Bank cards are a convenient tool for managing your own money. More and more citizens are choosing to use plastic cards instead of cash. When the money on the card runs out, it becomes necessary to replenish the account. In the article you will find information on how you can replenish your card account and how to do it most conveniently.

What are the ways to replenish a bank card

Each client replenishes his payment card in different ways and chooses the most suitable and convenient method for himself. So, someone is satisfied with the minimum commission or replenishment without it, and someone likes the absence of queues or instant transfer of funds. In this regard, the choice of replenishment method, first of all, depends on the preferences of cardholders.

The most common among citizens are the following methods of replenishing plastic cards:

• contacting a bank teller;
• transfer through the post office;
• use of self-service payment terminals or ATMs with the function of accepting cash;
• bank transfer from one card to another;
• independent replenishment using Internet banking. Also used to replenish an account through a bank card (other);
• money transfer from a virtual wallet (Webmoney, QIWI, Yandex.Money, Money Mail.ru, etc.).

This list is not exhaustive and will vary for each bank. This is due to the peculiarities of the work of different financial institutions. For example, a card of one bank cannot be replenished with a bank card of another bank, or a particular bank does not have an online payment system.

How to replenish a card account at a bank cash desk

In order to deposit cash to your payment card through the bank's cash desk, you must perform the following steps:

• go to the bank branch;
• provide a bank teller with a rechargeable card and passport, as well as inform the amount of replenishment;
• deposit funds at the cash desk and sign the receipt printed by the cashier;
• after that, the funds will be credited to the card.

In some cash desks (for example, at Sberbank of Russia), the client is first issued a special receipt, where he independently indicates his passport and payment details. Then the receipt is given to the cashier for crediting funds.

As a rule, replenishment is possible only at the cash desks of the bank that issued the card. Replenishment of cards of other banks in this way is either not carried out or occurs when an additional commission is charged.

There are various card replenishment terminals. They can operate on behalf of a bank or on behalf of another company that also carries out the replenishment procedure (for example, Qiwi payment terminals, SpintNet, Eleksnet, PlatForma, etc.). The difference between such terminals is only in the amount of the commission charged for the operation (as a rule, the bank terminals have a smaller commission).

The process of replenishing the card for all terminals is almost the same and consists of the following steps:

• in the terminal menu, you must select the desired option responsible for replenishment;
• if there is a card, insert it into a special hole and enter the PIN code, and if there is no card, simply enter its number;
• check the correctness of the entered data;
• prepare money in the required currency (must match the currency of the account);
• deposit cash into a special acceptor of banknotes;
• confirm card account replenishment;
• receive a check upon completion of the transaction.

The term for crediting money to the card can last from a couple of minutes to several banking days, depending on the capabilities of the terminal.

It is possible to replenish the account through a card (other) only in the following ways:

• by personal appeal to the bank branch;
• using a self-service terminal or a regular ATM;
• using Internet banking;
• depositing money through electronic payment systems.

To replenish the account with a card through the cash desk, you must go through exactly the same procedure as when depositing cash at the cash desk. But the cashier will need to provide the exact payment details of both cards.

Top up with bank card through a terminal or ATM is possible only in those devices that support such a function. This can be seen on a special sticker or options in the menu.

To replenish the balance with another card in this way, you need to do the following:

• insert into the terminal / ATM a card from which funds will be debited;
• enter the PIN code of the card;
• select the option "Transfer funds" in the menu (the name may differ);
• indicate the details of the card to which the money will be credited;
• enter the amount to be deducted;
• be sure to check the correctness of all entered data;
• confirm replenishment with a card (this option may be called “Top up with a card”);
• print a check.

In these ways, the account can also be replenished from a bank card of another bank. The only unreliable method in this case is replenishment through the cashier. Not every bank will be able to carry out such an operation, so this point needs to be clarified.

The most popular, fast and convenient is the replenishment of cards via the Internet. In this way, customers can replenish their account online from a card at home at a computer and not waste time in long queues. Also, many banks provide instant crediting of funds when choosing such a replenishment option (for example, if Alfa-Bank replenishes a card account online).

A feature of this method is that here replenishment can only be made from another card. The essence of the procedure boils down to the fact that on the website of the bank whose card holder you are, you need to create your personal account. After entering the account, a functional menu will appear that allows you to carry out various banking operations.

In order to replenish the account from the card in this way, the following is required:

• select the option "P fill up through the card ”(names may be different);
• enter the payment details of both cards or select them from the list of accounts (as a rule, all your accounts with this bank are displayed online);
• specify the replenishment amount;
• check the correctness of the details;
• confirm replenishment;

The transaction receipt will be automatically saved in the transaction history and can be printed at any time.

Nowadays, you don’t even need to leave your home to replenish your mobile account, but not everyone knows how to put money on a phone via the Internet. And it's good to have that kind of information.

Consider all possible ways to replenish your account via the Internet and not only. At the same time, we will repeatedly mention Uralsib Bank, since everything was checked on it.

You can pay for a mobile phone at almost every step in the city and even without leaving your home with the Internet. In addition to the phone bill, you can pay for the Internet, home phone, public utilities and shop. So, let's look at all the methods.

You can put money on your mobile as follows:

Let's take a closer look at the last one.

Replenishment of mobile via the Internet

Nowadays, many transactions, including cash, are performed using the Internet.

The main advantage is that you do not need to run around and look for a place where you can top up your mobile. The internet abounds possible ways replenishment and payment of various accounts.

