Is it possible to pay a loan through a mobile bank. How to pay a loan to another bank through the mobile bank of Sberbank. Loan repayment through the Sberbank mobile application for android
Almost every adult is bound by loans, mortgages and other promissory notes, their monthly payments take a sufficient amount of effort, because you need to get to an ATM or bank branch, prepare money in advance or look for an opportunity to withdraw it from a card, stand in lines or understand confusing instructions for payment. Not so long ago, another option was added to the services of the Mobile Bank - the ability to pay for a loan from Sberbank. This was another good news for regular customers, because now debt payment takes only a few minutes and requires only a mobile phone. How to do this - now we will tell you in more detail.
Using the Mobile Bank
This service is available only to those customers who have a card issued in the same Sberbank branch as the loan, this is important! Otherwise, you will not be able to make a payment via SMS.
In addition, myself the loan must be with differentiated payment.
Naturally, the bank card must be connected to the Mobile Bank (read how to do this).
The main thing when using the Mobile Bank is to carefully send messages with all the details, double-check them and read the instructions that come in reply SMS messages. In most cases, this is sufficient.
If all the conditions are met, then a message of the following type is sent to the general short number 900:
CREDIT Account No. Amount Card No.
- CREDIT is a mandatory request word; it can also be written in Latin letters.
- Account No. - account number, consisting of twenty digits, which is indicated in the loan agreement.
- the amount is your monthly fee.
- Card number – last numbers.
For example:
CREDIT 12345678912345678912 25000 1234
In the event that you did everything correctly and the payment was made, you will receive a message from the bank of this type to your number:
Via SMS
In a similar way, you can pay off credit debts or find out about their availability.
This service is available only to those customers who have a card issued in the same Sberbank branch as the loan, and at the same time it is with a differentiated payment.
If you want to find out your debt, then a message is sent to number 900 with the following text:
CREDIT # of account # of card
- CREDIT is a mandatory request word, you can use the Latin word instead
- Account number - the account number, consisting of twenty digits, which is indicated in the loan agreement
- Card number – last digits
For example:
CREDIT 12345678912345678912 1234
If there is a debt, the bank will respond with the following message:
In this message, for security purposes, the bank suggests using a confirmation code, which must be sent in a reply SMS. In addition, be vigilant and know that Sberbank never sends any messages about the cancellation of operations!
If your payment was successful, Sberbank will respond as follows:
Remember that all SMS messages to number 900 are charged in accordance with the tariffs of your telecom operator and are not free of charge.
Repayment of a loan through the Mobile Bank is a fairly simple and quick operation that does not require any additional efforts - there is no need to look for ATMs, bank branches, stand in queues, there is even no need to connect to the Personal Account in Sberbank Online. To do this, you just need to know the number of your loan agreement and have a mobile phone with a constant signal. In the modern pace of life, such services allow you to save time and effort and spend them on more important things. And if you also connect Auto Payment, then these moments will fly by imperceptibly and unobtrusively, because payments will be made automatically.
Reading 3 min. Views 128 Posted on 16.08.2018
Almost every client of Sberbank has the Mobile Bank service connected. It allows you not only to regularly receive messages about movements on the attached bank card, but also provides security when using the web account and making payments via the Internet. In addition, in the list of options for this service there are those that allow you to perform Money transfers, pay for services and debts through a cell phone. How to pay off a loan through the Sberbank Mobile Bank? Is there such a possibility? Let's try to figure it out.
How to pay a loan from Sberbank through Mobile Bank
If the user of the mobile service wants to deposit next payment for a loan taken from Sberbank, he can use one of the following tools:
- SMS command;
- numeric request from the keyboard;
- using a template for payments.
Important! These methods can only be used if the withdrawal card and the credit account were opened with Sberbank, within the same region.
Step-by-step instruction
The classic way to work with Sberbank Mobile Bank is to use SMS commands. They are sent to the bank's service number - 900. In the body of the message, indicate the following data separated by a space:
- code word CREDIT;
- 20-digit loan account number;
- payment amount in rubles;
- the last 4 digits of the card number from which the payment will be debited.
