Reading 5 min. Views 2.7k. Published on 10.10.2018

All transactions for the transfer of funds correspond to certain tariffs that set the percentage of commission for each transfer. These rates depend on the currency, the amount of the payment, the method of the transaction and many other factors. This article will tell you what the commission of Sberbank is for transferring funds to legal entities, how the transfer can be made, and who falls under the concept of "legal entity".

What methods of money transfer does Sberbank offer?

Like most modern banks, Sberbank offers three types of service. Namely:

1. Through an ATM. Everyone can transfer a sum of money to a legal entity through a bank terminal. To do this, you only need the details of the organization to which you are going to send money. Thanks to the option "Money transaction" you can send money not only to legal entities, but also to individuals and individual entrepreneurs.
2. Through Sberbank Online. Internet banking also makes it possible to manage the movement of your funds, but it has its limitations. For example, you cannot transfer funds in foreign currency via the Internet without opening an account, for this you will have to turn to bank employees for help. If you need to make a quick, small transaction, then the Sberbank Online application is perfect for this purpose, since it has the shortest time to process requests and transfer requests.
3. Through a bank branch. To transfer large amounts, it will be most reliable to contact Sberbank employees who will be able to correctly complete this operation. To carry out a transaction, you will need the recipient's account number, the name of the organization, its BIC and TIN. It is worth noting that this is the most time-consuming method, but at the same time the safest and most reliable.

Commission charged

At large banks, such as Sberbank, a commission for a transfer to a legal entity from individual recalculated regularly to match the economic situation in the country. This article provides data relevant for 2018.

Fees vary depending on the method of conducting the transaction, depending on the amount of money, the reason for the money transfer and on the availability of an open account. Keep in mind that in different regions they may vary slightly depending on the conditions that local offices add to the basic fare rules. However, this applies only to transactions conducted through bank branches through employees. Bank terminals and online banking are subject only to the rules established by the head office.

According to the documents of Sberbank, legal entities include commercial organizations, tax institutions, funds, utility providers and telecom operators. These institutions are divided into three groups according to tariffs:

• organizations, tax and off-budget funds;
• utility service providers with whom a cooperation agreement has been concluded;
• telecom operators.

Note! For each of these groups, Sberbank sets a separate commission for different ways translation.

When transferring money from a card

This way is possible when using Internet banking. Namely:

1. For any money transfers, Sberbank Online has set a single percentage equal to 1% of the transfer amount, but it should not exceed 500 rubles. An important note is that this rule applies only to ruble transfers.
2. Currency transactions are carried out at a commission of 1% of the amount, but it should be within the range of 15 to 200 dollars.

When transferring from an account

The most profitable way to send money from an account to a legal entity is through an ATM. They are processed faster than transactions through a bank branch, and thanks to them you can transfer a larger amount with a lower commission.

1. If the recipient is commercial organizations, tax and funds, then the mandatory additional payment will be from 1-3% of the payment amount, while its maximum amount is limited to 2000 rubles.
2. When withdrawing money through an ATM, legal service providers are paid a commission under the same conditions.
3. If the payment goes to telecom operators, then the amount of the commission is 2.5% of the amount of the payment, and is in the range from 5 rubles to 2 thousand.

For cash payments

It is advantageous to make cash transactions through ATMs and through bank branches. It is especially wise to send large sums of money in this way. Features are as follows:

1. For transfers, commercial organizations and funds will have to pay an additional 2-3% of the amount without exceeding the threshold of 2 thousand rubles. This is a generally established rule, however, some branches of Sberbank in large cities raised this limit to two and a half thousand, which greatly disappointed their customers.
2. Transfers to utility providers are made on general requirements, so the commission is standard - 1-3% of the payment amount, also without exceeding 2 thousand.
3. Operations with telecom operators are carried out at a commission equal to 2% of the transfer, although its minimum cannot be less than 5 rubles, and the maximum is more than 2 thousand.
4. Currency transfers between individuals, utility providers and operators are not possible.

To speed up transactions, Sberbank strongly advises its customers to make large money transfers only from accounts. Firstly, this way you get a smaller commission percentage, and secondly, transactions between accounts are processed much faster than transactions without an account.

Conclusion

Let's summarize. Sberbank has calculated acceptable interest rates that will not hit your wallet hard with every banking operation. Commissions are approximately similar, differing only in minimal features, such as the lower payment threshold. It is worth noting that Sberbank actively promotes transactions via the Internet, and therefore the percentage for them is the lowest. In addition, the upper limit of the tariff for transferring money through the site is on average four times less than with any other method, which allows you to save even more.

