Repay your loan online with a bank card. How to pay a loan online using a bank card

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Nowadays, in order to pay off a loan, you don’t need to leave your home at all. Especially if you have the required amount on your debit card, then why not make the payment online. Active users of Internet banking are wondering whether it is possible to pay for a loan using an agreement number in the same or another bank through Sberbank Online? If you only have the loan agreement number, but you know the amount of the monthly payment, you can make the payment through this Internet banking. Now we will tell you how to do this.

Payment instructions

It’s not worth mentioning how useful the Sberbank Online system is for the average user. In fact, this is a bank branch in your home. Through this system, you can apply for loans, receive approval, and then pay for these loans. If you need to repay your own loan taken from Sberbank, there is no problem. The system itself will display this loan, and to pay it you will only need to select it and determine the write-off card. With loans taken from other banks, the situation is a little more complicated, but not much.

We log in as usual in the Sberbank Online system and go to the main page.
We make sure that the debit card has the required amount to pay the debt.
We go to our usual “Payments and Transfers” section. There is a lot in this section, but we need the “Repaying a loan from another bank” tab.
Next, a list of banks with which Sberbank cooperates will open. In these banks, a loan can be paid by knowing the payer’s full name, his address and the number of his loan agreement. We choose, for example, Alfa-Bank.
A form opens in which you need to enter data.
After all the data has been entered, select the debit card from the drop-down list from which you want to debit money and click the “Continue” button.
At the next stage, carefully check all the data and enter the payment amount.
Confirm the financial transaction and remember to save the receipt.

The funds will be credited to the partner bank account instantly, but there are cases of delays either due to the fault of Sberbank or the fault of the partner bank. If a payment is late, it will not be the bank that will be responsible, but the client, so we recommend paying the loan in advance. At least 5 days in advance. Considering that, by law, the delay in transferring money cannot last more than 5 business days, this means that you need to transfer money to pay off the loan 5 days before the payment date. It's more reliable.

Unfortunately, if your loan was taken out from a third-party bank that is not on the list of Sberbank partners, you will have to make a transfer using BIC. To do this, go to the “Loans/Transfers to another bank using BIC” subsection, enter the required numbers, select a debit card and confirm the payment.

Other payment methods

You can pay for a loan from a third-party bank not only through the Sberbank Online system, but also through Mobile Banking. You can do this using your account number, if you have it at hand. Let's consider the procedure.

Log in to the system.
Open “Transfers and Payments”.
We find the subsection “To an account in another bank.”
We fill in the fields of the card with information about the current account number, debit card, and payment amount.
Click the “Pay” button and confirm this simple financial transaction.

If you have problems accessing the Internet and have nothing at hand except a mobile phone, do not despair. If you have a loan from Sberbank, you can make payment via SMS. The condition is as follows: the phone must be connected to a bank card, that is, the SMS banking service must be connected to it. Dial SMS: CREDIT<двадцатизначный № счета><сумма платежа><последние 4 цифры номера карты списания>.

The text will look like this: CREDIT 54673990689944092573 8500 4521, no punctuation marks are needed, it is acceptable to put spaces separating the account number, payment amount and card number. As soon as the SMS is typed, we check its contents and then send it to number 900. The money for the loan payment will be written off instantly, unless, of course, you made a mistake with the payment details.

So, repaying the debt using the loan agreement number, BIC or other details through Sberbank Online is as easy as shelling pears. You can spend 20 minutes and figure it out yourself, or you can save this time by reading our article and making a payment in 3 minutes. Good luck!

The online banking payment system is very convenient for borrowers. Payments can be made from home or at your workplace. All you need is an Internet connection and a login and password to log into your personal bank account.

You can obtain your login and password at a bank branch or at an ATM. At the bank, a login with a password for your personal account can be obtained by contacting the operator. An agreement for Online service is concluded, the login is indicated in the agreement, and a temporary password is received in an SMS message. Some banks issue a login and password in a special envelope.

