Any financial institution works to make a profit. One of the income items of commercial banks is commission for various operations (payments, transfers, money withdrawals). The commission at Sberbank for transferring money will depend on several factors:
- The transfer is made within Sberbank or to an account opened in another bank.
- Territory of translation (one region or different)
List of Sberbank tariffs
The size of the commission at Sberbank when paying a receipt depends on the regional affiliation and the counterparty who will become the recipient of the transfer.
At the same time, the institution documents tariffs and indicates prices for transactions in the “Money transfers” section by area of presence. You can open the tab using this link. Let's take a closer look at the tariffs of this bank:
- For all Sberbank clients, transfers to mobile operator accounts are free. You can transfer money directly without any interest or commissions, regardless of the recipient - relatives or friends. You can complete a transaction through your personal account of a remote service, a self-service terminal or a mobile banking program.
- A fee may apply for housing and communal services if you pay through the cash register. There are typically no additional fees for remote transactions. The amount of commission depends on the agreement between the bank and the management organization, as well as public utility companies providing services to the population.
- Payments for telecommunications services are charged in the same amount as when paying an apartment bill. The operator will charge 2-3% for the work (but not less than 20 rubles) when paying a fine from the traffic police. When using a self-service terminal, services will cost 1-2% less.
- Tax deductions at Sberbank are free. However, these payments should not be confused with transfers to the budget and extra-budgetary funds.
Fast payments Sberbank-online
In addition to using the Business Online service, you can receive payments from customers through the fast payment system. The Sberbank-online fast payment system can be an excellent solution for small and medium-sized entrepreneurs: they will not need to purchase additional equipment, they will only need to print a QR code. Any consumer who has installed the Sberbank mobile application will be able to pay for a service or product through the fast payment system. The payment app is expected to be user-friendly and easy to use so that customers can easily pay for their purchases. The commission for payments made is expected to be no more than 0.7%. A businessman can choose one of several ways to use the service.
How to pay a debt on a receipt
Each Sberbank client can use any of the proposed methods of paying bills:
- Through the operator
. This is the simplest method that people who are far from computers and portable devices prefer to use. To pay the receipt, you need to visit the branch, take a coupon and go to the employee’s window in order of queue. You give the specialist the form and make payment in cash or by bank card. In return, the operator issues a check and change if payment was made in cash. The disadvantage of this method is the waste of time visiting the department and waiting in line. - Via an ATM (terminal)
. You can carry out a transaction in this way only through a bank card. The plastic must be inserted into the ATM, go to the bill payment department, open the “Utility Payments” tab, select the counterparty and read the barcode on the receipt through a special scanner. - In the personal account of the Sberbank Online service
. To download the site, you need a portable device or computer with Internet access. The owner of the account needs to log in to the system, go to the “Payments and Transfers” section, indicate the type of transaction, find the management company and verify the details. The next step is to select the card from which the money will be debited and enter the code received on the phone to confirm consent. - Using an application for mobile devices
. The functions of this small program are similar to the Sberbank Online service, so all actions for paying bills are similar.
Every citizen can close any account through an operator, but all other methods are available only to holders of Sberbank plastic cards. At the same time, non-cash payment of a receipt is cheaper than carrying out the transaction during a personal visit to the branch. The difference can reach 1-2% of the payment amount. . In order to pay for utilities and cellular operator services on the due date, you can use the auto payment service. You can connect this option through an application or online service absolutely free. If you want to save time, the remote method of paying for receipts is more profitable, since in this case the Sberbank commission is lower or absent altogether. You will be notified about current service rates in a particular region at the nearest bank office - hotline operators often do not have such information and will connect you to the same branch.
Online cash registers from Multikas
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Printed QR code. Suitable for trading floors with a small flow of customers. Principle of operation:
- The bank provides a reusable QR code, which is printed by the owner and displayed in a prominent place on the trading floor.
- The consumer scans the code through a special bank application, enters the payment amount and clicks “confirm payment.”
- The cashier receives confirmation from the bank that the payment has been received.
This option is suitable for the following categories of entrepreneurs:
- ― Kiosks;
- ― Mini hotels;
- ― Nail salons;
- ― Small retail stores;
- ― Fair exhibitions;
- ― Hairdressers;
- ― Car parking;
- ― Fitness clubs.
QR code displayed by the cashier at the checkout. Suitable for retail outlets that are equipped with cash register equipment. Through it you can display the code on the screen. Principle of operation:
- The bank provides a QR code, which the cashier displays to the client using any available method - the screen of cash register equipment, a mobile application, a payment page when paying from the website, a sticker on a parcel, etc.
