Additional confirmation of bank transactions is an important precaution, but sometimes it can cause some inconvenience. For example, if you don't have a phone at hand. In this case, it is important to know how to make a transfer from card to card without SMS confirmation.
CONTENT
3-D Secure: How Does It Work? (scheme of work and comments of a specialist).
Why do you need confirmation at all?
Transfer from card to card without SMS password is now less common. Additional confirmation of the identity of the person initiating the transaction was introduced for a reason, but in order to increase the security of payments. Now that a large number of transactions are carried out online, enhanced measures to combat fraudsters are required.
Two-factor authentication is one such measure. An attacker can get your username and password (using trojans, keyloggers and other methods), but it is very difficult for him to intercept an incoming SMS message, because the latter are usually used as an additional protection measure.
The technology that uses SMS as a payment confirmation is called 3D-secure (it can also be written as 3-D Secure) - and at the moment it is supported by all major payment systems.
It is applied as follows:
Personal visit to the bank
If you have enough free time, the easiest way to transfer money from card to card without SMS confirmation is a personal visit to the bank. Identification of a person during a personal visit is carried out using identity documents, therefore SMS authentication will be superfluous.
When visiting a bank branch, the transfer procedure may vary somewhat depending on the credit institution you are visiting, but on average it will be as follows:
If you have contacted your bank, then, as a rule, additional steps are not required. If you make a transfer through a third-party bank that did not issue your plastic, then you will need to enter your PIN code on a special terminal.
Also note that, although transfers can often be made free of charge within one bank or partner network, a commission is often charged for making a transaction. It is better to clarify this point in advance with a bank employee.
Using an ATM
Another convenient method of transferring money from card to card without SMS is to use an ATM of your bank or, in some cases, an ATM of a bank that is part of a single partner network with your credit institution.
The procedure may differ slightly in different ATMs, but in general it looks like this:
Intermediary services
Some electronic payment systems allow money transfers in a simpler form - without SMS confirmation. An example is the popular Paypal system. To make a transaction in Paypal, it is enough to enter only the transfer amount and the email address of the person to whom the transfer will be made.
Of course, both the sender and the recipient must have their cards tied to their Paypal accounts, without prior registration nothing will work.
Similarly, you can transfer money from card to card without SMS confirmation online and through other electronic payment systems to which you can link a bank card.
When is confirmation not needed?
In some cases, SMS confirmation may not be required, even when the transaction is carried out in a standard way. It all depends on the bank and the banking product you use. Here are the options:
In some cases, confirmation may simply not be required - a number of banking products are released without support for 3D-secure technology, so a request for a transaction will not have to be confirmed. And sometimes it will simply be impossible to transfer funds from such a card to another card.
How to transfer funds from a bank card without SMS
Confirmation by SMS is not required when transferring funds through the terminals and cash desks of the bank. They also freely transfer money from one account to another in "Bank Online" and in the mobile application.
Templates and auto payments will work without SMS confirmation. They are created in terminals, in Sberbank Online and in a mobile application. It is possible to customize commands for making transfers to bank accounts and for paying for various services.
Login to "Bank Online" without SMS
They ask for a password to enter Internet banking, but this protection can be removed. The security option is disabled in Settings, in the Security and Access category. Here you need a section "Confirmation of entry into" Sberbank online ", where the tick in the line" Require a one-time password at the entrance "is removed. This action is confirmed by an SMS password.
Subsequently, to enter your personal account, you will not be prompted for SMS codes, but they will be required for a simple transfer, to create a template or auto payment.
Sample
Formation of the template involves a sequential transition through sections and links:
Next, they select the required type of template (between their accounts, on a card to a bank client, an individual to an account in another bank, and so on) and fill in all the required fields. The creation of the form is confirmed by an SMS password.
The template can be used without SMS, if after its formation you call the bank's call center and inform about your plans.
Auto payment
Auto payment can also help in cases when it is not possible to use SMS. The option is connected to self-service devices and to Sberbank Online.
To create an auto payment in your personal account, you need to go through the sections:
When creating a command, indicate:
Thanks to this scheme, it is possible to replenish the accounts of only bank customers, but it will also help to ensure regular transfers in equal amounts when it is not possible to use the phone.
How to pay for a purchase or service from a Sberbank card without SMS
SMS confirmation of purchases is not required if the transaction is performed in the terminal, that is, in the store.
Another option is to pay using Apple Pay, Samsung Pay, or Google Pay technologies. Then the corresponding application is downloaded to the phone, and the card form is scanned. When paying, neither telephone communication, nor the Internet, nor SMS are used.
Such applications are launched either by activating the corresponding icon on the phone screen, or by a special movement across the screen, for example, if you swipe up from the bottom, as for Samsung Pay. Authorization is carried out using a fingerprint or a password specified for this program.
Then it is enough to bring the phone to the payment terminal. Transactions are confirmed by entering the PIN-code of the card and the signature of its holder on the check.
Purchases for amounts less than some money, paid for using one of the described technologies, do not need to be confirmed. Without entering a pin code, 3 such operations are allowed.
Payment for purchases on the Internet is carried out only using 3D-Secure technology, which provides for confirmation of the legality of the transaction with an SMS code.
How to withdraw money from a card without SMS
You can get money from a bank card without SMS in any terminal or at the cash desk of a financial institution. If the cards are debit, then the service is provided free of charge in the machines of the issuers. If you use ATMs of other banks, including those located abroad, you pay a commission.
Similar conditions are also relevant for Sberbank debit cards. Receiving cash from credit cards of bank will cost 3.9% if you take cash from ATMs of this bank, and 4.9% if you use the resources of other organizations. The minimum commission, and the grace period is not valid.
Summing up
There are several relatively simple ways to make a card-to-card transfer without confirming the SMS code. They usually require a physical presence: using an ATM or visiting an office of your or a third-party lending institution.
But these are still more labor-intensive methods than using SMS. A set of multiple characters is a small price to pay for increased security and protection from fraud. Therefore, you should not neglect the 3D-Secure technology and similar ones. Alternative methods come in handy in cases where you really don't have access to your cell phone.
CONTENT
- Why do you need confirmation at all?
- Personal visit to the bank
- Using an ATM
- Intermediary services
- When is confirmation not needed?
- How to transfer funds from a bank card without SMS
- How to pay for a purchase or service from a Sberbank card without SMS
- How to withdraw money from a card without SMS
- Summing up
3-D Secure: How Does It Work? (scheme of work and comments of a specialist).
Why do you need confirmation at all?
Transfer from card to card without SMS password is now less common. Additional confirmation of the identity of the person initiating the transaction was introduced for a reason, but in order to increase the security of payments. Now that a large number of transactions are carried out online, enhanced measures to combat fraudsters are required.
Two-factor authentication is one such measure. An attacker can get your username and password (using trojans, keyloggers and other methods), but it is very difficult for him to intercept an incoming SMS message, because the latter are usually used as an additional protection measure.
The technology that uses SMS as a payment confirmation is called 3D-secure (it can also be written as 3-D Secure) - and at the moment it is supported by all major payment systems.
It is applied as follows:
- When you make a transfer to another card, you are redirected to a special page of your bank.
- On this page you need to enter the password that came to your mobile phone.
- If the password was entered correctly, the transaction will start.
Personal visit to the bank
If you have enough free time, the easiest way to transfer money from card to card without SMS confirmation is a personal visit to the bank. Identification of a person during a personal visit is carried out using identity documents, therefore SMS authentication will be superfluous.
When visiting a bank branch, the transfer procedure may vary somewhat depending on the credit institution you are visiting, but on average it will be as follows:
- You show your card to the bank employee.
- Next, you show your passport or other proof of identity.
- The bank employee verifies that the plastic really belongs to you.
- Next, you need to specify the data of the person to whom the transaction will be carried out - and the transfer will begin to be processed.
If you have contacted your bank, then, as a rule, additional steps are not required. If you make a transfer through a third-party bank that did not issue your plastic, then you will need to enter your PIN code on a special terminal.
Also note that, although transfers can often be made free of charge within one bank or partner network, a commission is often charged for making a transaction. It is better to clarify this point in advance with a bank employee.
Using an ATM
Another convenient method of transferring money from card to card without SMS is to use an ATM of your bank or, in some cases, an ATM of a bank that is part of a single partner network with your credit institution.
The procedure may differ slightly in different ATMs, but in general it looks like this:
- You insert the card into the device.
- Enter your confirmation PIN.
- Select the item "Transfers", "Payments and transfers" or similar.
- Enter the details of the recipient's card or his phone number if the bank supports transfers by phone number.
- Confirm the transfer (you may need to enter your PIN again).
Intermediary services
Some electronic payment systems allow money transfers in a simpler form - without SMS confirmation. An example is the popular Paypal system. To make a transaction in Paypal, it is enough to enter only the transfer amount and the email address of the person to whom the transfer will be made.
Of course, both the sender and the recipient must have their cards tied to their Paypal accounts, without prior registration nothing will work.
Similarly, you can transfer money from card to card without SMS confirmation online and through other electronic payment systems to which you can link a bank card.
When is confirmation not needed?
In some cases, SMS confirmation may not be required, even when the transaction is carried out in a standard way. It all depends on the bank and the banking product you use. Here are the options:
- When making a transfer, you will not be asked for an SMS confirmation, but a code from a special card with a protective layer, which was issued when a debit or credit card was issued. This card contains confirmation codes similar to those that would have come by SMS. Codes, as a rule, are numbered - and you need to enter the one that is under a certain number.
- When making a transfer, you will be required to enter the code printed at the ATM on the check. This is a method similar to the previous one, just some banks do not issue one-time codes on special cards, but allow them to be printed in a terminal or ATM.
- When transferring, confirmation is required using push notifications. This protection method may work with some mobile banking applications.
In some cases, confirmation may simply not be required - a number of banking products are released without support for 3D-secure technology, so a request for a transaction will not have to be confirmed. And sometimes it will simply be impossible to transfer funds from such a card to another card.
How to transfer funds from a bank card without SMS
Confirmation by SMS is not required when transferring funds through the terminals and cash desks of the bank. They also freely transfer money from one account to another in "Bank Online" and in the mobile application.
Templates and auto payments will work without SMS confirmation. They are created in terminals, in Sberbank Online and in a mobile application. It is possible to customize commands for making transfers to bank accounts and for paying for various services.
Login to "Bank Online" without SMS
They ask for a password to enter Internet banking, but this protection can be removed. The security option is disabled in Settings, in the Security and Access category. Here you need a section "Confirmation of entry into" Sberbank online ", where the tick in the line" Require a one-time password at the entrance "is removed. This action is confirmed by an SMS password.
Subsequently, to enter your personal account, you will not be prompted for SMS codes, but they will be required for a simple transfer, to create a template or auto payment.
Sample
Formation of the template involves a sequential transition through sections and links:
- "Personal menu";
- "My templates";
- "Template Management";
- "Create a template".
Next, they select the required type of template (between their accounts, on a card to a bank client, an individual to an account in another bank, and so on) and fill in all the required fields. The creation of the form is confirmed by an SMS password.
The template can be used without SMS, if after its formation you call the bank's call center and inform about your plans.
Auto payment
Auto payment can also help in cases when it is not possible to use SMS. The option is connected to self-service devices and to Sberbank Online.
To create an auto payment in your personal account, you need to go through the sections:
- "Personal menu";
- "My auto payments";
- "Connect auto payment";
- "Translations";
- "Transfer between your cards" or "Transfer to a client of Sberbank". In the latter case, either the recipient's phone number or his bank card number is indicated;
- fill in the required form fields and confirm by SMS.
When creating a command, indicate:
- the frequency of translations (once a week, a month, a quarter, a year);
- the date of the first transaction;
- the amount.
Thanks to this scheme, it is possible to replenish the accounts of only bank customers, but it will also help to ensure regular transfers in equal amounts when it is not possible to use the phone.
How to pay for a purchase or service from a Sberbank card without SMS
SMS confirmation of purchases is not required if the transaction is performed in the terminal, that is, in the store.
Another option is to pay using Apple Pay, Samsung Pay, or Google Pay technologies. Then the corresponding application is downloaded to the phone, and the card form is scanned. When paying, neither telephone communication, nor the Internet, nor SMS are used.
Such applications are launched either by activating the corresponding icon on the phone screen, or by a special movement across the screen, for example, if you swipe up from the bottom, as for Samsung Pay. Authorization is carried out using a fingerprint or a password specified for this program.
Then it is enough to bring the phone to the payment terminal. Transactions are confirmed by entering the PIN-code of the card and the signature of its holder on the check.
Purchases for amounts less than some money, paid for using one of the described technologies, do not need to be confirmed. Without entering a pin code, 3 such operations are allowed.
Payment for purchases on the Internet is carried out only using 3D-Secure technology, which provides for confirmation of the legality of the transaction with an SMS code.
How to withdraw money from a card without SMS
You can get money from a bank card without SMS in any terminal or at the cash desk of a financial institution. If the cards are debit, then the service is provided free of charge in the machines of the issuers. If you use ATMs of other banks, including those located abroad, you pay a commission.
Similar conditions are also relevant for Sberbank debit cards. Receiving cash from credit cards of bank will cost 3.9% if you take cash from ATMs of this bank, and 4.9% if you use the resources of other organizations. The minimum commission, and the grace period is not valid.
Summing up
There are several relatively simple ways to make a card-to-card transfer without confirming the SMS code. They usually require a physical presence: using an ATM or visiting an office of your or a third-party lending institution.
But these are still more labor-intensive methods than using SMS. A set of multiple characters is a small price to pay for increased security and protection from fraud. Therefore, you should not neglect the 3D-Secure technology and similar ones. Alternative methods come in handy in cases where you really don't have access to your cell phone.