At Sberbank, you can find out your login through the Contact Center by calling 900. To verify your identity, the operator specifies your personal data and asks you to give the code word. To receive data through an ATM, you need to insert a card, enter a PIN code, and select “Online Banking” from the menu. The information will be indicated on the printed receipt.

How to pay a loan through Sberbank Online

Monthly payments for loans taken from Sberbank are debited from the client’s account automatically. If automatic debiting is not configured, then money from a debit account to a credit account can be transferred through the Sberbank Online service.

To make a payment through Sberbank Online, you need to perform a number of actions:

Go to the “Payments and Transfers” tab and select “Transfers between your accounts”.
We indicate the account from which the payment amount will be debited.
Select a credit account.
Enter the transfer amount.
Click on the “Translate” button.
We confirm the transfer.
The payment form opens with the “Completed” icon.

The second payment method is through the “Credits” menu item. Open the tab and find the loan you want to pay. Select the account from which the payment will be debited and the amount. Click “Confirm payment”. Funds are credited to the credit account within the bank on the same day.

Payment to Sberbank Online loan from another bank

Borrowers from any bank can repay a loan from a third-party bank through the Sberbank Online payment system. To pay, you need to know the details for transferring funds.

Procedure for paying a loan:

Go to the “Transfers and Payments” menu item.
Select the “Repayment of loans from another bank” tab.
In the list, select either the desired bank or click “Transfers by BIC”.
Select the account from which the loan will be paid.
Enter the BIC of the bank - the recipient of the payment. (BIC can be found from the loan agreement or from the bank. For example, BIC Home Credit 045585216)
Click “Continue”.
Fill in the payer’s personal information.
We indicate the amount and credit account.
Payment is confirmed via a code in an SMS message.

Before confirming payment, you must carefully check all payment parameters, otherwise the funds will not reach the addressee and will be returned to the sender’s account. This may result in late payment.

How to pay a loan through Alfa Bank online?

To pay for a loan through Alfa Bank, you can use the Alfa Click account.

To pay you need:

Go to the “Credits” tab. Information on existing loans and the amount of monthly payments will appear.
Select “Pay loan” and payment method “From current account”.
We indicate the account from which the repayment will be made and the amount.
We check the data and confirm payment.
Enter the code from SMS.

You can also check the amount credited in the “Loans” tab.

Alfa Bank makes it possible to repay a loan from any bank card. To do this, select the payment method “From a bank card”, fill in the card details and confirm the payment. The Mobile Bank service must be activated on the card.

Payment for a loan from a third-party bank is made using the details of the loan account. Select the “Transfers” tab and fill in the payment information. You must first clarify the time of payment.

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How to pay a loan online at Post Bank?

Post Bank accepts payment via the website

To make a transfer you need to fill out the payment form:

contract number;
Full name of the borrower;
e-mail;
Visa or MasterCard card type;
replenishment amount;
Check the box to read the terms and conditions for processing personal data.

The transfer fee is calculated automatically, depending on the card type. When paying with a Visa card, the commission is 2.5%, with MasterCard - 1.9%. The total amount to be paid includes commissions. Next, the card details are filled in and the details are checked. To confirm the payment, you must enter the code that will be sent via SMS.

Payment by credit card is made here, on the Post Bank website: select “Make payment”, then check “By card number”. We enter the replenishment card number, personal data of the payer, details of the card from which payment will be made. We check that the details are filled out and confirm the payment.

In what cases will it not be possible to pay?

It will not be possible to pay a loan online if the borrower tries to deposit a larger amount than specified in the agreement. The agreement provides for annuity payments and the bank issues the borrower the same amount for payment every month. That is, the money, of course, will go to the bank, but will remain hanging on the personal account until the next repayment date. In order for the bank to accept these funds to pay off the debt, you need to write an application and submit it to the bank.