- The consumer scans the code through the bank’s app, checks the payment amount and clicks “confirm payment.”
- The cashier receives confirmation from the bank that the payment has been received.
Conclusion
In the article, we talked in detail about how to accept payments through Sberbank online, and at the same time remain “clean” before the Tax Service and the state. For some small and medium-sized businesses, the recently created service from Sberbank Business Online is suitable; others will prefer the fast payment system. In any case, we remind you that from July 1, all entrepreneurs must stop accepting transfers to an individual’s card and find another legal way to accept payments. If you still have questions or cannot decide which payment method is suitable for your business, then contact the specialists of our Multikas service - they will help you figure it out and find a solution.
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Payment options without commission
Some types of paid services without a commission are not provided through Sberbank. To save payers money, several alternative ways to legally make payments without commission have been introduced:
- PAYQR mobile application - the operation is carried out by reading the QR code using a smartphone scanner;
- official page of the mobile operator Beeline - the site allows you to pay for various services without additional deduction only to existing Beeline customers. A prerequisite is the presence of a positive balance not less than the write-off amount;
- websites of supplied service organizations;
- Government services - most transactions do not require a commission. List of organizations that deduct a fee less than the fee through Sberbank.
How to connect a fast payment system through Sberbank Online?
In order to connect the SBP through Sberbank, you need to perform the following steps:
- Contact the bank branch closest to you and sign the offer agreement.
- Choose the working method that suits you best.
- Tell visitors to your point of sale that you have a new payment method.
- Accept your first payments.
The fast payment system is currently being tested as a method of paying for goods after customers have received them. This calculation method is used by the Wildberries online store. When placing an order, the buyer selects the postpayment option and then receives a QR code. After receipt, if the goods are suitable, the consumer makes payment using this code.
Commission on account closure
It happens that banking organizations change the procedure for calculating commissions when closing an account. The court may recognize the illegality of such actions. For example, the bank established an increased commission for transferring money after closing an account to another financial institution. If this condition did not exist at the time the contract was concluded and the citizen was not informed about it, the court may oblige the bank to return the commission fee.
Thus, the bank can make changes to commission fees, but only in a form that allows them to obtain the citizen’s consent or disagreement to be serviced under the changed conditions. However, the publication of updated information on the website of a financial organization does not meet this requirement.
Money transfers between individuals
Now let’s consider the question of how much you will have to pay extra for transferring funds between individuals. It’s worth noting right away that there is no commission when transferring between your cards and accounts (issued for the same client). Also, you will not have to pay a commission if the transfer is made to another Sberbank client who is located in the same region.
But if a Sberbank client is located in another region, then you will have to pay 1 percent of the transfer amount (but not more than 1,000 rubles) if the payment is made through online services or a payment terminal. If you make a transfer through an employee at a branch, the commission will be 1.5 percent (no less than 30 and no more than 1,000 rubles).
If you need to transfer an amount to a client of another bank, you will have to pay:
- 1 percent (no more than 1000 rubles), if payment is made through a terminal or online service,
- 2 percent (not less than 50, but not more than 1,500 rubles), if through a bank employee.
Account opening and maintenance
You can open an account and receive a card at any Sberbank branch. You can order a plastic product online on the bank’s website. The service of depositing money onto a card is free of charge, no commission is charged. Without a subscription fee, you can use a mobile application with options for transferring funds, making payments and paying bills.
There is an annual fee for banking services, the amount depends on the type of card.
| Card type | Terms of annual service |
| Classic Visa card | 750 rubles 1st year, then 450 rubles |
| KK Aeroflot | 900 rubles 1st year, then 600 rubles |
| CC "Gift of Life" | 1000 rubles 1st year, then 450 rubles |
| Map with the Troika transport application | 900 rubles 1st year, then 600 rubles |
| Youth MasterCard | 150 rub./year |
| Visa Gold Card | 3000 rub./year |
| Social card MIR | for free |
| Instant Visa card | for free |
In addition to annual maintenance, a monthly fee for Mobile Banking is also charged as part of the full basic or standard tariff (30 or 60 rubles per month). The service allows you to receive real-time information about receipts and debits from your account, as well as make transfers and payments using special commands sent to number 900.
Amounts of Sberbank commissions in 2021 in the table
| Payment Methods | Commission | Minimum size | Maximum size |
| At a Sberbank branch | 3 % | 15 rub. | 2000 rub. |
| Through the terminal in cash | 1,5 % | 10 rub. | 2000 rub. |
| Via card terminal | 1 % | 0 rub. | 1000 rub. |
| In the Sberbank Online system | 1 % | 0 rub. | 1000 rub. |
