Every day, non-cash payment for services is becoming more popular. Still, it is much more convenient at any time to quickly transfer funds from a card, rather than carrying a bundle of banknotes. For example, you can literally transfer money to your phone in just a couple of seconds, and not go somewhere, look for a payment point, and often lose a certain percentage for services. Not to mention the fact that in this way you can please a loved one by yourself replenishing your mobile phone account.
There are many ways to transfer money from a card to a phone. At the same time, there is no better among them, since it all depends on the conditions and opportunities available to the person at the moment.
Russian Sberbank
Almost all banks offer their plastic card holders a service that allows you to transfer money to your phone through a card. Sometimes, to work with it, no additional actions are required from the client, although there are other situations. For example, the owner of a Sberbank card must first activate the Mobile Bank function. After that, you need to send SMS “900XX0000000 111” to the number “900”, where the first block of numbers is the subscriber’s number without “+7”, and the last three digits are the amount in rubles. Up to 8 thousand rubles can be transferred per day. In response to SMS, a counter message will be received, where operation parameters and confirmation request are indicated. Using the service is free. Its activation can be carried out through the online service.
In general, very often it is required to transfer money to a mobile phone, therefore banks on the reverse sides of their cards indicate an action algorithm that allows this operation to be carried out.
Online service
Each debit card holder is simply required to register with the online service offered by a particular bank. This greatly expands the possibilities of working with a card account. In particular, in this way it is possible not only to solve the simplest task “how to transfer money from a card to a phone”, but also to pay for purchases, control funds and much more.
Each bank has its own algorithm for registering new users of the system: some immediately “attach” the mobile number to the issued card, others require a direct indication of the number using an ATM. We will not give recommendations in such a "sensitive" topic - it is best to turn to the bank branch for clarification. When access to the Sberbank online service is obtained, you need to open the corresponding page, enter your passwords and confirm the operation using the code received via SMS.
If everything is done correctly, a page with account data will open. There is a section “Payments and transfers” in the header. Having opened it, you can see the section "Mobile Communications". Here you need to choose to pay for any mobile numbers, fill in the required fields and confirm the operation via SMS.
How to transfer money from a card to an MTS phone
Each mobile operator offers a service that allows you to replenish your account by bank transfer. To use it, you must go to the appropriate site. It is very easy to find the required item - the developers, realizing the importance of the issue, place it in the most prominent place. In relation to the MTS of Russia, you need to click "Banking services and payments" and select "Top up account". In the window that opens, everything is obvious. Having a card in hand, you can read data from it and enter the corresponding lines in the information.
Full control from MTS
In the upper right corner of the main site there is an item "My Account".Having registered in it, you can not only transfer money to your phone via a card, but also manage the package of services of a mobile operator by your number. By opening it, you can proceed to "Payment Management - Easy Payment". Further, everything is similar to the previous method. Unless it is possible in real time to control the appearance of funds in the account.
Third Party Services
In addition to the above methods, other opportunities are available to mobile subscribers. So, there are many resources that provide similar services. For example, the Russian "a-3". How to transfer money from a card to a phone using it? On the main page you need to select an operator from the list. Next, enter the mobile phone number and card data in the corresponding line: 16 digits on the front side, validity period, as well as the code on the back. The commission is not more than 4%, depending on the region.
No less interesting is the Internet payment service called “Just Cashier”. After opening the main page and choosing a direction, the visitor should dial the number of the replenished mobile phone, indicate the amount (from 100 rubles), the source of payment (bank card) and click the "Pay" button. Further, everything is according to the standard: indication of 16 + 3 digits, validity period, name and surname, as well as confirmation via SMS service.
In addition to the above systems, money from the card to the phone allows you to transfer many exchangers in the global network.
A warning
From a security point of view, preference should be given to decisions from the card issuing bank itself, as well as software mechanisms offered by mobile operators. They are not interested in the possible loss of customers, so they carefully check their services. Using third-party Internet resources is fraught with the risk of running into scammers, to whom the user himself reports the phone number and bank card information. Therefore, if you need to work with such sites, you need to check them first - read reviews, look for ratings on the “advisor” from Webmoney (for system participants), etc.
Data protection
When making payments via the Internet, it should be remembered that some banks on the cards issued by them initially block the possibility of such payments. An attempt to transfer even one ruble through the Network leads to a message about the impossibility of the operation. This is a pretty useful protection, which is intended for those cardholders who are not going to work with online payments. Users who need to unlock this feature can easily remove it in the "My Account". Again, this protection is not used by all banks.
When working in a browser, care must be taken to ensure that there are no spyware on the computer that sends data about dialed characters to an attacker. For this, complex anti-virus systems are suitable. In particular, some new versions of Kaspersky Lab software products can be noted that make sections of the screen into which the card data is entered invisible to spyware.
Of course, in no case should you top up your phone account with bank cards using someone else's computer. The confirmation system through the SMS service, although it increases security, is nevertheless not a panacea.
Hardware solutions
Some self-service terminals - the so-called “Boxes” - allow you to not only replenish your account by making the necessary number of banknotes, but also by indicating bank card information and confirmation via SMS. True, a commission may be charged in this case, so when using such a tool, you should carefully read the conditions.
Finally, all existing ATMs allow you to select the item in the structure of your menu that is responsible for writing off part of the funds from the card account in favor of a particular mobile operator. Perhaps this is one of the most reliable ways.When using it, you can be sure that the funds will be delivered as directed as soon as possible, and the commission will be minimal.