It will not be possible to pay a loan if the loan account is blocked for one reason or another. This happens when an arrest is made by bailiffs.

Commission and restrictions

Intrabank transfers are made without charging a commission. For transfers to third-party banks you need to pay from 1 to 5% commission. At Sberbank, the commission for transfers to accounts in third-party banks is 1.5%. Transfers from Sberbank debit cards are limited to 30,000 rubles per transaction, and from 50,000 to 150,000 rubles per day.

Recently, Sberbank has been striving to make loan repayment methods as accessible and convenient as possible for borrowers. Now you can make your next payment or pay off your debt without visiting a bank branch or ATM, 24 hours a day, without leaving your home.

You just need to have a device (computer, laptop or mobile phone) with an Internet connection on hand to access the online bank https://online.sberbank.ru

You can repay a loan through Sberbank Online:

transferring funds from any account to a credit account;
by contract number;
by setting up automatic payment.

Internal transfer to a credit account in Sberbank Online

This method is convenient when, in addition to a loan, you have a salary or other Sberbank debit card. You can deposit the necessary funds into it, and then make the next loan payment via internal transfer in your personal online banking account. Let's look at the whole process in more detail.

In the main menu, find the item “Payments and transfers” and click on it. On the page that opens, you will see the section “Transfers between your accounts and cards”, and under it the link “Repaying a loan at Sberbank”. Follow this link.

Under the form, you will be offered recommendations on the amount of payment - the total amount, the amount of principal and interest. For convenience, you can copy the amount recommended for payment or specify a slightly higher value - this way you will close the loan faster and overpay less on interest.

Click “Pay” to partially or fully repay the loan, confirming the action using the code sent by SMS when making the payment.

Loan payment by agreement number

If you have several loans or credit cards, this method will help you avoid erroneous payments and misunderstandings with late interest.

You can find the loan agreement number in the documents that were issued to you when applying for a loan at a bank branch, or in Sberbank Online. Let's consider the second option.

In your Sberbank Online personal account, go to the “Loans” section by clicking on the corresponding main menu item. All your current loans are displayed here. Click on the desired one to see full information:

amount
payment amount

Here you can find the loan agreement number. Copy it or do not close the tab.

In a new window, open the “Transfers” section and select the “Between your accounts” option. Specify the debit account and the credit account (loan agreement number) and click the “Transfer” button. In the confirmation window, check all the data again and click the “Confirm” button. Wait for an SMS message with a code to confirm the payment, enter the code in the appropriate field. The payment has been made and will be credited to your credit account shortly.

Setting up auto payment for a loan

If you often forget about loan payments, the most convenient service will be auto payment. It is especially convenient if monthly transfers of funds are made to your Sberbank card, for example, salaries. The required amount will be automatically debited from the card on time to repay the loan.

After logging into your Sberbank Online personal account, go to the “My auto payments” item in the Personal menu on the right.

Select the tab you need “To your card” or “To a Sberbank client” depending on the characteristics of the loan.

Specify the deposit account and the debit account, set the payment term and amount, and confirm the transaction with the code from the SMS message.

Paying a loan online with a bank card

Payment using a bank card is no different from the methods listed above. Pay special attention to the card number from which the credit payment will be written off and ensure that funds arrive on the card in a timely manner.

Repaying a loan taken from Sberbank

In addition to all the above options for paying a loan through Sberbank Online, you can choose one of several alternative methods for repaying a Sberbank loan:

Contact the accounting department of your company and issue an order for a monthly transfer of part of your salary to a credit account, providing its details;
If you have a Sberbank bank card, enter into a banking service agreement at any bank branch, under which the monthly payment will be automatically debited from the card to pay off the debt;
Also, you can enter into an additional agreement for the transfer of funds to repay the loan from your existing deposit, registered with Sberbank.

How to pay for a loan from another bank through Sberbank Online?

Even if loans were taken from another bank, they can be paid using the Sberbank Online Internet bank. To do this, go to the “Payments and Transfers” section and select “Pay a loan from another bank”.