Sberbank: salary project and tariffs for legal entities The salary project at Sberbank is a mutual benefit for all its participants: managers and owners, employees and the bank. This project includes a set of services:

• Settlement and cash services.
• Transfer of funds from / to the card.
• Cashing out money at an ATM.
• Remote banking.
• Package service for "Premier" and "First" executives.

Most of the services within the project are free.

Sberbank rates for legal entities

We send these 6 digits in the text of the message back to number 900. Transfers to accounts of legal entities To make transfers to an organization's account, it is not necessary to open an account with Sberbank, however, the transfer fee will be lower if you pay for services from your account through an ATM or Sberbank Online.

Transfers Without opening an account From an account Through the cash desk of a branch Through an ATM / terminal Through a cash desk of a branch Through an ATM / Sberbank Online To the budget and state funds 3%, min 30 rubles, max 2500 rubles.

2%, min 10 rub., max 2000 rub. 2%, max 1500 rub. 1%, max 500 rub. For housing and communal services 2%, min 30 rubles, max 2500 rubles. 0.9%, min 10 rub., max 1000 rub.
1.5%, max 1500 rub. 0.5%, max 500 rub. For electricity 2.5%, min 25 rubles, max 2500 rubles. 1.5%, min RUB 10, max RUB 1000
2%, max 1500 rub. 1%, max 500 rub.

Attention

For communication and internet services 2.5%, min 10 rubles, max 2500 rubles.

2.5%, min 5 rub., max 2500 rub.

The question is what are the commissions and tariffs for money transfers at Sberbank?

Card Type Annual Service Terms Classic Visa card 750 rubles 1st year, then 450 rubles CC Aeroflot 900 rubles 900 rubles 1st year, then 600 rubles CC Podari Zhizn 1000 rubles 1st year, then 450 rubles Card with Troika transport application 900 rubles 1- 1st year, further RUB 600 MasterCard Youth Card RUB 150/year Visa Gold Card RUB 3,000/year Social MIR card free of charge Instant Visa card free of charge or 60 rubles per month).

Important

The service allows you to receive real-time information about receipts and debits from the account, as well as make transfers and payments using special commands sent to 900.

Sberbank commission for transferring money to another bank

Transfers from card to card The movement of funds from one Sberbank card to another is very simple and in most cases free of charge (no commission).
Money is credited to the account within a few seconds if an ATM, the Sberbank Online platform, a mobile application or the 900 service are used to complete the transaction.
A fee of 1% of the amount of the transfer (but not more than 1000 rubles) is charged only if the cards are issued in different regions.

You can transfer money for free if the cards have one owner, for example, from a debit card to a credit card.

You can make a transfer in one of the following ways:

1. Through an ATM. To transfer, you need a card, you need to insert it into an ATM, select the "Payments and transfers" option, then go to the "Funds transfer" tab and enter the necessary data.
2. Through Sberbank Online.

Transfer of money from an individual to a legal entity through Sberbank

The presented tariff is valid throughout the country. The cost of Internet banking Internet banking from Sberbank allows all interested clients of a financial institution to pay utilities and accounts, open more profitable deposits, replenish an account, pay taxes, fines, set up auto payments, and so on.
At the same time, the bank takes a certain fee for the service, goods and services provided. Basically, such a fee is a percentage of the amounts that appear in transactions.

However, for some services there is a specific rate.

For service, subscribers can connect the package that suits them - "Full" or "Economical". In the first case, the service fee depends on the type of customer's card.

Sberbank rates for individuals persons in 2018

Sign in Personal Area CO, select the option "Transfer to a Sberbank client". You can choose to make a transaction using a card or phone number. Fill in the required fields and enter the numbers from the SMS as confirmation.

• AT mobile application. Select the "Payments" option, then "Sberbank Client. To a card or account. Enter the initial letters of the recipient's name in notebook. If the phone number is not recorded, you can enter it manually, you can also enter the card number.

  When transferring to an account with Sberbank, you will need to enter all the details, including the full name, TIN of the recipient, BIC and Kor.

  bank account.

• By SMS command to number 900. It is enough to enter the text "TRANSFER [phone number] [amount in rubles]" and send an SMS to number 900. Sample text: "TRANSFER 9031234567 1000". In response, you will receive an SMS with a 6-digit confirmation code.

Banks raise fees for transfers to individuals

If you want to know the detailed conditions and the exact cost of operations, then it is best to contact the specialists at the nearest branch of a financial institution. For legal entities, tariff reductions are provided: collection using an automatic safe, an increase in the money supply, a reduction in the arrivals of collectors, and so on.

Tariffs for other Sberbank services for legal entities Sberbank offers big choice services for legal entities.

