring funds from a savings book to a bank card, it all depends on the financial institution to whose card the transfer must be made. If the transaction is made between savings bank accounts, there will be no commission. If you need to transfer funds from a savings book to a card of a third-party financial institution, you will need to pay a commission of 1% when transferring money using an online service, 1.5% when transferring funds at a cash desk with the help of a bank employee.

Passbooks are no longer issued to bank clients, since with the advent of plastic cards they are no longer necessary. And during the period of liquidation of savings books, not all citizens managed to return their deposits. Therefore, there are ways to transfer money from a book to a card through Sberbank Online and in person at a financial institution. There will be no difficulties in completing the procedure, but you must follow the basic rules for making a transfer.

Transfer of funds from the deposit is carried out by performing the following mandatory actions:

go to the main page of the Savings Bank, where you need to display your login and password;
in the menu of personal accounts and cards you need to find a savings account and select it for further monetary transactions;
after this, the portal will offer to select one of the options, namely, “Transfer between personal accounts”;
in the next window you will need to indicate that you need to transfer money from the book balance to the card;
Next, you will need to display the debit amount, after which you need to click on the “Pay” button.

After this, the system sends an SMS with a one-time code to the account owner’s mobile number to confirm the user’s identity. Entering the received password in the special fields completes the procedure.

You can also transfer money to a card from a savings book through a mobile application. To do this, you must first download the program onto your smartphone and undergo mandatory user authorization of the system.

Then you have to go to the payments menu and select the “Exchange savings between personal accounts” command, after which a form will open for filling out the details of the original account and the one to which the funds will be debited. After filling out the details and entering the debit amount, you will need to confirm the procedure via SMS password. As a rule, within 30 minutes the funds are transferred to the card.

Not all clients have the ability to remotely access their accounts and cards. In order for the user to manage personal finances online, it is necessary to pre-register on the official Sberbank website. But that's not all. After creating a personal account, the bank client’s profile displays information about all available cards and accounts. But there is no data on savings books on the portal.

You need to additionally connect your savings book to the system, after which you will have access to the full range of financial opportunities for investors.

The transfer fee

Interest charges depend on which accounts the money is exchanged between.

Important! If the procedure is performed between a card and a book registered to the same owner, then no additional costs will be required. Otherwise, the sender will need to pay an additional 1% of the amount of savings sent.

In addition to the above, there are additional options through which you can transfer money from a savings account. The most reliable of them is a bank branch. An employee of the institution will independently check all payment papers and help fill out the withdrawal form, after which the money will be debited to the card account. But the period for such enrollment takes about 3 days.

Another way is to use an ATM. But for this, it is necessary to have the plastic carrier into whose account the savings should be received. You need to scan your card at the ATM and then go to the deposit menu. This section will allow you to order the payment of money from a deposit to a card.

A passbook is a paper document confirming the existence of a bank account with its owner. And since there is an account, therefore, various financial transactions must be carried out on it. Therefore, the answer to the question whether it is possible to transfer money to a card from a savings book will be in the affirmative - yes, it is possible. The following describes in detail how to transfer funds to a credit card from a savings book and vice versa.

Step-by-step instructions for transferring from a savings book

There are several ways to transfer money from a savings book to a Sberbank card:

via the Internet on the Sberbank Online resource;
with the help of a cashier operator of a financial organization;
using an ATM or self-service terminal.

If you are faced with the task of transferring funds from a book to plastic, then use the simplest method of transfer, which does not even require leaving your home.

Internet turn

Open the page online.sberbank.ru (Sberbank Online) in your browser.
Log in to your personal account using your registration data (login and password).
Here in the main menu you should definitely see the “Savings Book” option, which you should click on.
Next, click on the “Transfer to Sberbank card” command.
Indicate the recipient's details (card number, full name of address, transfer amount).
Check that the entered data is correct and click the “Submit” option.
Enter the transaction confirmation password (you will receive it via SMS).

From this moment on, the cash transfer operation will be considered completed.
It should be noted that this option is only possible if the savings book was obviously registered in online Sberbank.

Prepare the following documents: personal passport of a citizen of the Russian Federation, savings book and card to which the transfer will be made.
With the above documents, come to the Sberbank office nearest to you during the company’s opening hours (the operating hours of branches can be found on the official website of the organization).
Contact the cashier, show him the prepared documents and state the amount you intend to transfer. At the same time, if you know your account number from the agreement with the bank, this will speed up the process of sending cash.

Transferring money using this method will take no more than 48 hours.

Transfer via ATM

insert the plastic to which the money will be sent into the card reader compartment;
enter your credit card PIN code;
in the menu, select the section “Cash transfer from account to card”;
enter the full details of the savings account;
indicate the required transfer amount;
Confirm the operation with the “Execute” option.

