All about car tuning

Paying off your monthly loan or credit card payment. Loan payment methods How to repay a loan with a bank card

But here’s the problem... Ivan Petrovich forgot to ask about possible ways to pay off the debt. And when the time came to make the monthly loan payment, he was at a loss. I started looking for possible solutions.

Payment at the bank branch where the loan was taken out

You can deposit money on the day specified in the loan agreement, without worrying about possible delays and penalties. The payment is credited to your account immediately or with a slight delay.

The disadvantages of this payment method include:

  • the ability to deposit money only during working hours;
  • charging a commission;
  • the need to get to the department and stand in line.

This option is especially convenient for older people, who are often not familiar with electronic services and do not know how to enter data. The operator will take care of this.

Depositing funds through cash desks of other banks

You can make a payment at any branch closest to your home. To pay, you need full account details and credit agreement details (number, date).

The commission will be:

  • 2-3% in a third-party financial institution;
  • 1-1.5% of the payment amount at the partner bank.

It should be taken into account that an interbank transaction usually takes several days; only partner banks can make faster transfers.

Repaying debt through mobile banking

The advantage of this method is the ability to deposit funds while sitting at home. All you need:

  • Internet access;
  • card with enough amount to pay the loan.

To deposit funds, you need to log into your personal account on the bank’s official website. In the “Payments” section, a template is created into which you should enter invoice data. All that remains is to transfer the agreed amount to your credit account.

If your card is issued at the same bank as the loan, you do not need to pay a commission, and the funds will “drip” into your account in a couple of minutes.

In the case when the transfer is made from a card of someone else’s bank, you need to wait at least 2-3 business days for the receipt of money. The commission will range from 0.5 to 1-2% of the repayment amount.

Payment via ATM

Both non-cash and cash are possible. You can find ATMs in bank branches, as well as in supermarkets and shopping centers.

If you choose to deposit funds at a lender's ATM, there will be no fee. Payment is processed instantly.

Overpayment at other ATMs is on average 1-2%. Within 1-3 days the money will be credited to your account. There may be delays in crediting funds over the weekend.

Loan repayment by mail

There are two options: fast and normal. By choosing the latter, you will be able to deposit money at the cash desk on a loan from UralSib, Rosselkhozbank, VTB24, etc.

To replenish your credit account, you will need its details and your passport.

The funds will arrive in the bank within 2-5 business days. Each bank sets the commission independently.

With the fast replenishment method, money to repay the loan comes instantly. For this service, Russian Post will have to pay an additional fee of 1.9% of the payment amount (minimum 50 rubles).

Payment via QIWI terminals in cash

If you live in a small provincial town or village where there are no bank branches, this method can be called the best.

QIWI terminals are installed at public transport stops and train stations, in grocery stores, and at post offices.

To make a loan, you need to select “Payment for services” and click on “Bank services”. Next, click “Loan payment” and find the institution where the loan was taken out. Enter the requested data (details: account number, branch BIC, etc.).

Operation was successfully completed? Pick up a receipt to confirm payment. The money will appear in your account within three days.

Loan repayment through accounting

You can write an application at work for a monthly transfer of a certain amount from your salary to a credit account.

The size of the commission when making transfers between legal entities is a penny. This is also convenient because it saves time: the operation will be performed automatically every month.

Payment through mobile phone stores

These are Beeline, MTS, Svyaznoy and others. They are found in any city.

To make a payment, you need to provide your credit account information and passport.

This method of repaying a debt cannot be called profitable if the payment is less than five hundred rubles. Commission fee - 1% of the deposited amount (minimum 50 rubles).

Making a payment via Yandex.Money

If you have a Yandex.Money wallet, you can set up automatic loan write-off. You must indicate the amount of the payment, as well as your data, agreement and credit account number.

More than thirty banks accept payments through this electronic system, including UniCredit, Sberbank, VTB24.

A commission (3%) is charged for transferring money to a credit account. Additionally, you need to pay 15 rubles for each transaction.