The financial institution provides modern and multifaceted services, which allows customers not to be distracted from their main affairs, and to carry out all financial transactions as quickly as possible.

Running any business involves the use of services and cooperation with banks. Services and products of banks allow you to control costs, solve various financial issues, pay wages, pay for the services of other companies and taxes, and much more. Considering all aspects of doing business in our country, many legal entities choose Sberbank as a partner.

There is a wide range of services and specialized offers, which makes it easier to work.

Sberbank tariffs for legal entities for transfers to individuals

Tariffs for cash services in Sberbank for legal entities under the project: ADVERTISING

• Release of "plastic" and annual maintenance - free of charge.
• Withdrawing money without exceeding the daily limit at the cash desks of the branches where the card was issued is free.
• Translations within the project are free of charge.
• The rate for using the credit limit is 20% of the amount spent.
• Penalty for delay in returning the limit - 40% of the amount spent.

It should be noted that a daily limit for free withdrawal of money is set for all base-level salary cards, which is 50 thousand rubles.

For "platinum" customers, this limit has been increased to one million.

Tariffs for legal entities for acquiring from Sberbank Acquiring - receiving system bank cards as payment for goods and services.

It involves the installation of terminals for reading "plastic" and debiting funds from it.

The commission for transferring payments can be recognized as unjust enrichment of the bank and additional taxation.

In accordance with paragraph 1 of Article 16 of the Law "On the Protection of Consumer Rights", the terms of the contract that infringe on the rights of the consumer in comparison with the rules established by laws or other legal acts of the Russian Federation in the field of consumer protection are recognized as invalid.

In accordance with paragraph 3 of Art. 16 of the Law "On Protection of Consumer Rights" the performer is not entitled to perform without the consent of the consumer Additional services for a fee. The consumer has the right to refuse to pay for such services, and if they are paid, the consumer has the right to demand that the contractor return the amount paid.

The establishment of a commission for the fulfillment by an LLC as well as by individuals of obligations to pay for services, pay for labor, reimbursement of expenses, etc., is not provided for by the norms of the Civil Code of the Russian Federation, the Law "On Protection of Consumer Rights", other federal laws and other regulatory legal acts.

Normative legal acts of the Bank of Russia cannot contradict the requirements of the Civil Code of the Russian Federation, in addition, on the basis of Article 3 of the Civil Code of the Russian Federation, in cases of their conflict with the provisions of the Civil Code of the Russian Federation, they cannot be applied.

Thus, the bank's actions to fulfill obligations to pay for services, pay for labor, reimbursement of expenses, etc., by virtue of paragraph 1 of article 16 of the law "On Protection of Consumer Rights", infringe on the rights of consumers established by law. And the terms of the contracts that establish a fee for these operations are invalid, since they contradict the requirements of civil law.

Carrying out mutual settlements between individuals and legal entities non-cash method is one of the most popular banking services today.

In the generally accepted sense, the bank commission is the amount that the bank charges from the client for any banking operations. The commission may be paid for issuing a loan, paying a check, withdrawing cash from an ATM, making a money transfer and other transactions.

All organizations, when opening bank accounts, pay a monthly commission for account maintenance, individuals also pay for the account maintenance service by opening bank card which is charged as an annual fee.

In fact, by charging a commission for transfers of funds from which taxes have already been paid, the bank charges a commission not only for servicing the account, but also for the very fact of having funds.

The provisions of the Law "On Protection of Consumer Rights" do not allow to impose on the consumer paid services. And article 10 of the said Law says that before the conclusion of the contract, the consumer must be informed of all amounts to be paid. Therefore, everything that will be required from the consumer in excess of the specified amount will be considered by the legislation as unlawful burdens on the consumer. This is the point of view of Rospotrebnadzor.
Thus, the commission for payment transfer transactions can be recognized as unjust enrichment of the bank

As a rule, opening a bank account is accompanied by additional payments: commissions for opening an account, commissions for maintaining an account, commissions for using an online bank. The law does not regulate these relations, in connection with which a stable practice of charging commissions has been formed in the banking environment due to freedom of contract (Article 421 of the Civil Code of the Russian Federation).

A credit institution usually appeals to this article of the Civil Code of the Russian Federation when challenging commissions by borrowers.

