Center invest transfer from card to card. Pros and cons of Center-invest credit cards

You can take a cash loan before the salary on the Center-invest card. Money transfers are made to both credit and debit cards with an overpayment of 1-2%. The main payment systems are supported - MasterCard, Visa, MIR.

Primary requirements

Borrow the required amount and you can get an instant loan on a card if:

You have Russian citizenship;
You are at least 18 years old;
You have a permanent telephone number for communication.

How to get an online loan

Obtaining a credit card via the Internet is much easier than at a branch of an MFO or a bank. The scheme of actions is as follows:

Register on the website.
Fill out the application form, specifying personal passport data;
Select the size, period and other parameters of the microloan using a pivot table and an online calculator.
Provide information about the bank card in the system, check and confirm its correctness. On average, data is processed in 10-15 minutes.

If the card is not accepted for the transfer of the loan - what to do?

Some cards are not suitable for online loans. If your card is just that, you should apply for a micro-credit with a transfer, and indicate the card account as the account number. Then all borrowed funds will be transferred to the card.

To transfer to the account, you will need Center-invest payment details. They can be viewed in personal contract, Internet Banking, mobile application, check with support, etc. Another option is to look at the "Requisites" section on the official Center-invest website. Typically, it can be found through the menu on the home page.

REMINDER TO THE CLIENT

Dear Customer!

We are glad that you have decided to cooperate with us!

Center-invest Bank card - this is ease of use, comfort when making transactions and the safety of your funds on the card.

Facilities on bank card accounts Center-invest insured in accordance with the state deposit insurance system.

For For your convenience, we have developed a number of recommendations to help you use your bank card.

Protect the card from electromagnetic fields.

Do not subject the card to bends or impacts.

Do not expose the card to water.

Do not store the card in a humid environment.

Do not let the card heat up above 60 degrees C.

When you receive your card, be sure to sign it.

Do not give your card to others, avoid leaving it in places where someone can take it and copy the card number along with your signature sample.

When using an ATM or terminal, try so that no one can see the PIN code you typed.

In order to secure own funds, as well as control the balance on the account, we strongly recommend connecting (especially important - for the duration of travel) the service by SMS-notification on mobile phone... SMS-notification makes it possible to control all your card transactions, promptly monitor the replenishment of the card account, remind you of the need to reissue the card in advance of the expiration date.

Disclosure of the PIN code may lead to the use of your card by unauthorized persons.

Do not give your secret PIN code to anyone.

Do not write the PIN code on a card or in other places where unauthorized persons can read it.

Store the card in a safe place.

For the safety of your money on the card account, the card is automatically blocked when you enter the wrong PIN code 5 times in a row.

If you have forgotten your PIN, you need to contact the bank to reissue the card.

Remember! Your PIN and card are access to your own money: do not store the PIN next to the card. This will increase the guarantee of the safety of your funds.

How to top up a card?

Replenishment of the card account can be carried out in the following ways:

depositing cash through any office of Center-invest Bank;

depositing cash through Center-invest bank ATMs equipped with cash-receiving devices;

by bank transfer with full account details.

Commissions for crediting funds are charged bank card.

The list of addresses of ATMs and branches of JSC CB "Center-invest" can be found on our website www . centrinvest . ru

How to pay with a card in a store?

Make sure in advance that there is enough money on the card to make the intended purchase.

To make a payment, give the card to the cashier.

After completing the payment, the cashier will return your card and check.

Do not sign the check (slip) if the amount is not indicated on it or the amount is indicated incorrectly. Do not forget to keep the first copy of the check (slip) for yourself.

The Bank strongly recommends that you keep the originals or copies of all receipts (slips) received in confirmation of payment by card for goods and services. Preservation of these documents guarantees protection against inaccuracies in debiting funds from your account.

Do not allow an employee of a trade / service establishment to take your card into the backroom. All operations with the card must be carried out in your presence !!!

Don't enter your PIN twice on different devices.

We draw your attention to the fact that an employee of a bank or trade and service organization, when carrying out a card transaction, has the right to demand a document proving your identity.

We recommend that you be especially careful and strictly follow the above recommendations when carrying out transactions using a bank card in Eastern Europe, the Asia-Pacific region - countries with a high level of fraud.

If you have the slightest suspicion about the conduct of dubious transactions on your card, you must block the card and contact the bank to reissue it.