After sending the message, the subscriber's phone will receive one-time password to confirm. It also needs to be sent to the service number to complete the operation.
You can also use a digital request from the keyboard to quickly repay the loan. To form it, dial on the phone (in the same way as when dialing a regular number for a call) the following combination:
* 900 * 14 * 20-digit credit account number * payment amount * end of debiting card number #.
After that, the call button is pressed, thereby activating the dialed command.
Important! These methods only allow you to repay loans with differentiated payments.
Creating an SMS template for auto payment
It is not very convenient to enter account and card numbers every time. In addition, there is a risk of making a mistake in typing, which will provoke a payment error. If the client intends to use the described tools on a regular basis, it will be more convenient to create a payment template.
This operation is performed in Sberbank's web account. After entering the LC you should:
In the future, if it is necessary to send the next payment, the client will need to send an SMS with the name of the template to the bank number. But if the USSD command is used, you will have to re-register all the details.
Is it possible to pay a loan from another bank through mobile banking
Many clients are interested in how to pay a loan to another bank through the Sberbank Mobile Bank. The methods described above will only work when paying for loans issued by Sberbank, moreover, in the same region where the card was received.
To create flawless credit history it is extremely important to pay your credit liabilities... If the money to pay for the loan is prepared and is on debit card, there is nothing easier than sending them to a debit account. There are many ways to do this, and we will definitely mention them, but Special attention let's look at how to pay off a Sberbank loan through the Mobile Bank.
Mobile devices are always with us. Some do not part with them 24 hours a day. It is no wonder that various mobile applications have conquered a huge market in a matter of years. More financial transactions is done with the help of mobile banking applications, and Sberbank is trying to get ahead of its competitors in all respects. Designed within PJSC Sberbank The mobile bank allows you to perform hundreds of different operations, including paying for a loan at Sberbank and, in general, at any other bank. How to do it?
- Log in to the Mobile Bank.
- Find the section "Credits" enter it.
- A list of your credits will appear. We choose the one that needs to be paid.
- We find the interactive button "Pay a loan" and press it.
- Next, we indicate the amount of payment and the card from which you want to write off the money.
- We check the correctness of the data entered and confirm the financial transaction.
Payment for a Sberbank loan is carried out without a commission, but when paying for loans from third-party banks, a commission of up to 5% may be charged.
We pay through a self-service device
Pay a loan to another bank online through mobile app Sberbank is very simple, but not everyone has this application installed, and Sberbank ATMs are very common, and it will not be difficult to find such an ATM. We go to the ATM, insert the card with which we will pay the loan and enter the pin code.
Then we get to the main menu, where we have to select the section "Loan repayment". After that, we get to the page where you need to enter the data about your loan. If you take a loan from Sberbank, it will appear on your ATM screen, if a loan from another bank will need to enter a twenty-digit account number, after which the device will display the loan data. Click "Next" and go to the page for making a payment, where you need to specify how much money you need to pay.
At the next stage, the system will offer to write off money from the card or make a payment in cash, if the ATM accepts this cash. We confirm the operation and mandatory print a check. We take the card and go about our business.
Automatic payment
In some cases, people turn into "hard-core defaulters" due to their phenomenal absent-mindedness and forgetfulness. One loan is often forgotten, and if there are 5 of these loans, then there is nothing to say. How to be? Train your memory? Of course, memory training is a good thing, but you can solve the problem in another way, for example, by connecting AutoPayment. What kind of service is this, and what advantages does it provide to payers of several loans?
As the name suggests, Auto Pay is a service to automatically pay off user-defined obligations. On the right date cash will be debited from the card automatically and transferred to the credit account. Why is it worth connecting to this service?
- The client does not need to remember when he needs to pay the loan, the main thing is to leave the required amount on the write-off card, and the system will write off it when needed.
- Funds are debited from minimum commission(for a loan from another bank 1%) or without it.
- If you have a Mobile Bank connected, the system will notify you by phone about all upcoming and completed transactions using the AutoPayment service.
- Any client of Sberbank can connect this service for free.