Summarizing

Having studied all possible ways to repay the loan, Ivan Petrovich found out the following:

  • when paying through Qiwi terminals, you need to wait for crediting for several days;
  • You can pay for a loan in salons like Svyaznoy if the payment is more than five hundred rubles;
  • It is profitable to make a payment through the cash desk of the creditor bank, but you will have to spend time in line;
  • You can pay for the loan at the cash desk of any third-party bank, although the commissions are “biting”;
  • payment through a Russian Post office will take even longer, because the queues there are longer than at banks.

For himself, Ivan Petrovich decided that he would make monthly payments using Internet banking or through an ATM. Commissions are minimal and funds are credited quickly. Although I decided not to give advice to friends who also have loans. Let everyone choose the most convenient and profitable method for themselves.

  • Through a united network of communication shops Svyaznoy and Euroset: no commission. Funds are credited instantly. The limit on a one-time transfer is 250,000 rubles.
  • To pay on your first visit, tell the salon employee your BystroBank card number; you must have your passport with you (it is important to clarify that you need to repay the loan using the card number). For subsequent payments, you can only provide the cashier with the card number; your passport must be presented only for payments over 15,000 rubles.
  • If you refuse to accept a payment or demand to pay a commission, call the BystroBank hotline 8-800-333-22-65.

  • In salons MTS, Beeline, Megaphone: commission 1%, but not less than 50 rubles.
  • At the box officebanks participating in the “Golden Crown - Loan Repayment” service: no commission.

Find out the address of the nearest point on the website or by calling 8-495-211-07-00 (24 hours a day).

  • To complete the transaction, you must present your passport, provide the number of the plastic card issued to repay the loan, the Borrower’s full name and the Payer’s mobile phone number. Enrollment deadline is instant.
  • Important! When making a payment, be sure to specify to the employee the point of payment acceptance: the name of the recipient's bank - PJSC "BystroBank", repayment of the loan through the RNKO "Payment Center" (money transfer system "Zolotaya Korona").
  • If you refuse to accept a payment or are required to pay a commission (if payment is made at a partner bank), call the Zolotaya Korona Information Center at 8-495-211-07-00. If you were charged a commission when making a payment at a partner bank, save the receipt (check) and call the BystroBank hotline 8-800-333-22-65, or send a scanned copy of the check to.
  • Payment of BystroBank loans through Izhkombank terminals is carried out no commission.
  • Enrollment deadline is instant.
  • A BystroBank card is required to complete the transaction.
  • Payment procedure: in the main menu of the terminal, select the “Operations with cards and accounts” section, then click the “Replenishment of cards of PJSC “BystroBank”” button and follow the instructions on the screen.

  • At payment acceptance points: cash desks of partner banks, Eldorado and M.Video retail chains, Rostelecom service centers, etc.
  • To complete the transaction, when making the first payment, you must provide: bank details, account number, full name, phone number. For subsequent payments, it is enough to provide your mobile phone number.
  • The cost of the service is 1% of the payment amount, but not less than 50 rubles.

    Top up your account by transferring from card to card using the number of the plastic card issued to pay the loan.

    Check the cost of the transfer at the ATM of the sending bank.

    Enrollment period is in real time.

    Enrollment period is from 1 to 3 working days.

    The transfer is carried out according to the account details specified in the loan agreement:

TIN 1831002591

Gearbox 183101001

BIC 049401814

Beneficiary account: Account number opened for loan repayment

Recipient's name: Borrower's full name

    Additional payment method - to the Bank account:

Recipient bank: PJSC "BystroBank" Izhevsk

TIN 1831002591

Gearbox 183101001

case number 30101810200000000814 in the Branch - National Library of the Udmurt Republic

BIC 049401814

Recipient's account: 47422810500000000138

Recipient's name: PJSC "BystroBank"

Purpose of payment: Number and date of the loan agreement

  • Please check with your chosen organization for possible commission fees.
  • Make payments in advance; when repaying a loan through third-party organizations, take into account the duration of the transfer and crediting of funds, and possible technical problems. The payment must be credited to the Bank no later than 23:00 Moscow time on the date specified in the payment schedule or the terms of your loan agreement.
  • Before the payment date, make sure that the funds have arrived in your account.
  • Before replenishing your account using a plastic card number, make sure that the card is not blocked and its validity period has not expired.
  • You can get information about existing loans and upcoming payments at any time via Viber or.