Attention!

By making non-cash payments by bank card, you can become a member of bonus programs conducted by the bank in conjunction with payment systemsVisa , MasterCard , outlets accepting cards for service. Details on the procedure for holding promotions find out on the official sites Bank Center-invest, payment systems Visa , MasterCard .

How can I get cash with a card?

You can get cash at ATMs, bank branches, their branches and cash desks, where there is a sticker with the logo payment system Your card (the payment system logo is displayed on the front side of the bank card).

Do not agree to conduct questionable transactions (for example, receiving cash or changing at a merchant). Remember: Cash withdrawal by bank card is allowed only at ATMs and bank branches.

Commissions for withdrawing funds are charged in accordance with the terms of your service agreement bank card.

Receiving cash at the bank.

To receive money from the bank, you need to have your passport with you. The bank cashier will accept your card, dial the amount you want to receive on the payment terminal, and if you need to enter a PIN code, he will give you the payment terminal control panel (on the payment terminal remote control, you need to dial the PIN code and press "Enter"). The cashier will give you cash, a check and return the card.

If, during the operation, the payment system receives information about the withdrawal of the card, you need to receive an act of withdrawal of the card and contact your bank.

Cash withdrawal from an ATM.

Inspect the ATM before proceeding with the transaction appearance... If any suspicious devices are found (an overlay on the card reader, on the front side of the ATM or next to it, into which a camera can be installed, etc.), do not insert the card into the reader, contact the Bank and inform us about suspicious ATM.

Please note: a bank card reader to provide access to special closed rooms where ATMs are installed should not require a PIN code. If a device that requires a PIN code is installed when entering the premises, do not use it.

Make sure the ATM is serving your card. To do this, pay attention to the logo on the ATM (it must correspond to the logo shown on your card).

Insert your card into the ATM receiving device (holding the logo, face towards you) and enter the PIN-code, then follow the instructions that appear on the ATM screen.

After receiving cash, wait for the ATM to issue a check and pick up the card.

Remember: the ATM responds quickly! ATMs pick up unclaimed cash and the card back within 30 seconds.

If you do not receive all or part of the requested amount at the ATM, as well as if you, for any reason, did not take the money from the ATM within 30 seconds, you must contact your bank.

What is the limit expense transactions on the map?

What is it for?

Limit on the map – maximum amount cash withdrawals from ATMs and non-cash payments in trade and service enterprises, which the client can make in one day.

Limits are set for security to prevent illegal actions to write off the entire amount of funds from the account. For example, if the card was stolen and the client did not manage to immediately block it, the attackers will not be able to cash out the entire amount of funds from the card account at a time - the amount will be limited to the daily limit on the card.

Additional services at Center-invest ATMs:

You can always use additional services offered by Center-invest Bank in its ATMs. This:

Mini-statement printout,

Printout of a statement of loan debt,

Intrabank transfers (loan repayment, transfer to deposit),

Transfer from card to card,

Payments to mobile operators, payments for cable and satellite TV, payments to Internet providers, etc.

What if the ATM did not return the card?

First of all, you need to contact the bank that installed the ATM. Coordinates are usually indicated on the face of the ATM. If you could not identify the bank that serves the ATM, call your bank by phone 8 800 2009 109, tell the country, city, street and number of the building where the ATM is located, specialists will help you clarify the name of the bank and the phone number where you should contact. You will speed up and facilitate communication with your bank by giving your card number.

What to do if you have lost your card?

If you lose your card, you must report immediately to the bank about the loss by phone 8 800 2009 109 and make a temporary block. For identification purposes, a bank employee may ask you to answer a number of questions. Verbal communication must be confirmed by a written statement about blocking the card.

Card expiry date.

Your card has a specific expiration date. The validity period is indicated on the front side of the card in the format: mm / yy (month / year). The card is valid until the last day of the month of the year indicated on the card. After this period, the card is not accepted for payment at ATMs and terminals. To extend the card, you need to contact the bank in advance.

Card blocking by the Bank

The card can be blocked by the bank without prior notice for the following reasons:

Violation of contractual conditions for payment of bank services (the procedure and terms of payment are determined in accordance with the TARIFFS and the terms of your service agreement bank card );

on demand service bailiffs in accordance with the legislation of the Russian Federation;

in case of termination employment contract with the organization that issued the card as part of the salary project;

for security purposes in case of receipt of a message about the compromise of the card from international payment systems.

