Security when using the fast payment system
Posted: Wed Feb 19, 2025 5:00 am
Payment via SBP is not always profitable - sometimes it leads to the buyer losing the right to receive cashback, bonuses for promotions and special offers.
You can choose any account to deposit funds into – moreover, if necessary, you can change it at any time in the same way.
There are also negative aspects: it is impossible to cancel the transfer, as the money is credited instantly. Therefore, all transactions remain irrevocable. However, it is very difficult to make a mistake. If you have already figured out how to transfer money through the SBP, then you know that money is not sent with one click. You need to enter a phone number, then you will see the recipient's name, sometimes - accounts in different banks to which you can send funds.
Important: citizenship does not matter. Even non-residents can germany mobile database use the service. The main thing is that the bank where they opened the account is connected to the system.
Limits and fees
They are set by the Bank of Russia and may change. At the time of preparation of the material, the following values are relevant:
up to 100 thousand rubles per month without commission;
above this amount – commission up to 0.5% depending on the amount, but not more than 1.5 thousand rubles;
the maximum amount of one transfer is 1 million rubles.
Tariffs largely depend on who exactly you are transferring money to. Transfers are not subject to commission if the recipients are companies, government agencies or stores. Therefore, the only risk of paying by QR code is the loss of potential cashback - provided that it was provided by the card issuer.
Please note: banks may set limits on the maximum amounts of transfers via the SBP at one time, per day or per month.
Simplicity often comes with risks. When developing the service, the Bank of Russia sought not only to reduce the financial burden on citizens, but also to protect them. However, it is important to remain vigilant. Do not forget about the basic safety rules:
Transfers are made by phone number, and the recipient's first and last name, as well as the name of the bank where his account is opened, serve as identifiers. No other information is required. If someone asks for them for a transfer, then most likely you are talking to scammers.
You can choose any account to deposit funds into – moreover, if necessary, you can change it at any time in the same way.
There are also negative aspects: it is impossible to cancel the transfer, as the money is credited instantly. Therefore, all transactions remain irrevocable. However, it is very difficult to make a mistake. If you have already figured out how to transfer money through the SBP, then you know that money is not sent with one click. You need to enter a phone number, then you will see the recipient's name, sometimes - accounts in different banks to which you can send funds.
Important: citizenship does not matter. Even non-residents can germany mobile database use the service. The main thing is that the bank where they opened the account is connected to the system.
Limits and fees
They are set by the Bank of Russia and may change. At the time of preparation of the material, the following values are relevant:
up to 100 thousand rubles per month without commission;
above this amount – commission up to 0.5% depending on the amount, but not more than 1.5 thousand rubles;
the maximum amount of one transfer is 1 million rubles.
Tariffs largely depend on who exactly you are transferring money to. Transfers are not subject to commission if the recipients are companies, government agencies or stores. Therefore, the only risk of paying by QR code is the loss of potential cashback - provided that it was provided by the card issuer.
Please note: banks may set limits on the maximum amounts of transfers via the SBP at one time, per day or per month.
Simplicity often comes with risks. When developing the service, the Bank of Russia sought not only to reduce the financial burden on citizens, but also to protect them. However, it is important to remain vigilant. Do not forget about the basic safety rules:
Transfers are made by phone number, and the recipient's first and last name, as well as the name of the bank where his account is opened, serve as identifiers. No other information is required. If someone asks for them for a transfer, then most likely you are talking to scammers.