A transfer transaction via an ATM is completed within 24 hours.

How to transfer money from a Sberbank card to a savings book?

You can transfer money from a Sberbank credit card to a savings book in several ways: via the Internet, an ATM, or a bank cashier.

The first Sberbank cards appeared back in 1990, and until then clients could only open a savings account using a savings book. During the transition period, clients still had the opportunity to choose between a book and a card - operators served both options, but these days this anarchism has completely disappeared, deposits are made either to a savings account or to a plastic card.

Transfer from savings book to Sberbank card: instructions

So, if you have accumulated money in your savings book, and you need to pay in stores non-cash, then you can use your own funds.

If your book is connected to the Internet banking service, then it must be displayed on the client’s personal page. If not, then you need to start with this.

This also applies to a plastic card - it must be connected to the online banking system.

Provided that both financial documents have the connected service of both mobile banking and online banking, go to your personal page by entering the password, login and code from the sms.

Click on the book, in the drop-down menu you need to select the option - transfer between your accounts. In the next window, you need to select where the money will be transferred from (in our case, this is a book), and where - to the card. We write the transfer amount below and confirm the operation via SMS. A message will appear on your page: Completed. That's it, you can go to the store and make cashless payments.

Sberbank transfer from card to someone else's savings book

This operation is more complicated, but it can be carried out from your personal account, provided that you know all the details of someone else’s bank and the book’s savings account number, since it has its own bank account, and we will transfer the required amount to it.

We go to our page, click on the “payments and transfers” option, select “transfer to a current account in another bank”. In the window that opens, enter all the details known to us: BIC, name of another bank. If the system automatically finds it, other necessary data will be entered.

Now you need to enter the last name of the client to whom you need to make a transfer, enter the current account. This point is very important - if the system determines the presence of this client, then you can continue the operation, otherwise it will be written - client not found.

That’s it, after the transfer is approved, the money will be transferred to the client’s current account of another bank within 3 business days.

Transferring money from a savings book to a Sberbank card: tips

If the savings book is not connected to any additional services, then there is only one way out - to personally make a money transfer through the bank operator. In addition to the savings book, you also need to have a passport - otherwise it will be impossible to do anything. Advice: sign up for a banking service agreement online – everything can be done without leaving your home.
If the operator refuses to transfer your funds from the savings book to the card, write the payment order in two copies, draw it up according to the rules, hand it over against signature and keep the second copy for yourself. After your actions, the funds will be transferred; if this does not happen, write a complaint to the Central Bank of the Russian Federation - the bank branch will be fined.
If the book is issued in a Sberbank branch of another city. In this case, you just need to find out all its details, you also need to know the savings account number. If you don’t know him, then you can call the branch where the book was issued, you will need to give your last name, passport details, secret information, and then the operator will tell you the savings book account. Tip: usually the account number is indicated in the agreement - study it carefully and find the necessary information about the savings book bank account.

Although passbooks are no longer issued to clients, they are still in the hands of clients. Now you know how you can make transactions from your savings book yourself.

Such a Soviet archaism as a savings book is used by several million more people in the country. These are mainly Sberbank clients. Younger and more progressive financial institutions are abandoning the use of this instrument in favor of plastic cards and current accounts. This is due to the inconvenience of financial accounting and maintenance of such accounts.

But even Sberbank clients are gradually moving independently to more progressive types of control over their finances. This raises the question of how to transfer money from a savings book to a Sberbank card? And for this you can use several ways.

Debiting from a savings book using ATMs

One of the ways to send from a book account to a card account is to use an ATM. We will need a plastic card, which we will use for this, and a working ATM. After inserting the plastic into the card reader, we enter the PIN code. After this, you will need to select the section labeled “Deposit Card”. In it we enter the parameters of the savings book.

You need to know that the ATM allows a pause between customer transactions of up to 30 seconds.

After this, you can hear a sound warning that the card may be confiscated if operations with it are not continued. After the operation, the transferred amount from the book to plastic via an ATM will arrive within 24 hours. To clarify whether there is a minimum balance on your savings book, you will need to contact the bank’s hotline.

Making transfers using online banking

You can receive funds from your savings book without leaving your home. But first you will need to activate your book account to work through Sberbank Online. This is done at the bank branch. This client request will need to be documented.

Topping up your account through a bank teller

If transfer via the Internet is not suitable for you, then you can contact a Sberbank branch in person.

After waiting in the electronic queue, present your passbook, identification card and plastic card to the freed specialist.

The cashier will debit the book from the account and replenish the card plastic. The money will arrive no later than two business days. In addition to the plastic card, you can provide the bank employee with the account number from the agreement. This trick will slightly speed up the passage of funds through the system. After all, card system servers will not be involved.