Not so long ago, Sberbank, Uralsib, Tinkoff and some other banks began issuing new payment cards called MIR. They are national. It follows that such a card can be paid in any city of the Russian Federation. How to transfer money to the MIR card?
Advantages and disadvantages
Each bank for its national payment card has its own tariffs, which have different advantages and disadvantages. SIR Bank’s MIR card is issued mainly to budget organizations for transferring salary funds. An undoubted advantage for travelers is the fact that for the withdrawal of cash from ATMs of third-party banks you will have to pay a small commission, only 1 percent.
Sberbank’s MIR card will have to pay an annual fee of 750 rubles. The amount is quite high, considering that at other tariffs it is almost half as much. However, from the second year of service, the amount of payment is reduced to 450 rubles. The minus of using the MIR card from Sberbank is the inability to pay via mobile phone using Samsung Pay, Apple Pay or Google Pay.
According to the national payment card of Tinkoff Bank, the balance of funds in the account accrues 10 percent for purchases from 3000 r. in the billing month. And with a minimum balance of 30 thousand rubles, annual maintenance is free.
At VTB Bank, a certain percentage of the balance is also credited to the MIR card. The amount depends on cash flow. Service may also be free, subject to certain conditions. Otherwise, it can reach almost 3000 rubles per year.
The MIR card has an increased cashback (refund for purchases in certain categories), as well as improved conditions for participation in the bonus program.
Money transfer
Can I transfer money to a MIR card? Yes you can. Translation can be carried out in several ways:
- on request via SMS;
- through online banking;
- through an ATM;
- at the bank branch.
The only condition for transferring money in each of the methods is the presence of a connected mobile bank, registration in the application or on the website, searching for an ATM or contacting a specialist, respectively.
SMS message
How to transfer money to Sberbank’s MIR card via SMS? To do this, you need a mobile phone and a positive balance in the subscriber’s account. Both the recipient and the sender must be connected to the mobile bank. To transfer money to the MIR card, you need to send a message to 900. This can be done in this way.
The following must be indicated in the message with a space: transfer, MIR card number, recipient's phone number and transfer amount.
Next, you need to wait for a response message. In response SMS from 900 will receive a request with a confirmation code. If all data (card, phone number and amount) is correct, you need to confirm by sending the code back.
"Sberbank Online"
How to transfer money to the MIR card through online banking? To do this, you need a computer with Internet access or any gadget, such as a tablet or phone. To transfer money, you need to go to the Sberbank-Online website or enter the application of the same name and register. After authorization, you can view information about cash and bills, pay for various services, utility bills, transfer money from one account to another, to other Sberbank users, organizations and much more.
There are two ways to transfer money to the MIR card through Sberbank-online:
- By card number.To do this, go to the application, go to the “Payments” tab, select “Sberbank Client” in the type of transfer. In the window that opens, enter or scan the card number. Next, indicate the amount of cash.
- By the phone number to which the card is attached. In this case, after selecting the type of transfer, you must enter 10 digits of the phone number. You can also select a person from the device’s address book.
ATM
Another way with which you can transfer money is through a bank terminal. You can make a transfer both with your payment card and without it. In the first case, you must make sure in advance that there are funds on the balance sheet. Next, you need to insert a plastic card into a special hole in the terminal and enter the pin code. After that, select the appropriate menu “Payments and transfers” on the screen.
Money can be transferred by the MIR card number or by the account number specified in the agreement issued by the bank when the card was issued. Also, this information can be found in the application, on the website or at the operator when visiting the nearest office. Funds are transferred from the balance of your card.
In the second case, if you are not a client of the bank, you can transfer money in the terminal without a card. It is necessary to select “Payments and transfers” on the screen, enter the required information, and then insert the bills into the bill acceptor.
In the bank
In addition to the methods described above, you can transfer money to the MIR card with a personal visit to the nearest bank branch. To do this, contact any operator. In this way, elderly grandparents most often use it. Usually people of the old school do not keep pace with the development of technology. Many do not have access to the Internet, others do not know how to use an ATM or mobile application. This method is not so convenient because of the queues. But when contacting a bank employee, the possibility of an error through your fault is almost completely eliminated.
Cash withdrawal
Can I withdraw money from the MIR card? Yes. Moreover, this process is no different from withdrawing funds from other cards. You need to find the nearest ATM. Insert the MIR card into a special hole, enter the pin code, the required amount and confirm your actions.
Usually, when transferring money from a card or to a MIR card inside a bank, as well as when withdrawing cash in the terminal of your bank, no commission is charged. Otherwise, you will have to pay a certain percentage of the amount for the operation. Depending on the conditions of the bank, the commission can reach up to 1.5%.
Now you know how to transfer money to the MIR card. It remains only to choose the most suitable method.