Is it possible to pay for a loan from another bank through Sberbank Online? Of course, yes, and it offers its customers a wide range of payment methods for bank loans and other payments through its channels. This is most convenient for potential users, for the reason that the majority, one way or another, use Sberbank cards. So, let's look at all the ways you can pay for a loan to other banks through Sberbank.

Sberbank Online

It will be quite simple to repay a loan from another bank through Sberbank Online, and through the online system you can make a payment for the loan of any Russian commercial bank. To do this, you just need to know some details, however, let’s consider the issue of payment in more detail.

Please note that through the online system you can pay both your credit obligations and loans issued to third parties.

In order to make a payment, you need a card whose account will have enough cash to pay the loan. Next, you need to follow the following instructions:

  • will open your account in the remote customer service system;
  • in the top panel, find the button for the transfers and payments section;
  • select the line “Repay a loan from another bank”;
  • then you need to indicate your region where you applied for a bank loan;
  • prepare your loan agreement insofar as you will need to know some details;
    from the list provided, select the link “Loans/transfers to another bank using BIC”;
  • In the form that opens in front of you, you need to indicate the bank identification code, which is indicated directly in your loan agreement;
  • select the account from which funds will be debited and confirm with the Continue button;
    the system will automatically give you the name of the bank and ask you to indicate the transfer account number, which you will also find in the loan document;
  • indicate the last name, first name and patronymic of the recipient of the credit account owner, click the “Continue” button;
    Next, enter the loan agreement number and contact phone number;
  • Finally, you need to indicate the payment amount, no less than that specified in the loan agreement, and confirm the transaction with a short password from the SMS message.

Please note that for this operation there is a Sberbank commission of 1%, but not more than 1000 rubles.

After you have sent the payment, you will be able to perform two important functions in your personal account: print a receipt, which will serve as proof of your payment, and set up automatic payment. That is, in the future you will not need to pay the loan through Sberbank online every time, since the system will write off funds from your card; you just have to make sure that there is an available amount of funds on it. By the way, do not forget that it takes about 3 business days for the payment to be credited to the credit account, so it is advisable to make the payment in advance.

By the way, it’s worth talking a little about how to pay a loan to another bank through Sberbank Online using autopayment. In fact, such a service is provided by the bank so that the client can pay his bills on time without spending additional time on this. Before debiting money from your card, you will need an SMS notification so that you confirm the transaction; if for some reason you are not going to pay the loan, then you can cancel the auto payment and the funds will not be debited to your card.

other methods

Surely not all clients know, but you can pay for loans from other banks even through a mobile bank. How to do it? First of all, in order to pay a loan via SMS, you need to set up a template for this; the instructions for setting it up in Sberbank online remain the same. That is, first you need to log into your profile in the online system and select not payments and transfers, but “My templates” in the menu, then create a new template using the same principle, that is, according to the bank’s BIC. Here you also need to indicate the loan agreement number, last name, first name and patronymic of the borrower.

Next, after your template is created, you can pay the loan via SMS. How to do it? You just need to enter the text of the template created by Sberbank online and indicate the amount of transfer to repay the loan. Before the funds are sent to another bank, you will need to confirm the operation using the code from the SMS. By the way, if you forget the template, you can view it at any time in your Sberbank personal account online. To do this, you need to find the “Mobile Bank” section in the menu and click on the SMS requests and templates button.

Important! If you pay for a Sberbank loan via SMS service, then you just need to dial the loan command, the number of the loan agreement and the amount to be paid.

It must be said that repayment of loans from other banks is possible in other ways, including through ATMs and terminals, bank cash desks and others. All methods differ in the timing of crediting funds to the recipient’s bank account and the amount of commission fees, but here it should be noted that Sberbank has the lowest commission for paying loans from other banks.

