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How to find out if the money came to the account in Sberbank

FAQ Sberbank of Russia Money transfers

Question: I paid for vouchers to the sanatorium through Sberbank-Online. The money never reached the recipient. I went to the bank and took a payment order, which says that the money went to the specified details. In the order, the details of the recipient are indicated correctly, except for the name of the recipient, but the bank said that this is not significant instead of Sanatorium Parus LLC, it is simply indicated - Sanatorium Parus. Sberbank claims that the money has long been in the recipient's account, but in the sanatoriums found out in their bank that there was no money, and they offered to withdraw the payment, but Sberbank claims that they cannot withdraw the payment, because the payment was successful, as evidenced by the payment order, and they offer to go to court. find money, i.e. how to find a money transfer and where to apply for it Is it really so easy to lose electronic money in the 21st century?

Answer: First you need to contact the bank.

Since the entry into force of the Regulation of the Central Bank of the Russian Federation of June 19, 2012 N 383-P "On the rules for the transfer of funds", the search for a transfer sent and not reached the recipient has become somewhat more complicated, since the procedure for searching for a transfer is not spelled out in the Regulation of the Central Bank, but it is spelled out revocation procedure.

How to find a money transfer?


Sberbank can only say that “the payment was successful and it is impossible to withdraw it” if it has undeniable proof that the funds were actually credited to the account of the specified recipient using the specified details. Such proof may appear when your bank (after your request, of course) requested the beneficiary's bank and received from him an official confirmation of the crediting of funds, indicating: by what document, in what amount, to which account, which beneficiary and, most importantly, in which day the funds are credited. But there is no such procedure in the Regulation of the Bank of Russia No. 383-P, but there may be a paid service under a service agreement concluded between you and the bank.

And in Sberbank there is a “paid service” for finding the missing transfer, but for some reason they didn’t offer it to you. The bank, without evidence, tried to convince you that the money went to the specified details to another bank (another branch) and had already been credited to the recipient's account a long time ago. This indicates not only the bank's unwillingness to search for a transfer, but also does not give you grounds for going to court. Claim against whom, and what should you file if you do not know who is to blame for this and in whose account is the money?

In addition, the bank’s statement that “the payment was successful, as evidenced by the payment order” does not guarantee you that the money has actually arrived and the transfer was credited by the recipient’s bank according to the details specified in the payment order to your recipient. In the end, there may be errors, and technical failures in the programs of banks when making a payment, and erroneous crediting of funds to someone else's account. In addition, it cannot be ruled out that the recipient of funds is not “bluffing”, the money may have been in his account for a long time, but he “does not see” it yet.

Since your bank did not provide you with documentary evidence that the funds were credited for the intended purpose, the solution to the problem of returning funds and your further actions will depend on who is to blame for the situation, who to sue and to whom to file a claim for a refund.

So, in order to make sure who is telling the truth (the bank or the recipient), and where your funds sent by money transfer are now, you need to “force” your bank to issue you a document confirming the receipt of the money transfer for its intended purpose, but without going beyond the legal fields of the Regulations of the Central Bank of the Russian Federation of June 19, 2012 N 383-P. How can I do that? Let's look at everything in order.

I'll start with a statement from Sberbank that you will have to return the funds through the courts. Such a statement is justified, but only if the funds are actually credited to your recipient's account using the details specified in the payment order, and the recipient refuses to acknowledge the fact of their crediting to his account and refuses to fulfill the terms of the agreement. Then yes, by attaching a bank certificate on the date the transfer was credited, you, on the basis of paragraph 1.25 of the Regulations of the Central Bank of the Russian Federation of June 19, 2012 N 383-P, make a claim to the recipient of funds. And if the recipient does not acknowledge receipt of the funds and does not return them, then the next step is to file a lawsuit in court to recover the debt (due to the missed opportunity to fulfill the contract).