To agree on the conditions for unblocking the card, you must contact the bank branch with a passport .

Security measures when making cashless payments for goods / services via the Internet.

Be careful when conducting transactions via the Internet.

Remember! Transactions on the Internet are considered high-risk transactions!

It is advisable to issue a separate card for transactions on the Internet

Use measures of operational monitoring of the state of the card account - SMS notification of operations

When carrying out transactions in online stores, check that the site contains the contact information of the organization, if possible, make sure that the address and phone number indicated on the site are correct. Be careful, websites can be used by scammers, pay on trusted sites.

When conducting card transactions on the Internet, under no circumstances provide information about your PIN-code. Remember - PIN-code is not used when paying on the Internet. If on the site you were asked to enter a PIN code, immediately abandon the operation, contact the Bank and inform us about the suspicious site.

Banks charge a commission for transferring money from card to card, the amount of which can be from 10 rubles. up to 2%. You can save money when transferring funds through your Internet bank or when sending small amounts... Compare.ru found the most profitable options translations.

They are so different

Some banks have a card-to-card transfer service built into the Internet banking system, so it is beneficial for the clients of institutions to use it. As a rule, transfers from card to card within one bank are free of charge. Sberbank of Russia stands apart, where a commission of 1.5% is charged when transferring to a card “outside one city” (no less than 30 rubles and no more than 1000 rubles).

The type of card also matters. The least commission is provided for the transfer of money from debit card, and most of all - with credit. In the latter case, the amount of the fee is close to the commission set for the withdrawal credit money at an ATM, and is at least 200-300 rubles.

Funds transfer services, located separately from banking sites, for example, "Raketka" or "a-3", allow you to transfer money from cards of various banks to accounts in any bank in the country (and in some cases in the world).

The cost of the service is determined by the percentage of the transfer amount, as well as the minimum commission that must be paid even when transferring a few rubles. The size of the commission is often 1-2%, and the minimum cost of the service is 30-50 rubles. For this reason, if you transfer from 2 to 5 thousand rubles. - the choice of service does not matter, since in each case you will have to pay several tens of rubles. If you need to translate large sum, for example, 30 thousand rubles, then it is better to choose a service according to the size of the commission.

Where is it cheaper?

The minimum commission of 0.5% (minimum RUB 10) is provided in the Center-invest Internet bank. When transferring up to 2 thousand rubles. only 10 rubles will be charged. If you transfer 50 thousand rubles, then the commission will be 250 rubles.

On the second place was the Internet bank "FC Otkritie", where when transferring up to 9 thousand rubles. you will have to overpay only 45 rubles, and in other cases - 0.5% of the transfer amount. The third place was taken by the bank "Avangard", which offers money transfer for 1%, but not less than 30 rubles.

Most often, the cost of the service is 1.5%, but not less than 50 rubles. (in 7 cases out of 40). This amount must be paid when transferring up to 3333 rubles.

The cheapest tariffs in publicly available services were found in Moscow credit bank and the Moscow Industrial Bank - 1% each, but not less than 50 rubles.

Tariffs for card-to-card transfers in Internet banks


Center-invest	0.5%, minimum RUB 10, maximum RUB 500	any amount within the limit
FC Otkritie	0.5%, but not less than 45 rubles.
Vanguard	1%, but not less than 30 rubles.
	1.25%, but not less than 30 rubles.
Instabank	1.3%, but not less than 50 rubles.
Sberbank of Russia	1.5%, but not less than 30 rubles.
Raiffeisenbank	1.5%, but not less than 50 rubles.
Saint Petersburg	1.5%, but not less than 50 rubles.
Ural Bank for Reconstruction and Development	1.5%, but not less than 50 rubles.
	1.5%, but not less than 50 rubles.
Svyaz-bank	1.5%, but not less than 50 rubles.
Home credit	RUB 100 regardless of the amount	over RUB 10,000

