How to top up a bank card

How to top up a bank card: 9 proven methods

There are numerous ways to top up a bank card: in cash and non-cash. These options include: transfers from an account, another card, an electronic wallet, and topping up at a bank branch, Russian Post, or ATM. We will explain each method in a bit more detail.

We will analyze each method using specific organizations as examples. The top-up procedure at other banks differs only slightly. Therefore, you will have no trouble completing the procedure if your card was issued by another credit institution.

By transfer from an account opened with the same bank

The easiest way to top up your own bank card is to make an intra-bank transfer between your accounts. At Sberbank, this can be done as follows:

• log into your personal account in the mobile app or internet bank;
• select the "Payments" section in the main menu;
• click on the "Between Mine" menu item;
• select the debit account and the credit account, and specify the transfer amount;
• click the "Continue" button;
• verify the transfer details;
• click the "Transfer" button.

In this way, you can also top up your account using a card from another bank. In that case, instead of the debit account, you need to select "From a card of another bank", enter the card details, and then confirm the transfer.

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By transfer from another bank using the card number

To transfer funds from another bank, such as Otkritie, using the card number, you need to:

• log into your personal account in the mobile app or internet bank of the institution from whose account you want to debit the money;
• select the "Payments" section in the main menu;
• select "Card to card";
• select the debit account and enter the card number to receive the transfer, specify the payment amount;
• click the “Next” button;
• verify the transfer details;
• click the "Transfer" button.

You can find your Sberbank card number in your personal profile in the mobile app or online banking. To do this, tap on the required card, select "Details and Statements", and tap on "Card Information". 

By transfer from another bank using account details

To make a transfer from a card of another bank, such as Otkritie, using account details, you need to:

• log into your personal account in the mobile app or internet bank of the institution from whose account you want to debit the money;
• select the "Payments" section in the main menu;
• select "By details";
• select the debit account and enter the account details to receive the transfer, specify the payment amount;
• click the “Next” button;
• verify the transfer details;
• click the "Transfer" button.

You can also find your Sberbank account details in your personal profile in the mobile app or online banking. To do this, tap on the required card, select "Details and Statements", and tap on "Card Account Details". 

By transfer from another bank using the phone number

To make a transfer from a card of another bank, such as Otkritie, by phone number via the Faster Payments System, you need to:

• log into your personal account in the mobile app or internet bank of the institution from whose account you want to debit the money;
• select the "Payments" section in the main menu;
• select "By phone number";
• select the debit account, enter the phone number linked to the Sberbank card, select the recipient bank, and specify the payment amount;
• click the “Next” button;
• verify the transfer details;
• click the "Transfer" button.

By transfer from an electronic wallet

To make a transfer from an e-wallet, such as QIWI, you need to:

• log in to your personal profile in the mobile app or on the payment system's website;
• on the main page, select the "Payments and Transfers" section;
• select "Card Transfers";
• enter the card number to receive the transfer, select the debit account, and specify the payment amount;
• tap the 'Pay' button;
• confirm the transfer.

By transfer from a mobile phone account

To make a transfer from a mobile phone account, such as operator Yota, you need to:

• log in to your personal profile in the mobile app or on the mobile operator's website;
• in the main menu, select the "Money" section;
• select "Transfers" and "Card Transfer";
• enter the card number to receive the transfer and specify the payment amount;
• click the "Transfer" button;
• confirm the transfer.

Through an ATM with cash-in functionality

To top up a card via an ATM with cash-in functionality, you need to:

• find the nearest ATM — you can do this on the official Sberbank website or on map search engines;
• insert your bank card or tap it against the device if the ATM supports contactless service;
• in the main menu, select "Top up";
• insert the required amount into the cash acceptor;
• confirm the transaction.

At a bank branch

Topping up a card at a bank branch is as easy as pie. To do this, find the nearest branch on the map, visit it during business hours, and take an electronic queue ticket. Then, approach the teller, provide the transfer details, and deposit the required amount in cash or via cashless payment.

You will definitely need a passport to make the transfer.

At a Russian Post branch

Topping up a card at a Russian Post branch works similarly. To make the payment, you need to visit the nearest office of the organization, provide the bank card details, and deposit the required amount.

In this case, you will also need to provide a passport to verify your identity.

To summarize. There are many ways to top up a bank card, the simplest of which are transferring money from your own account or from a card of another credit organization by phone number. These options are free. You will have to pay a fee for topping up the card through other methods, in accordance with the tariffs.