Here is what is said about such a situation in paragraph 1.25 of the Regulation of the Central Bank of the Russian Federation of June 19, 2012 N 383-P "On the rules for the transfer of funds":
“Banks do not interfere in the contractual relations of clients. Mutual claims between the payer and the recipient of funds, except for those arising through the fault of banks, are resolved in accordance with the procedure established by federal law without the participation of banks.

But, before starting work on paragraph 1.25, you need to make sure of one of the following points:


  • there is no “bank's fault” in your problem with the transfer of funds, i.e. the sender's bank and the recipient's bank strictly executed your order and did not make mistakes and failures when crediting the money transfer to your recipient's account.

  • the money is actually credited to the recipient's account.

In simple words, the bank must convince you that the money has really been credited to the recipient's account, and it can no longer be returned, or find a transfer that was not credited for its intended purpose and return it to your account. But how to force the bank to do this without leaving the legal field of the regulation on transfers?

So, let's look at how to return funds using the bank? To do this, do the following:


  1. If you received a message from the recipient that the funds did not arrive and even received his offer to withdraw the payment, then go to your bank and, on the basis of clause 2.14 of Regulation N 383-P, file an application to revoke the order to transfer funds.

  2. Based on the same paragraph of the Regulation of the Central Bank of the Russian Federation of June 19, 2012 N 383-P, your bank, no later than the business day following the day the application for withdrawal is received, must send you a notice of withdrawal indicating the date, possibility (impossibility due to the onset of the irrevocable transfer of funds) revocation of the order and affixing the bank’s stamp and signature of the authorized person of the bank to the order on paper.

  3. In order to give you an exhaustive answer on the impossibility of making a withdrawal or refunding the transfer, the bank will have to check everything through the recipient's bank. And since the withdrawal of the order is carried out only before the irrevocable transfer of funds (before the date of transfer), in the case of transfer of funds for the intended purpose, you will be indicated the date of transfer of funds (if any).

Here is how this is stated in paragraph 2.14 of the Regulations of the Central Bank of the Russian Federation of June 19, 2012 N 383-P "On the rules for the transfer of funds":

Revocation of the order is carried out before the irrevocable transfer of funds.

Revocation of an instruction submitted for the purpose of transferring funds through a bank account is carried out on the basis of an application for revocation in electronic form or on paper, submitted by the sender of the instruction to the bank.

Drawing up an application for withdrawal and the procedure for its acceptance for execution are carried out by the bank in the manner similar to the procedure provided for the application for acceptance (refusal of acceptance) by the payer in subparagraph 2.9.2 of paragraph 2.9 of these Regulations.

The Bank, no later than the business day following the day of receipt of the application for withdrawal, sends the sender of the instruction a notice in electronic form or on paper about the withdrawal indicating the date, the possibility (impossibility due to the irrevocable transfer of funds) of the withdrawal of the instruction and putting on the order on hard copy of the bank's stamp and the signature of the authorized person of the bank.

The application for revocation serves as the basis for the return (cancellation) of the order by the bank. Etc.


Therefore, in order to find a transfer and competently appeal to the bank, you should study the full text of individual paragraphs of the Regulation of the Central Bank of the Russian Federation of June 19, 2012 N 383-P (2.9.2; 2.14 ...), and you should also familiarize yourself with the entire provision. Not prevent. Good luck to you!

Everyone should know that a plastic card, regardless of debit or credit, is tied to an account. And for some operations, for example, a money transfer, details are required, including the account number. You can check your Sberbank account online by account number in various ways.

How to check a Sberbank account online through the official website

The balance on the bank statement can be clarified at the branch of the credit institution. But working hours always fall on weekdays and in the time period of 9-18 hours. Not all this schedule is suitable for clarification of information.

In the Sberbank Online service, you can find information about the status of all open accounts

Many citizens are wondering how to check an account with Sberbank via the Internet. Now you can get information without leaving your home. The client can use the service only with a connected personal account and a mobile bank. This service allows you to clarify not only the balance, but also perform various transfer and payment operations. For example, here you can top up your mobile balance and pay for utility bills.

Registration and connection of a mobile phone and Sberbank online takes place at the lender's ATM. After receiving the identification data, information becomes available to the client.