Tariffs for public card-to-card transfer services

	Cost of transfer to a third-party bank card	Is charged minimum size transfer fees up to ...
Moscow credit bank	1%, but not less than 50 rubles.
Moscow Industrial Bank	1%, but not less than 50 rubles.
	1%, but not less than 60 rubles.
Sovcombank	1.1%, but not less than 50 rubles.
Military Industrial Bank	1.3%, but not less than 50 rubles.
	1.40%, but not less than 40 rubles.
	1.45%, but not less than 30 rubles.
Tinkoff Bank	1.5%, but not less than 30 rubles.
Promsvyazbank	1.5%, but not less than 30 rubles.
Novikombank	1.5%, but not less than 35 rubles.
MBA-Moscow	1.5%, but not less than 35 rubles.
Rosinterbank	1.5%, but not less than 35 rubles.
Tavrichesky	1.5%, but not less than 35 rubles.
Orient Express Bank	1.5%, but not less than 40 rubles.
Opening	1.5%, but not less than 50 rubles.
Metallinvestbank	1.5%, but not less than 50 rubles.
Finservice	1.5%, but not less than 60 rubles.
Bank of Moscow	1.6%, but not less than 70 rubles.
	1.7%, but not less than 50 rubles.
Wink	1.8%, but not less than 40 rubles
Rosgosstrah Bank	1.9%, but not less than 40 rubles.
Russian standard	1.9%, but not less than 50 rubles
Alfa Bank	1.95%, but not less than 30 rubles.
Yandex money	1.95%, but not less than 40 rubles.
	1.95%, but not less than 45 rubles.
Tatfondbank	1.95%, but not less than 50 rubles.
On the Banki.ru website	1.95%, but not less than 50 rubles.
	2%, but not less than 40 rubles.

How was the study conducted?

Sravn.ru studied the possibilities of card transfer of money in the top 100 banks in Russia by assets as of November 1, 2015, as well as services offering this service on the Internet. Options for transfers through ATMs were not considered financial institutions... The search for information on the amount of the commission was carried out on the pages of the services, and in the absence of information - through the call center of the bank. The study took place on November 17-18, 2015.

Bank Center-invest is regional bank Russia. Among the bank's shareholders are the largest European banks. The extensive network of branches of the bank, consisting of one hundred and twenty offices, has a large client base. In the southern region of Russia, it is one of the most dynamic banks with a high international rating.

Center-invest bank transfer services

The bank offers its clients a package service programs and financial instruments high international level. Let's take a closer look at the tools remittances:

Through Western Union;
Using the Zolotaya Korona system.

Western Union (international system)

This is a generally accepted international format for money transfers and has many advantages and features:

First of all, it is the speed of financial transactions in a matter of minutes, regardless of the distance;
The translation process is simple and accessible for all adult citizens. You do not need to be a client of the bank for this.

Transfer procedure through Center-invest bank

To do this, you need to contact bank office where Western Union is served. Then fill out To do this, you need to contact the bank office where the Western Union service is serviced. Then fill out the sender's application form) indicating the required information. Identity confirmation will also be required. All you need to do is show your passport.

Pay the amount of the transfer to the cashier plus the payment for the translation service. As a result, you will be given a receipt with a ten-digit code. Send the message to the recipient in a way convenient for you. And you report:

The amount of the money transfer;
Special ten-digit code.

You must follow certain safety precautions. To receive a transfer, the recipient must:

Possess complete data about the sender;
Fill out a special form at the department and receive funds using an identity document.

System "Zolotaya korona"

This service is also available to all Russian citizens holding a civil passport (identity card). Using it, you can safely send money within Russia and to foreign countries in the format of addressless delivery.

Transfer procedure through the service "Golden Crown"

This service has more than sixty thousand service centers, including Center-invest bank. Transactions are completed in a few minutes using an addressless procedure, for this you need to specify:

Country;
Locality.

In the indicated locality, the recipient can receive money at any point (Golden Crown).

For the convenience of sending through this service, you can through the official website of the bank. Go to the site and select the item (Golden Crown) of the recipient, indicate the complete data of the recipient. Next, tell the phone numbers of the sender and recipient. Confirm the specified data in the application form with your signature. Enter the required amount plus the cost of the tariff at the bank's cash desk.

Conclusion

You can monitor all transfer transactions online through the official website (Golden Crown) or through a mobile application.

To clarify the status of your account, you need to go to the official website of the bank in the appropriate option and fill in your data:

Full Name;
Your details specified in the contract.

Center invest transfer from card to card. Pros and cons of Center-invest credit cards