Not everyone is ready to trust the technology in such a sensitive issue as loan payment, but it must be said that if a failure occurs in the Autopayment service, the client can easily prove that the loan payment failed not through his fault, but through the fault of the service. If you are interested in Auto Payment, connect it and start using it, most likely you will like it. You can connect Auto Payment: in the Sberbank Online system, in any branch of Sberbank, through the Mobile Bank application, through the Sberbank self-service device.
So, we figured out how to pay off your own loan using the Sberbank phone application. It's not difficult at all, you just need to figure it out a little, of course, with our help. Good luck!
Among all the existing banking products, various loans and loans are particularly popular with consumers. At the same time, financial institutions are constantly trying to simplify the procedure for their repayment, which makes their services much more convenient. Knowing how to pay a loan through Sberbank's mobile bank, the client will be able to make a payment remotely.
How to connect Sberbank Online
This service seems to be one of the most convenient tools for making various payments, including payments for loans. With its help, the consumer can repay not only his own, but also other people's loans, which significantly expands the scope of its application.
To use the service correctly, a Sberbank client will need to register. This can be done in two ways at once - using the official website financial institution, or one of her ATMs.
For the registration procedure to be successful, the user must have a valid "plastic" with him.
Registration via the terminal does not take much time, as it involves a number of simple steps:
- Insert "plastic" into the terminal, enter the correct pin-code.
- Select the category "Connecting Sberbank Online".
- Click on one of the buttons on the left side of the screen - "Get username / password" or "Get a list of one-time passwords".
- Wait for the execution of the request.
In the first case, the user will receive a check receipt, which will contain the identifier used to log in to the system, as well as the password. The login and password will be permanent, but they can be changed later in personal account user.
In the second case, the check will contain 20 one-time combinations that will lose relevance after each use. When all passwords are used as intended, the consumer needs to visit the nearest terminal again to print out new combinations.
Often, Sberbank customers prefer to register with the service via the Internet, which is much more convenient than the previous method. After all, the user will be able to start using the service without visiting the branch of the organization or the nearest ATM. The registration procedure also involves a number of actions:
- Using a computer or laptop, you need to go to the official website of Sberbank of the Russian Federation.
- At the top home page, there will be a button to enter your personal account, which should be pressed.
- The window that opens will contain fields in which you need to enter your username / password to enter. Below is the button "Registration", which must be pressed.
- Specify the number in the special field valid card Sberbank, click "Continue".
- An SMS message with a confirmation code will be sent to the number attached to the account, which will need to be entered in a special field.
- Come up with a username / password to enter your personal account.
After that, the user can use all the functions of Sberbank Online, as well as its mobile version, which allows making payments at any convenient time.
Loan repayment through the application
Wanting to pay off the loan via the Sberbank Online application, the user will need to adhere to a simple algorithm of actions. To successfully complete the operation, he must have a registered account in the system, as well as have payment details by which the payment will be made.
To pay a loan through a mobile application, you must:
- enter your personal account in the application using your username / password;
- go to the category "Payments";
- select the item "Between your accounts" / "Client of Sberbank";
- The first option assumes that the consumer will need to select a valid credit product and then complete the payment. The second option allows you to carry out transactions on products registered for other customers;
- select an account or specify the details for the transfer;
- confirm the operation.
However, such an algorithm allows transfers exclusively to credit accounts of Sberbank.
Sberbank Online web version
If you need to repay a loan taken from another financial institution, you need to use the web version of the Sberbank Online service. To do this, you need to go to your personal account on the official page of the bank, and then adhere to next order actions:
- Open the category "Payments / Transfers";
- Go to the section "Repayment of loans in another bank";
- Indicate the required information - the region of payment, as well as the name of the credit institution;
- Enter the details - account number, contract number, as well as the name of the owner;
- Check the entered data and indicate the amount to be credited;
- Confirm payment via phone using SMS.
After the payment has been processed, the funds will be credited to the account. In order to avoid delays and fines, it is recommended to pay in advance.
Template creation
If desired, the user can simplify the procedure by creating a special template. This will eliminate the need to constantly enter details, which will reduce the likelihood of errors. It doesn't take long to create templates:
- While in your personal account, open the "My Templates" section.