To view the details, the client must:

  • go to the official resource of the lender;
  • go to the "Login to your personal account" tab;
  • enter login and password;
  • enter the code from the SMS message;
  • balances of all cards and accounts will be available on the main page.

Mobile app

The balance of the personal account of Sberbank allows you to clarify in the mobile application. The check is carried out in the installed program with the same name. Authorization occurs by entering personalized data to enter Sberbank online, and then a one-time code from an SMS message.

The client must have internet access. After entering the information, information about all products, operations, available limits will appear on the screen.

call center

You can also check the information through an employee of the contact center. You can do this at any time, as the contact center works seven days a week and holidays.

Information is also available in automatic mode on the line 8 800 555 55 50. If the clarification occurs through the operator, then he needs to provide the code word or contact information. Then the specialist will provide all the necessary information.

SMS informing

Another method of checking information is the SMS informing team. In order to find out the status of the account, it is worth sending an SMS with the text “balance XXXX”, where XXXX is the last 4 digits of the account or card. A response SMS will come immediately with this information.

The message is sent to the Sberbank short number 900. It is possible to perform this action in the short format "*900*01#". All transactions are made only from the number indicated in the application.

Verification takes a minimum of time for the client, rather than contacting a branch of a credit institution. The personal account can also be specified in the contract.

Request cost

The cost of requesting information on verification of information:

  • in terminals and ATMs of Sberbank for free. In a terminal or ATM of another credit institution - the cost is set by the tariffing of the receiving creditor;
  • the cost of an SMS command to number 900 depends on the tariff of the mobile operator that serves the client. For a free clarification, you should use the speed dial service "*900*01#";
  • clarification of information in Sberbank online, mobile application is free of charge. The only thing you have to pay for is to connect a mobile bank. The cost for standard plastic and electron is 30 rubles per month, all other cards are 60 rubles per month;
  • the cost of a call to the Sberbank hotline number is 0 rubles from the operator Beeline, MTS and Megafon. The call is free only within the Russian Federation. When traveling abroad, it is worth checking the billing with a mobile operator;
  • there is also a free bank statement in the Sberbank system online.

There are several ways to check your Sberbank card account.

Personal account and additional functionality

In your personal account, you can check not only information, but also perform additional operations. The convenience here is minimal commissions or their absence at all, as well as the ability to make transactions without leaving home.

The following functionality is available in your personal account:

  • registration of an application for obtaining credit obligations, opening deposits and buying precious metals;
  • clarification of information on balances, transfer between accounts;
  • clarification of the monthly payment on a loan or credit card;
  • closing, blocking;
  • changing the password and login from the personal account;
  • clarification of information about all transactions carried out;
  • connecting additional services, checking the balance under the bonus program from Sberbank;
  • payment of utility bills, mobile phone, Internet, tax payments, kindergarten and other educational institutions;
  • making money transfers to others.

Sometimes Sberbank online does not display a personal account number or does not display a banking product. The reason for this may be the opening of accounts in different departments, other data was used during registration, different from the actual ones. This could lead to failure. Checking the information online in this case will not work. The owner, along with the passport, needs to visit the Sberbank branch where the account was opened.

Today, almost every citizen has a personal account. There are many ways to help find out the state of balance. Consider how to find out if money has been credited to an account with Sberbank, quickly and for free.

The question of the state of one's own account is the most important for bank card holders. Any client can find out about the receipt of funds to the account using:

  • ATM
  • terminal
  • mobile phone;
  • the Internet;
  • bank branches.

Checking the balance is one of the most popular and frequent procedures, so you need to know all the methods for its implementation.

Checking the card balance through an ATM

One of the easiest and most common ways to get information about the status of an account is to check the balance at an ATM. This method is widely used by older people who rarely use the Internet and mobile communications.

How to look at receipts on a Sberbank card, every client knows. To do this, simply insert the card into an ATM, enter a PIN code and select the "Balance" section or order a "Card Statement".