To find the bank you need, enter the name, INN or current account of the bank in the search bar, or select a bank from those presented below. You can also use the option of transferring to another bank using BIC.

In the form that opens, fill in all the lines: debit account, account number, client’s full name, address, payer’s full name, and click “Continue”.

To confirm the transfer, you will be sent an SMS message with a code that you must enter in the field of the confirmation form that appears.

Payment will be made within three days. In order for the money to arrive on time, it is better to send the payment in advance, for example, 10 days before the date of the monthly loan payment.

The most popular of them is making payments online via the Internet. We’ll talk about how this is done through a mobile application, using an agreement number to another bank, via SMS to a short phone number in this publication.

How to pay a loan through the Sberbank Online mobile application?

To pay your monthly loan installment Sberbank using a mobile phone, just install a special mobile application on your gadget.

In the application, open the “Payments and Transfers” section.
In the menu that opens you will see the option “To an account in another bank”, click it.
Next, select the “Account” field, in which enter the recipient’s current account number.
Determine the card from which the payment will be debited.
Enter the contribution amount and click “Pay”.

The required payment will be deposited into the organization’s account in a matter of minutes.

How to pay a loan through Sberbank online using an agreement number to another bank?

Knowing the agreement number, you can pay a fee to another bank through an official resource Sberbank.

This is done as follows:

We go to the bank’s website using our username and password.
Click on the “Payments and Transfers” section.
We find the option “Repay loans from another bank.”
Next, select “Transfers to another bank using BIC”.
We enter the details using the loan agreement, including the BIC of the financial institution.
Enter your account number and click “Continue.”
Fill in information about the loan payer (last name, first name, patronymic).
Enter the contract number and indicate your phone number.
Write the amount of funds transferred and click “Next”.
We carefully check all entered information for correctness and confirm the operation.
Enter the security code that was sent to your phone via SMS.
We are waiting for a message from the service with the words “Completed”.

How to pay for a Home Credit loan with a Sberbank card via the Internet?

You can also pay for a Home loan via the Internet using a card Sberbank.

To do this, you need to follow these simple instructions:

Log in to the resource Sberbank.
Go to the “Transfers and Payments” section.
Click “Repayment to another institution.”
Next, click “Transfers to another bank.”
Enter the organization identification code (TIN) in the search bar.
Fill in the following payment details: current account number, time, amount, account for sending funds.
Check that the entered data is correct and click “Pay”.
Confirm your actions using the code sent to your mobile phone.
Wait for a report that the operation has been completed and print the receipt provided.

Pay a Sberbank loan from a mobile phone

Paying your loan from a mobile gadget is also quite simple. However, this option is available only to those clients whose bank card is connected to mobile banking.

To make a payment, send an SMS message from your phone to number 900 with the following content: CREDIT<№ счета> <сумма> <№ карты>, Where:

CREDIT is a required request command (it can be written in Latin).
Account number – the number specified in the loan agreement, which contains 20 digits.
amount – your monthly payment amount.
Card number – the last digits of your bank card.

An example of such a message to number 900 looks like this:CREDIT 34562345087345678965 7000 5678

Is it possible to take out a loan through the Sberbank mobile bank?

A fairly large number of users are interested in the question: is it possible to get a loan using mobile banking? The answer to this question is negative, since using the Mobile Bank service it is only possible to make loan payments.

Application for a loan via the Internet at Sberbank

Take and apply for a loan in Sberbank can be done as follows:

Visit the organization’s website, log in or go through a simple registration procedure.
Fill out the proposed application to receive money.
Wait for the application to be approved by representatives of the financial institution.

In the application form itself to borrow money from a bank for consumer expenses, you will need to indicate the following information :

type and name of loan
type of currency
deadline
sum

Through Sberbank Online you can repay any loan from an MFO using the company details. But you can choose a suitable offer

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