Today, a situation is increasingly common where one person is a client of various banking organizations and owns their products. In such cases, it may be necessary to transfer money from a Sberbank card to a Raiffeisen card or another bank. You can make a money transfer through online banking, an ATM, or by contacting an employee.
select the item “Transfer to a client of another bank”;
indicate the card number issued by Raiffeisen; 
click on the plastic card from which you want to debit funds;
enter the transfer amount;
check that the form is filled out correctly;
click the “Translate” button;
Confirm the operation using the password that will be contained in the SMS received on your cell phone.
Important! If you need to make the transfers in question constantly, you can use the “Template” option; in this case, you will not need to enter the details and fill out the form each time. If the payment amount changes, this field is subject to adjustment.
go to the line “To another bank”;
press the “By map” button;
indicate the amount;
check the correctness of filling;
click “Translate”;
At bank branches
Money transfers between many banking organizations can be made with the help of a specialist. To do this, you need to visit the bank and contact the cashier. When it comes to transfers from a Sberbank card to a Raiffeisen card, this method cannot be used.
What difficulties may arise
Difficulties that arise for bank clients when performing the payment action considered are associated with the period during which the money must arrive in the recipient’s account. When a person sends funds, he hopes that the transaction will be completed instantly, forgetting that the bank has set a maximum period of five business days.
Today there are several ways to transfer from Raiffeisen to Sberbank. The fee for making transfers there and back is charged according to the tariffs of the financial institution.
Transfer from Raiffeisen card via the Internet
The easiest way for Raiffeisen clients to transfer money to a Sberbank card involves using the Internet or Mobile Banking. In the first one you need to register, and the second one you need to download to your device. In both services, translation is performed according to similar instructions:
- Go to the Translate section;
- Select recipient – Individual;
- Specify – From the card account;
- Select a card. Its number, balance and other parameters are indicated;
- Write down the recipient's card number and the amount to be transferred;
- Confirm with the code from SMS.
Transferring from Raiffeisen to Sberbank commissions and limits imply the following:
- From a debit card commission: 1.5% (minimum 50 rubles);
- From credit: 3%+300 rubles;
- Limit: 75 thousand per day and 600 thousand per month, up to 10 operations per day;
- Minimum transfer amount: 50 rubles;
- Transfer time: online. Delays may occur if operations are performed on weekends.
Transfer money via ATM
To transfer money to Sberbank, you can also use a Raiffeisen ATM.
The translation instructions are as follows:
- Insert plastic, enter PIN code;
- Select Money transfers;
- Specify the type of transaction: to a Visa card of another bank or MasterCard;
- Agree to the terms of the translation;
- Select your tax status: resident, non-resident;
- Enter the card number for receiving money and the amount;
- Check parameters;
- Receive a check.
The transfer fee is the same. You can also send cash if you use a cash-in ATM.
Transfer fee from Sberbank to Raiffeisen
To transfer money to a Raiffeisen card, a Sberbank client has similar options. In addition, the commission for transferring from a Sberbank card to Raiffeisen is lower.
You can make a transfer from a Sberbank account in the Sberbank Online service:
- Go to the Payments and transfers section - to a card of another bank;
- Select the Sberbank card from which you want to transfer;
- Enter the card number to which the money should be sent and the name of Raiffeisen (the details will be filled in automatically);
- Specify the transaction size;
- Confirm the money transfer with the code sent via SMS.
A transfer fee from Sberbank to Raiffeisen is charged at 1%.
Transfers through an ATM are carried out according to a similar procedure as from Raiffeisen. The commission is also 1%.
In addition, transactions between cards of different institutions can be carried out on independent resources. The advantage of using them is the absence of the need for registration and the speed of transfer. Commissions on such resources are usually charged higher, but in comparison with some institutions, they may be comparable. On average, the transfer commission is 1-1.5%.
Conclusion
The fee for transferring from Raiffeisen to Sberbank depends on the selected option: ATM, Internet, Mobile Bank. You can also transfer money directly at a bank branch or online, paying the appropriate commission. Transfers from a Sberbank card to a Raiffeisen card are carried out using the same methods, but at a lower commission if Sberbank resources are used.
Today, thanks to the development of the Internet, bank card holders can save time and avoid standing in long lines at bank branches.
Almost all transactions on the card can be carried out in online mode, you can even transfer money from a Raiffeisen bank card to the desired account in Sberbank in just a few steps.
Online method of transferring funds between cards in modern world very popular, because it allows you to make a transfer between any bank accounts.
Who will need it?
There are many situations in which you may need to transfer a card from one account to another.
- Translation for loved ones and relatives. With such non-cash transactions, transferring money from one end of the country to the other is not so difficult. If for some reason you need to make such a transaction, then the best way There will be an online transfer that will help reduce the waiting time for money to be credited to the card and save money on commissions compared to regular money transfers using other services.
- Payment for rent. Nowadays, a lot of people rent their own housing for one reason or another. Some apartment owners are more advanced in this matter and help avoid unnecessary meetings with tenants by offering them non-cash payments by transferring funds to bank card. To do this, you just need to take the card details.
- Payment for a product or service. Many companies use only cashless payments when ordering goods. This helps save time, and it's worth noting that paying a transfer fee will be much cheaper than using a courier service.