- Select the category "Template Management" and then the item "Create Template".
- Specify the type of template by selecting the desired option, for example "Transfer to a private person to another bank".
- Indicate all the required details.
- Save the template.
It is much easier to create a template immediately after making the required payment. To do this, just find the required operation in the "History" section, select the "Create Template" action and save it. Similarly, you can create an auto payment, which will allow you to perform the necessary operations with a specified frequency. The user will also need to indicate the required details, the amount of the payment, as well as its type.
Payment via mobile bank
This method can be used only if the card and credit are issued in the same branch of a financial organization. It allows you to make the desired payment via SMS, which is extremely convenient in the absence of access to the Internet. For correct use, the consumer must have the service activated.
This option stipulates that a message of the type is sent to number 900 "CREDIT_account_number_sum_card_number".
It is important to carefully double-check the details when sending, since the method provides high probability making an erroneous payment.
When paying using this method, the user will be sent a response message with a confirmation code for the operation. It must be sent to number 900, which will allow you to complete the desired transaction.
Similarly, you can check the current debts for a specific credit agreement... To do this, just send an SMS to number 900, which will contain the text "CREDIT_account_number_card_number".
The reply message will contain the account number, as well as information about the current debts.
Creating an SMS template
To minimize the risks of making mistakes when entering details, as well as to make the payment procedure much faster and more convenient, it is advisable to create a special SMS template. A similar function is available in the user's personal account on the Sberbank website. After entering the password and identifier, you must:
- Select the item "Mobile Bank", which is located slightly below the Personal menu.
- Opposite the phone number linked to the card, there will be a button “Create SMS-template”, which must be pressed.
- Specify credit organization and payment details. Some financial institutions do not provide for the possibility of payment in this way, therefore, they will not be in the corresponding list.
After the template is created, it will need to be given a name. In the future, if there is a need to make a payment, it will be enough to send the name of the template to number 900.
In the article, we will analyze how you can repay a loan through Sberbank Online from your phone. We will learn how to register in the application, how to create a payment template and make an auto payment. We will tell you how to pay, and a loan from another bank through Sberbank Online and what to do if you cannot pay the loan.
Below we will tell you how to make a loan payment through the Sberbank mobile application. First of all, we will talk about how to get started with this program.
After registration, all functions will become available to you. You can pay not only your bills, but also other people's loans. In addition to paying bank loans, payment of bills in microfinance organizations, such as, for example, Credit 911, is available.
Paying for credit products via a mobile phone is quite fast and convenient. Commissions for transactions are usually comparable to commissions in branches or post offices.
How to connect Sberbank Online
In order to start using the application for smartphones from Sberbank, you need to register in the Sberbank Online program. There are two ways to carry out this operation: through the terminal and through the computer. Which method is more convenient for you, the comparison table below will help you determine:
After you have registered in the system in one way or another, you need to download a mobile application from Sberbank to your phone. It is available completely free of charge in your device's app store (iOS - App Store, Android - Play Market, Windows Phone - Marketplace or Windows Phone Store).
How to repay a loan from Sberbank through a mobile application
Loan payment through the application on mobile phone gives the most optimal result of making a payment: as a rule, money comes quickly, and no commission is charged for the operation.
In order to make a payment on a loan product in Sberbank using the application, you need to follow simple instructions:
- On the main screen of the application, select the "Payments" tab.
- Here you need to choose one of two items: "Between your accounts" or "For the client of Sberbank".
The difference is that all your accounts are automatically displayed in the application, and when you press the transfer button between your own accounts, you immediately select the accounts for debiting and crediting. After filling in the "Amount" field and clicking the "Continue" button, it is enough to check the correctness of the entered data and transfer funds to your bank loan. 
- If the item "Client of Sberbank" is selected, then you will send funds to another person who has active Sberbank products, including credit. Transfer of funds is possible using three details:
- Phone number
- Card number
- Account number
In addition, the application allows you to select a person from your list of contacts - so as not to make a mistake when dialing a phone number or card. People from your phone book using Sberbank products will be marked with a bank icon next to their phone number.