Let's sort them out. Let's start with Internet banking and mobile banking. To do this, you need to have an open bank account and a registered cash account or card of any bank that supports this service.

At the moment, all major banks have such a system (such as Sberbank, Uralsib, etc.). You need to go to your personal account, select the appropriate service, enter data and confirm the transfer Money. In the case of mobile banking, everything is the same, but before all of the above, you need to download a special application for your device from the official website of the bank. For example, this service is offered by Uralsib and many other banks.

In addition, it is worth mentioning a pleasant bonus, namely, phone card VISA, which gives Uralsib-bank. By paying with this card for purchases, you get a bonus on your mobile.

To register an account with Uralsib Bank, you need to go to the official website and click on "Internet Bank" at the top, and in the window that opens, in the login form, click on "Get access" and then follow the instructions. The process is similar for other banks.

Secure transfer services are websites that provide services related to money transfer, payment and replenishment of various accounts (for example, Interkassa). All that is needed is to enter the phone number, the amount to replenish, the bank card details and, at the request of the bank, confirm the transfer (enter the code from SMS).

Replenishment from the official websites of operators is a convenient replacement for official stores. You need to go to the official website of your operator, find the desired section, enter all the necessary data (as in the previous example) and receive money on your phone.

For example, on the MTS website on the main page there is a section “Top up balance”. The fastest and most reliable way to deposit money on your mobile.

Electronic money systems

There are many such systems, but there are three most popular in Russia:

• WebMoney (WebMoney);
• QIWI (Kiwi);
• Yandex (Yandex).

First you need to register with them. There should be no difficulties with this (you can register using an account with social networks), except for WebMoney. It has established itself as one of the most reliable and secure systems, and therefore takes care of its security at the highest level.

You may have to go through more than one check with codes from SMS and Email. After registration, you need to replenish your account, you can do this from any bank card (the same Uralsib-bank) or through the terminal.

To replenish your account through Yandex, you need to go to your personal account, select "Products and Services" on the left, then "Mobile phone", in the window that opens, enter the phone number, amount and confirm the operation.

In the case of Qiwi, you also need to log into your account and in the “Cellular Communications” section select one of the items: “MTS”, “Beeline”, “Megaphone” or “By phone number”. The last option must be selected if your operator is not in the list.

Let's move on to WebMoney. IN personal account on the left, select "Payment", then "Mobile communications", find your operator, fill in the necessary data and confirm the operation.

For full use in WebMoney, you need to truthfully fill in all the data and attach a copy of your passport.

Call by phone, and the necessary conversation was suddenly interrupted? Don't be nervous and don't blame everything mobile communications. Most likely, your friend's balance has been reset. The only way to finish talking is to throw money to the interlocutor by dropping it from your cell phone. You can replenish your account not only within the same network, but also transfer the required finances to a subscriber of a third-party operator.

How to put money from phone to Megafon phone

All users of this service have a service - "mobile transfer".

• Dial: *133*+amount*+number where the coins will go#.
• Press the call button.
• Write the mobile phone number with +7, 8 or without them, but in a ten-digit format.
• In five seconds, an alert will come with a code that you send back as a sign of consent to the withdrawal of a certain amount.
• Check if the funds have noticeably decreased - your opponent has received the money. Commission - 5 rubles.

How to put money from phone to Beeline phone

• Dial on your cell - * 145 * friend's number * money #. Please note that the funds must be without change, and the number must be without 8. Next, challenge.
• Accept the number combination. Hit - * 145 # + code + call. A couple of minutes later you will receive confirmation of past operation. Payment - 5 rubles per position.

How to put money from phone to MTS phone

First way. Dial *111*7#. Get into the menu. Search for "direct transmission". Enter the subscriber's number, put a space after it and indicate the amount. Confirm the request. If an inscription appears in the window that the demand is accepted, the money is gone.

The second way. Enter *112*mobile phone*rubles#. Call. Wait for the confirmation code, enter the numbers in the response message. For the service, give 7 rubles.

How to transfer money from phone to phone Tele 2

First, calculate the balance after the transfer. It should not be less than 20 rubles.

Send a command - * 145 * someone else's phone * banknotes without change #. Call. Cell number write through the eight. Soon you will receive a message about the execution of the order, indicating the amount and the number of the recipient.

How to transfer money from phone to phone with different operators

The operators of Megafon, Beeline, MTS, Tele 2 work closely with each other, so finances are transferred between them at lightning speed.

• Megaphone. You need to transfer money to MTS. Send SMS to 94011, indicating the phone number and the amount separated by a space, Beeline - 94012, Tele 2 - 94025, then indicate the number with a figure eight and the rubles to be debited. Commission - 3.3%.
• MTS. When sending money to Megafon or Beeline, use *115#, then call. The screen will display "easy payment", find the item - mobile phone. Enter the number without 8 and the amount of replenishment. Send the sent code to 6996. On Tele 2 - dial *115#, green handset on the phone. Enter the menu, then - phone, look for Tele 2 - send. Dial number, amount, send. Confirm the payment with any text to 6996.
• Beeline. To transfer to Megafon, MTS, Tele 2, send an SMS to 7878 with the text - 7, phone, space, amount.
• Tele 2. You can transfer money to MTS through a USSD request. Dial - *159*3*number*amount in rubles#. Press the key - "call". Confirm sending with a code. To Beeline - * 159 * 5 * number without 8 * money #. Megafon has *159*4*(number without 8)*(amount)#. Call.

Now you know how to quickly transfer money from phone to phone of any operator, which means you will always be in touch with friends, relatives, colleagues.