Transfers using the Internet
The operation is very simple thanks to the clear interface of the Raiffeisen website, so even a beginner can send money to the recipient without any problems.
If the transfer needs to be made to a MasterCard card, then in addition to the details, you should indicate the validity period of the card. There are several options for crediting funds to the required account: through a terminal, through an ATM and via the Internet.
- Remember that a transfer from a Raiffeisen card to a Sberbank card can be performed in several ways, and the sender will be charged a commission of 1.5% of the transfer amount. The minimum commission amount is 100 rubles.
- To use the service of transferring funds between cards online, you should go to the official website of Raiffeisenbank and go to personal account. After this, you should find the “Transfers from card to card” section and go to it. Since this option is very popular among bank clients, specialists placed the form for filling it out on the main page of the site for greater convenience for clients.
- After going to the section, you need to enter the details of the card that needs to be topped up. When paying, you will have to additionally indicate the validity period of the card and its CVC2/CVV2 code, which is located on the back of the card. After entering all the fields, an SMS with payment confirmation will be sent to the linked phone number.
Only after entering the code will the payment be accepted for processing and funds will be transferred from one account to another. Usually the transfer takes about a few minutes, but in some situations the bank may delay the payment for technical reasons (according to the regulations, it is obliged to complete it within 5 working days).
Transfer commission
Transfer using an ATM
In order to make a transfer via an ATM, you will need a few simple steps:
- log in to the terminal by inserting your bank card;
- enter the PIN code from the card;
- in the main menu, select the “Transfer of Funds” section;
- enter the details of the card that needs to be topped up;
- enter the amount;
- confirm payment;
The procedure for transferring funds is similar, whether at an ATM or at a terminal.
There is an even simpler operation that only requires mobile phone. When applying for a card, you need to link a mobile number that can be used for transactions.
You just need to activate the Mobile Bank service and ask the operator for a list of short numbers with which you can make payments.
Check out bank offers
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When actively using a plastic card, the client is interested in having funds credited to it quickly and almost as quickly transferred to other cards. In fact, transferring money from a Raiffeisenbank card to a card of another bank can be difficult, if only because the client does not know how best to do it. In reality, everything is quite simple and you will definitely see this by reading our article.
Fast translation methods
One of the fastest ways to transfer money from a Raiffeisenbank card to a card of a completely different bank is to use the service that is available on the bank’s website. You can use it without leaving your home, but you need to obtain a login and password in advance from the bank branch to access Internet banking. So, go to the site, find a large button in the upper right corner that says “Internet Bank” and click on it.
- After logging into the system, go to the transfer to another card tab.
- We fill in all the necessary details of the “donor” card and the “acceptor” card.
- Enter the amount that needs to be transferred to another card and confirm the operation.
For the transfer, the system will charge a commission of 1.5% if the money was stored on a debit card and 3% if the debit was made from a credit card. You cannot transfer less than 50 rubles or 3 US dollars.
It is very important to pay attention to the fact that the system does not allow you to transfer more than 150,000 rubles per day from a Raiffeisenbank card. In 24 hours you can make no more than 10 transfers, but in 30 calendar days you can transfer a total of no more than 1,500,000 rubles.
The second method also does not take much time, but in order to use it, you need an ATM. It is preferable to use the “native” terminal, so the commission will be lower.
- We insert the card into the card reader.
- Enter the password as usual.
- Go to the “Payments and Transfers” section.
- Enter the details of the card to which the money should be sent.
- We indicate the transfer amount, which must be at least 50 rubles.
- We confirm the payment, collect the card and check.
The check should be kept until the money reaches the recipient's card. Do not forget to also make sure that the calculated amount is debited from the card.
Do I have to pay for translation?
Unfortunately, when transferring funds from a Raiffeisenbank card to a card of another bank, a fee is charged. For each operation you have to pay 1.5% of the transferred amount, which is quite a lot by modern standards. The interest charged will depend on the bank to whose card the transfer will be made. In some cases, transferring money can cost 4 or even 5%, so before carrying it out, you need to find out what kind of relationship Raiffeisenbank has with the acceptor bank.
Today Raiffeisenbank has established partnerships with a whole group of banks. They signed a multilateral agreement that proved to be very beneficial for clients. If a Raiffeisenbank client transfers funds from their card to the card of a bank that is participating in the agreement, they will not have to pay a single percentage for this transfer. What banks are we talking about? 
- MDM Bank.
- Rosbank.
- Tatfondbank.
- UniCredit Bank.
- Bank URALSIB.
How long should I wait for enrollment?
Banking transactions are completed very quickly. The required amount is debited from the Raiffeisenbank card instantly after the client confirms the completed action. Funds can be credited within 1 hour, however, according to internal documents, the bank reserves the right to verify the financial transaction. In this case, funds can be received within 5 business days, but in 80% of cases crediting is made within 1 business day.
If funds have not arrived on your third-party bank card within 5 business days, you can contact the Raiffeisenbank office with an oral or written complaint. Bank employees will explain what happened to in cash, and for what reason the enrollment was not made. You may also have to contact the bank where the money was transferred.
So, we figured out how to transfer money from a Raiffeisenbank card to a third-party bank card. This is in any case a simple operation that can be performed very quickly and without any difficulty. Go for it, but first find out how expensive the translation will be. Good luck!