- After entering the data, you must click "Continue". In the next step, you select the debit card and the amount. Alternatively, you can send a short SMS message to the recipient. It is worth noting that it will come from number 900 at the same time as the notification of the transfer of funds.
- The next step is to confirm the transfer. You need to carefully read the details of the payment: the amount, the amount of the commission, the recipient's phone and card number, his name, patronymic and the first letter of the surname. If all the data is entered correctly, you should click on "Transfer" and confirm the operation.
Thus, you can transfer funds only to clients of Sberbank. Transfer to any other bank (for example, Russian Standard, OTP or Home Credit Bank) is carried out according to a slightly different scheme.
Paying a loan from another bank through Sberbank Online
To pay for a loan in another bank through the personal account of Sberbank, use the instructions below:
How to create a payment template in Sberbank Online
There are two ways to create a template:
- Create a template with full data entry (for this, on the cover page of your account, click the "My templates" button on the right side of the screen:
Then select the active link "Template Management". In the window that opens, select "Create template": 
Next, a window similar to the "Payments and Transfers" window opens. If you are interested in creating a sample payment for transferring to another bank, you should select the item "Transfer to a private person to another bank by details". 
Filling out a form with data, specifying the amount and confirming the creation are no different from making a one-time payment in the above scheme. - The second way to create a template is much easier - based on an already completed payment. To do this, you need to open the payment history and find the required payment:
In the drop-down menu "Operations" you need to select the second item in the list "Create template" and after the appearance of new fields, click on the button "Save"
Then an SMS message will be sent to the phone confirming the creation of the template. Enter the digital code in the required field and confirm the creation of the payment: 
Note that in some cases, using a template in mobile bank it will be impossible. If you want to use it on your phone, you need to rename the template in the corresponding field (use only Latin letters).
Connecting auto payment in your personal account
There are several ways to activate the Auto Payment service. One of them: connection in your personal account in the "My auto payments" section:
You can connect the service to repay your own loan in Sberbank ("Transfer between your accounts"), to replenish your mobile account (" mobile connection"), To repay your own or someone else's loan product in another financial institution ("Repayment of a loan in another bank") and for other operations.
The search for a bank or organization for connecting auto payment is made by several details (current account, name, TIN) or using the list of requests popular in your region.
Please note that not all payments can be connected to the service! If you did not find the required organization in the list, then, most likely, it is impossible to activate auto payment.
For example, we searched for a bank by BIK (Rusfinance). In this example, connection of auto payment is possible. It remains only to fill in the fields with the required details and confirm the connection of the service:
Payment via mobile bank
To make a payment using the Mobile Banking service, you should first familiarize yourself with the list of commands and templates that are available in your region. To do this, we recommend that you go to the "Mobile Bank" section on the cover page of your account.
The Mobile Banking page contains full list phones connected to your cards, as well as a list of existing mobile templates. If there are none, they can be created on the basis of existing ones or completely anew.
It often happens that your templates do not appear in the list of available ones. This happens for a variety of reasons. For example, it is impossible to pay a loan from Post Bank, SKB-Bank or Baltic Bank. These providers are not listed as available for mobile payment.
When creating a new template in the mobile bank, it is important to consider this factor:
If your service provider is in the list of available ones, you only need to fill in the payment details and confirm the creation of the payment. In the future, for payment, it will be enough to send an SMS with the name of the payment to 900.
I can't pay the loan through Sberbank Online: what to look for
When making payments through the Sberbank Online service, it is important to carefully check the payment details. Most often, the inability to make a payment is associated precisely with incorrect data. Therefore, pay attention to all system warnings (they are highlighted with a red frame) that may appear in the upper part of the screen (above the line with a diagram of the payment stages) after clicking the “Continue” or “Confirm” button.
And also the inability to perform transactions may be associated with the conduct technical works on the bank's website. In this case, you need to wait a little and try again to pay the loan. If it does not come out again, call hotline bank and find out about the reasons for the impossibility of making payments.
Important to remember that if you, for example, wanted to repay your loan ahead of schedule, then you should carefully choose the account from which the payment will be made - there must be a sufficient amount on it. This is especially true for loans from other banks, since a commission may be charged when paying for third-party loans.