Under an independent service, due to the clarifications of the Presidium of the Supreme Arbitration Court of the Russian Federation (information letter of the Presidium of the Supreme Arbitration Court of the Russian Federation dated September 13, 2011 No. 146 “Review of judicial practice on certain issues related to the application of administrative liability to banks for violating consumer protection legislation under Review No. 146) and information letter of the Presidium of the Supreme Arbitration Court of the Russian Federation dated September 13, 2011 No. 147 “Overview of judicial practice in resolving disputes related to the application of the provisions of the Civil Code of the Russian Federation on a loan agreement” (hereinafter - Review No. 147), is understood as such a service, in the provision of which the borrower receives an additional property benefit or other beneficial effect. Such services cannot be standard actions of a credit institution, without which the bank is not able to properly fulfill the obligations assumed by the loan agreement. The court came to such conclusions based on the provisions of Article 779 of the Civil Code of the Russian Federation. If the commission is not an independent service, such a provision of the contract is void, and the commission charged is unjust enrichment.

In practice, the payment of this commission is not conditional on the provision of any services to the borrower, as a result of which the borrower could receive an independent property benefit. Under such conditions, the collection of such a commission is illegal, and the funds received by the bank are unjust enrichment. This, in particular, is indicated in paragraph 4 of Review No. 147.

The commission for the transfer of funds does not create any beneficial effect for the persons involved in the transfer, because taxes were previously paid from these funds, and therefore it is not a service and is subject to a refund .

Also, the bank receives an additional benefit from the presence of electronic money on the accounts, which replenishes the turnover.

Thus, due to the fact that the Ministry of Finance is actively promoting the transition to cashless payments, relevant legislative acts are being adopted, such as, for example, the “Regulation on the rules for transferring funds” (approved by the Bank of Russia on June 19, 2012 N 383-P) ( dated 11/06/2015) (Registered in the Ministry of Justice of Russia on 06/22/2012 N 24667, the state must ensure the protection of citizens as economically weak side legal relations that need special protection of their rights and who actually do not have the ability to determine the terms of transactions concluded with commercial banks, and are forced to accept obligations imposed by banks.

Reference:

• In 2013, banks earned 745.5 billion rubles on commissions from Russians, which is 16.4% more than in 2012. Sberbank is the leader in terms of fees collected, having received 212.8 billion rubles. Second place is occupied by Alfa-Bank with 35.1 billion rubles, and Russian Standard is in third place with 22.6 billion rubles. The top ten banks in terms of fees also include Renaissance Credit, Vostochny, VTB 24, TKS-Bank, Raiffeisenbank, Qiwi-Bank and MTS-Bank.
• On September 30, 2014, the Supreme Court of the Russian Federation refused to satisfy the claims filed by Sberbank of Russia OJSC to invalidate decision No. A4-9/12 and decision No. AP4-64/12 of the Tambov OFAS Russia.

Thus, on October 24, 2012, the Tambov OFAS Russia recognized OJSC Sberbank of Russia as violating Part 1 of Article 10 of the Federal Law “On Protection of Competition”.

It was established that Sberbank of Russia, when issuing cash from citizens' accounts, withheld a commission in the amount of 1% of the amount, the application of which was not agreed with the depositors.

Pursuant to Part 1 of Article 29 of Federal Law No. 395-1 of 02.12.1990 “On Banks and Banking Activities”, commission fees for transactions are set by a credit institution upon agreement with customers, unless otherwise provided by federal law.

These actions of the Bank in providing banking services to its depositors infringe on their interests. Considering that Sberbank of Russia occupies a dominant position in the market of services for opening and maintaining bank accounts in the Tambov region, its actions were recognized as violating antimonopoly laws.

For this violation, Sberbank of Russia was fined under part 1 of article 14.31 of the Code of Administrative Offenses of the Russian Federation in the amount of 562,500 rubles.

Arbitration courts of three instances confirmed the legitimacy of the antimonopoly authority.

An example of unreasonably incurred expenses

The salary of an individual is 30,000 rubles.

The amount of taxes paid by the employer to the Pension Fund of the Russian Federation (30%) 9,000 rubles.

The amount of personal income tax paid by the employee (13%) 3,900 rubles.

Bank commission for account maintenance + client bank + mobile payment + bank notification = 1500 rubles. on average per month + 25 rubles. (also on average) for each payment except taxes.

Thus, the organization bears the costs of servicing accounts and conducting operations, which is the income of the bank as a commercial organization..

And, in fact, the commission for the transfer of funds is a kind of tax on income, which is an additional taxation, in this case it is 300 rubles!

Taking into account the policy of the state to support small business as an independent systemic direction of the socio-economic policy of the state (Federal Law "On the development of small and medium-sized businesses in Russian Federation» dated July 24, 2007 No. 209-FZ, unreasonable commissions contradict this vector.

Meanwhile, small businesses, as an unstable business structure, most dependent on market fluctuations, need versatile state support.