Finance, Banks
"Alfa-Bank": transfers from card to card via O! PP service
Alfa-Bank launched a money transfer service. Owners of all categories of cards can send money to any ruble accounts in Russia and CIS countries. One of the main advantages of the service is that the grace period for credit cards extends to the amount of the transaction. An application for an operation can be submitted via the website, the Internet and a mobile bank, via SMS.
Standard version
To transfer funds to relatives in other regions of Russia could be done earlier - via the Internet. "Alfa-Bank" transfers to the card of another bank for the following details:
- Account number of the sender / recipient;
- The term of the sender's plastic;
- Secret three-digit code;
- transfer amount;
- The number on which the SMS will come with a password.
Usually, Alfa-Bank transfers money from card to card within a few minutes. Everything depends on the credit institution that issued the card of the recipient. The service can be used both for personal purposes and for business. The transfer amount is limited to 75 thousand rubles. In the framework of one operation and 0.5 million rubles. per month. "Alfa-Bank" transfers from card to card of one user does not exceed 50 times a month. Transactions between customers of one bank are free of charge. With a credit card, 0.5% (at least 30 rubles) is withdrawn for one operation. In other cases you will have to pay 1.95%.
O! PP
A new application allows you to transfer funds between accounts directly from your mobile phone. You do not need to register in the system. But in order to preserve the transaction templates, you will have to leave the phone number. "Alfa-Bank" transfers to a card of another bank via a mobile application using standard details: the sender's / recipient's account numbers, the validity period and the security code. While transactions are only carried out with cards that support 3D Secure technology. The compatibility of the "plastic" with the application can be checked empirically. In case of an unsuccessful attempt, money from the account will not be removed.
Features
Executed applications are stored in the "History", and often used can be entered in the "Templates" for quick repetition. The fee for the transfer from Alfa-Bank's credit card is immediately displayed on the screen. Saved "plastics" can be assigned names and change colors, so that in the future you can quickly find them. You do not need to bind one card for all transfers.
Service tariffication
The commission for the service depends on the direction and type of plastic. "Alfa-Bank" transfers from the card to the card of its customers is free of charge. Most of all it is necessary to pay in case of transfer of means from a credit card abroad - 5,9% from the sum.
Type of translation | % |
Between internal accounts | 0 |
From the map of another institution | 0.5 |
Between the "plastics" of different banks | 1.95 |
Between the accounts of foreign credit institutions | 2% + 40 rubles. |
With credit cards for other Russian accounts and abroad | 5.9 |
Compare Services
The transfer of money to the card of Alfa-Bank can be made not only through O! PP. There are similar services on the market that do not require prior registration of the user. Compare their tariffs.
"Translations"
The application from the Bank of Moscow operates without prior registration. But authorized users have the option of transferring money by mobile number, profile in social network or email address. One operation is limited to 15 thousand rubles. For a day you can submit no more than three applications.
Type of translation | Commission |
Between bank customers | 0% |
From other accounts on the plastic of the Bank of Moscow | 1,5% (min 50 rubles) |
Between cards of other institutions or with credit cards | 1,5% (min 50 rubles) |
"C card to card"
In the "Tinkoff Bank" for the transaction will have to pay 2.9% + standard 290 rubles. And the restrictions on the amount of one transfer are standard - 75 thousand rubles.
Type of translation | Commission |
Between bank customers | 0% |
On the map of another institution | 1.5% |
On the "plastic" bank "Tinkoff" | 0% |
Between accounts of other institutions | 1.5% |
C credit cards for "plastics" of other banks | 2.9% + 290 rubles. |
"Racket"
In the application of "Rocketbank" a fixed commission for any transactions is established - 1.45% (at least 30 rubles). At the same time, the service saves the history of transfers and account numbers, from which applications were made.
Internet applications
For the transfer through "Yandex.Dengi" in any direction, regardless of the amount will have to pay 1.9% (at least 40 rubles.). Mail.Group charges 1.3% for transactions in rubles (min 30 rubles). In the service "Wink!" The tariffing of the service depends on the type of card: debit or credit. In the first case 1.8% (min 40 rubles) are charged, and in the second commission for transfer is established by the bank.
Summary
Within Russia it is best to transfer funds through the issuing bank program. If the money is withdrawn from a credit card or transferred abroad, the commission will be higher by default. Among the Internet services, Mail.Group turned out to be the cheapest. "Alfa-Bank" transfers from card to card through O! PP application. It attracts non-standard interface and processing speed of applications. But the program so far only works with cards that support 3D Secure technology. This is its only drawback.
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