Information about cash receipts will be displayed instantly and free of charge.

In this case, checking the account status should be carried out very carefully, since a high commission may be charged for using terminals and ATMs of third-party banks.

Using a mobile phone to check card balance

Before you can find out if the money came to the Sberbank* account using a phone, the client needs to connect a mobile bank at a branch, through an ATM or a support service. Often, this service is paid, so you should connect it only if you use the card frequently.


You can get information about the status of your account by sending a simple SMS request *900*01#, which is paid according to the tariffs of the mobile operator.

Any client of Sberbank can check the balance of his account for free via the Internet, at a bank branch or by calling the support service. You should be very careful when using ATMs and terminals, as third-party banks can charge a substantial commission for this. When sending SMS requests to check the balance, you should have money on your mobile account, as messages are paid according to the tariffs of operators.

Checking the card balance via the Internet

The Internet is the most convenient way to check receipts on a Sberbank card. In this case, the client needs to go to Sberbank Online and go through authorization in his personal account. Using this service, it is possible not only to check the receipt of money on a Sberbank card, but also to obtain information about loans and open deposits.


To use online banking services, the client must be a valid Sberbank card holder or use another banking product.

The advantages of the method are:

  • no need to leave the house;
  • no need to be distracted from urgent matters;
  • the possibility of obtaining information in real time;
  • simplicity, thanks to an intuitive interface;
  • no data collection fee.

Due to the high speed and efficiency, checking the balance using the phone or the Internet are the most popular ways to get information.

Checking cash receipts at a bank branch

The most inconvenient and time-consuming way to find out about the receipt of money on a Sberbank card is to visit a bank branch.


Of course, this method of obtaining information has long become a classic and accessible to almost every client, but in order to get the necessary data, you need to sit in line. However, you can only visit the branch during business hours.

If the client is not able to find out all the necessary information about his account by phone, then you can find out the receipts on the Sberbank card at the nearest bank branch. It is enough to have a card and a passport with you. After submitting the specified documents to the operator, he will print out the details, as well as all the data on the account of interest to the client. This service is free.

If you need to find out the account balance urgently, visiting a bank branch will not be the best option.

Checking the status of the account through the bank support service

Each bank has a free multi-channel support phone. Before learning about the receipt of money on a Sberbank card, the client needs to contact the operator, confirm his identity, give the code word and the last digits of the card number.


You can find out the support service number on the official website of the financial institution.

Only those customers who have a personal account and a valid Sberbank card can check the balance of their card. If there are any problems with such a check, they will be helped to solve them at the bank branch or by calling the hotline.

In order not to wait for communication with the operator, any client can use a special voice menu, which significantly speeds up the process of obtaining information.

Previously, the balance of the bank account could be clarified only during the working hours of the bank branch. To do this, it was necessary to stand in line and wait for a Sberbank employee to find the necessary information. Now any information can be obtained online. In the article we will tell you how to check a personal account with Sberbank via the Internet and what is needed for this.

Checking through the bank's website

The client will be able to use the online verification service only if Sberbank Online is connected. This service helps not only to see the balances of all accounts, but also to perform operations related to money transfers to other participants in the payment system.

You can also use it to pay for the most popular services, for example, top up your mobile balance or pay for cable or internet. In any of these cases, you need an ID and password to enter your page.

Registration in the service is available to customers with a mobile phone.

It will receive the initial password. When registering, you will also need a Sberbank card. Her data is entered in special fields.

Mobile app verification

For modern portable devices with their operating systems, there are special online applications. Each of them is in the free and free access to download.

By downloading such a program to their smartphones or tablets, Sberbank customers always have the opportunity after authorization. But the device must connect to the Internet, otherwise the program will not start.

Alternative verification methods

If there is no access to the network, but you need to find out about receipts or write-offs from the balance, then the balance is available when calling the bank's hotline. By multi-channel phone 8 800 555 55 50, the operator will clarify some personal data (passport and code word), and then can provide information about the balance.

Also, for card accounts, the account clarification service is available using a telephone request.