transfer card bank

Banks began to introduce commissions for “pulling” money to the card of a third-party credit organization… Users on specialized forums report changes in tariffs at Alfa-Bank and OTP Bank. Izvestia got acquainted with their complaints. However, in “Alfa” they assured that they only conducted a pilot study of the tariff for a small number of customers. The introduction of commissions may be due to the fact that the Central Bank has tightened control over money transfers from card to card. However, experts are sure that additional fees are set by financial institutions solely for economic reasons..

We can’t pull out

In September 2021, on the Banki.ru forum, a client of OTP Bank reported that the credit institution introduced a commission for “pulling” money through the application of a third-party credit organization… According to him, this is a barrage commission, which the bank did not notify about, so it can be simply overlooked. Another forum user also reported a change in the tariff, adding that he received a push notification about the appearance of a commission.

Izvestia examined the website of OTP Bank. As of October 14, the commission for “transferring funds to accounts of other banks using remote banking services of other banks” was present in the tariffs of four out of five debit cards: it is 2%, but not less than 90 rubles. There is no information on the introduction of new commissions in the “News” section of the credit institution’s website… Izvestia sent a request to OTP Bank.

Photo: Izvestia / Alexey Maishev

Help “Izvestia”

“Pulling” money (pull-operation) is a replenishment of the card at the expense of money on another card issued in another bank (it is called a “donor”). For example, an operation is used to transfer funds from a salary card to the bank whose services a person uses more often. To do this, in the mobile application of the credit institution, on which the money should be, you need to go to a special section, enter the details of the “donor” card and the amount of the transfer. To confirm the transaction, the owner of the “donor” card will receive an SMS with a code.

Alfa-Bank introduced a similar commission for “pulling” money in early October… They complained about this on the VC.ru portal. One of the participants in the discussion said that he “stole” the money, but in the statement he found that a larger amount was written off in one payment… The representative of “Alpha” explained to him that the operation is regarded by the bank as “quasi-cash”. The user complains that there was no warning about an additional commission in the dialog boxes during the transaction. The author later added that Alfa-Bank returned the money debited as an additional fee.

The readers of Banki.ru, as well as another participant in the discussion on VC.ru, also spoke about the write-off of the commission. He clarified that he did not receive any notification of tariff changes from the credit institution either by mail or SMS.… The client, however, admitted that he could have missed the push notification. Alfa’s support told one of the Banki.ru commentators that from October 1, a commission is being introduced for replenishing cards of other banks from Alfa-Bank’s plastic: it will amount to 1.95% (at least 30 rubles).

In the description of tariffs on the website of “Alpha” there is no information about the paid “pulling” money… A commission of 1.95% (minimum 30 rubles) is charged for a transfer by card number to another bank. Izvestia also failed to find information on updating tariffs on the credit institution’s website. The private news page was last updated in July 2021.

alpha bank sign

Photo: TACC / Vedomosti / Andrey Gordeev

There is no commission for replenishing cards of other banks with Alfa-Bank cards, a representative of the credit institution told Izvestia. He said that a temporary pilot project was being carried out with the participation of a small number of customers in order to draw their attention to the domestic system of fast payments. (SBP).

Dangerous tariffs

Izvestia sent inquiries to major banks about whether they charge fees for pulling money together. Sberbank, Otkritie, Raiffeisenbank and Rosbank replied that this operation is free for customers. The commission in UBRD is about 1.5% of the operation, at least 50 rubles, the bank said. The Central Bank did not respond to an inquiry from Izvestia about tariffs for “pulling” money.

Recently The Central Bank seeks to tighten control over money transfers from card to card, recalled Pyotr Gusyatnikov, Senior Managing Partner of PG Partners Law Firm. In mid-September, the regulator published guidelines for identifying illegal or fraudulent P2P transfers. Later, according to media reports, the Bank of Russia asked credit institutions to report on the measures taken to identify “dropper” transactions, when fraudsters (including telephone ones) issue many cards, transfer money to them and then withdraw them. According to the lawyer, it is in the interests of the regulator to carry out transfers through the SBP, where it is easier to control them.

Raiffeisenbank believes that the commission will not directly affect the “drops” and the volume of such transactions. Limiting limits, developing internal anti-fraud systems and increasing the financial literacy of the population will help to fight more effectively against cybercriminals.… Otkritie has a different opinion: the introduction of commissions in combination with monitoring transactions and setting limits may have an impact on the number of “dropper” transactions.

fast payment system

Photo: Izvestia / Kristina Kormilitsyna

For fraudsters, there is no fundamental difference in the commission of 0% or 2%, says Mikhail Kogan, head of the analytical research department at the Higher School of Financial Management. In his opinion, the motivation of banks, which introduce a levy for “pulling”, is economic: they need to increase their fee and commission income.

By law, the client has the right to provide complete and reliable information about the cost of a particular service, including the amount of the commission charged by the bank., recalled partner of the Pen & Paper Bar Association Sergei Uchitel. He added that the law does not prohibit financial institutions from changing the terms of service and setting new fees or changing their size. However, he stressed: according to the legal position of the Supreme Court of the Russian Federation, the bank must obtain unequivocal consent from the client to change the terms of the contract.

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