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 the bank’s Personal 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:

  1. Go to the “Payments and Transfers” tab and select “Transfers between your accounts.”
  2. We indicate the account from which the payment amount will be debited.
  3. Select a credit account.
  4. Enter the transfer amount.
  5. Click on the “Translate” button.
  6. We confirm the transfer.
  7. 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:

  1. Go to the “Transfers and Payments” menu item.
  2. Select the “Repayment of loans from another bank” tab.
  3. In the list, select either the desired bank or click “Transfers by BIC”.
  4. Select the account from which the loan will be paid.
  5. 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)
  6. Click “Continue”.
  7. Fill in the payer’s personal information.
  8. We indicate the amount and credit account.
  9. 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:

  1. Go to the “Credits” tab. Information on existing loans and the amount of monthly payments will appear.
  2. Select “Pay loan” and payment method “From current account”.
  3. We indicate the account from which the repayment will be made and the amount.
  4. We check the data and confirm payment.
  5. 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.

?time_continue=30&v=4uBRwn1gEDc/


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.

In fact, this is not difficult to do at all.

Our article provides instructions on how to pay using various services and banking products.

How to pay

After applying for a loan, everyone must approach the issue of paying the monthly payment responsibly. This can be done in various ways:

  1. Payment at ATMs or terminals.
  2. Payment in your personal bank account.
  3. Payment by card.
  4. Payment through payment systems on the Internet.
  5. Payment by bank card.

Of course, the easiest way is to pay at an ATM, since the payment is immediately credited to the account, there are no commissions, but very often such an ATM is not at hand, and there is neither time nor desire to go to the other end of the city. Today we will look at remote loan payment via the Internet using an electronic wallet and a bank card.

Payment by bank card

It is very easy to pay a loan with a bank card; you do not need to visit the office of a credit institution, waste time on the road, and especially gasoline.

For the convenience of their clients, banks provide the opportunity to pay the next payment using a bank card, although it can be issued by a completely different bank.

Payment options by bank card:

  1. One of the most convenient ways to pay using this method is to call the hotline. You inform the operator of your intention to pay your payment using a card, and the employee, having specified the payment amount, will switch you to an automated system that will prompt you to enter the card number, card expiration date and CVC code. After this, the money will be debited from the account. This method is most preferable for pensioners who are not particularly internet savvy.
  2. The second option is to pay by credit card in your personal account. To do this, you will need to log in to the online banking system, select the payment amount and issue a card payment. The system will ask for the card number, expiration date, first and last name of the owner, as well as the code indicated on the back of the card. After this, you will receive a verification code, which you will need to enter in the required field, after which your loan will be paid.

Unlike payment in the terminal, this method may take a little longer to be credited than usual. This happens differently in different banks. In some places the payment is credited instantly, in others a day later.

Good to know: if the credit account has a bank account number, you can make an interbank transfer from your card, and no commission is charged for such transfers, but the payment may take up to 3 days.

With this payment method, an additional commission may be charged, but it all depends on the bank where the loan was issued.

Payment via the Internet

It often happens that the card is not at hand, but the monthly payment is about to be paid.

The ATM is located only in the neighboring village, and the machine has broken down. Such circumstances can overtake anyone. You should not miss a payment, as fines and penalties will be assessed and the information will be entered into your credit history.

In these situations, it is very convenient to use payments through various payment systems, which are abundant on the Internet. Many people often use them to pay for purchases on the Internet, mobile communications or provider services.

You can also pay for loans using these e-wallets. It's quite simple to do this:

  1. We register an account and replenish it.
  2. We find the right bank.
  3. We fill in all the fields: account number, contract number, payer’s name, amount.
  4. Click pay.

As you can see, the procedure is quite simple. Often payments are credited to the account instantly, since banks actively cooperate with intermediary companies, but you will have to pay a commission, which will be 1-2% (usually at least 50 rubles).

Of course, you will overpay the commission to the payment system, but this is better than later paying a fine or penalty, which will be many times higher. Yes, and do the math: go to the nearest ATM, spend money on travel or gasoline, waste your time, or pay 50 rubles? We assure you that you will spend more money on the road!

To summarize, I would like to note that paying via the Internet with a bank card or electronic wallet simplifies our lives, since free time is not required to visit the office, payment also occurs very quickly, and the commissions that are removed justify the time saved.

How to pay a loan online, see the instructions in the following video: