Today you can pay for any services using bank transfers, which is very convenient. Through them you can make transfers both for government purposes and to third parties. Alimony through Sberbank is a simple operation, and it does not matter whether the payment is made in a forced or voluntary form, you just need to have a bank card with you.
Advantages of paying alimony through Sberbank
Sending money through the banking system is popular due to acceptable conditions for both parties. In most cases, they choose Sberbank, which has multiple branches throughout the country.
The advantages of transferring alimony and other payments through the Savings Bank are as follows:
- speed;
- stability;
- convenience;
- simplicity;
- efficiency.
There are sufficient numbers of Sberbank offices in every city. Even in regional centers and villages, operating cash desks have been installed. Availability is another criterion that plays an important role when choosing a particular bank.
Rules for processing money transfers
If alimony is ordered to be paid in court, then the writ of execution is sent to the place of work - to the accounting department.
Then a certain amount of money is collected monthly from wages. The accountant draws up a payment order. In the case of voluntary payment, on the basis of a peace agreement, during a certain period of time the alimony payer independently makes transfers. To do this, it is enough to know the account details of the person to whom the payment is intended. When the opposite party uses the services of Sberbank, it is easier to transfer directly to the card. Then the following information is required: plastic storage number and reference phone number, full name.
It happens that the transfer of alimony is not made by the father himself, but with his guarantee. Despite this, it is necessary to indicate the name of the alimony payer.
The legislative framework does not provide for the alienation of alimony obligations to third parties. In the event of controversial issues that are resolved in court, receipts that indicate the full name of the parent paying child support are accepted for consideration. The rest is regarded as financial assistance.
Sample application for transfer of alimony funds
If there is a legally formalized agreement between the former spouses, the recipient of the funds can submit an application to transfer payments through Sberbank to the card. Such a document is sent to the organization itself where the payer works or receives any income - these can be benefits, pensions, wages.
The application for transfer is issued in two copies, one of which is kept by the wife, and the second is sent to the enterprise, where they mark the positive decision and return it back to the applicant.
A sample application is drawn up as follows:
- the header of the document contains the recipient’s data: full name, address, contact number, as well as information about where and to whom the document is sent;
- the application can be drawn up in any form, and it must contain information that a specific debtor is obliged to pay alimony based on an agreement;
- information that the organization is obliged to withhold a percentage of the payer’s salary;
- a request is indicated that the applicant wishes to receive the withheld funds to a current account opened with Sberbank, indicating all details.=;
- the document is endorsed by the personal signature of the originator or his representative.
In this case, along with the application, you must attach a package of documents: a copy of your passport, a certified copy of the voluntary agreement, a bank statement with details for transferring funds.
Alimony transfer commission
The amount of the fee charged or the lack thereof depends on the type of alimony transfer:
- cash payment – no more than 1.75%, which is influenced by the territorial factor;
- enrollment to a Maestro social card or between SB clients within the same city is free;
- in cash, on non-resident SB cards - 1.5%, through the Online service - 1% (within 30-1000 rubles);
- to a third-party bank card – 2% (both sides).
Bank fees are borne by the party paying the alimony.
Controversial issues
Problems arise when the husband actually paid the money, but the wife claims that there were no transfers. In considering such disputes, Art. 107 of the Family Code. The wife must prove that she really approached the child’s father with a request to provide financial support, but the man ignored this request. The evidence is provided by letters and printouts of telephone conversations.
The payer can use a bank account statement as a bargaining chip. This financial document can confirm that he pays alimony.
Methods of payment and transfer of alimony through Sberbank
There are 3 main options for paying alimony through the Savings Bank:
- By depositing cash into the bank account of the opposite party.
- Automated transfer from card to card.
- Transfer through the bank's online service.
Cash register
To pay alimony remotely, you need to come to a banking branch with a passport.
A standard payment form is filled out, where the details are written down and the purpose must be indicated in the “Purpose of payment” column, with all the details. A certain amount of money is given to the cashier. It is possible to write off from a savings book, if one is open. This may be the entire amount or a partial amount by adding to the cash.
To confirm the transaction, a receipt is issued, which must be kept - this is a key document considered by the court in the event of controversial issues between the parties.
One disadvantage of such payment is a waste of personal time, as you often encounter queues. But if you don’t have a personal account, this is the only available option.
ATM or terminal
It is much more convenient to transfer funds through an ATM or terminal.
The main thing is that both parties have Sberbank cards. The transfer procedure does not take more than 5 minutes. Sequencing:
- Insert plastic into a special hole in the ATM. Dial your personal PIN code.
- In the menu, select the “Funds Transfers” item.
- Enter the digital combination of the recipient's card number.
- Enter the amount you plan to transfer.
- Indicate the purpose of the payment.
- Click on the “Pay” icon.
Be sure to wait until the receipt is printed.
Sberbank online: how to pay correctly and whether you need to print a receipt
Progress does not stand still, which also affected banking systems. Now, every Sberbank client has access to the service of independently managing their finances through their account on the Internet. This is convenient, since any transfers can be carried out without leaving home.
The first thing you need to do is get access to the service - activate your mobile account. It is enough to know your login and password, which are issued upon registration. It is not difficult to do this yourself or use the help of bank consultants.
To log into your personal online account, you will need a computer or mobile gadget with Internet access. Further instructions:
- Enter code data into the appropriate authorization fields. If you have problems with your password, you can recover it by clicking on the link below.
- To confirm the entered data, an SMS is sent to your phone. This code is entered into the browser line that appears.
- In your personal space, find the “Transfers and Payments” section. In the list of possible payment destinations presented below, they stop at “Transfer to a Sberbank client.” When another listing item is implied, the appropriate one is selected.
- In the tab that opens, fill out all the fields correctly, especially “Purpose of payment.” With this kind of registration, it is necessary to indicate in detail the details of the person to whom the alimony payments are intended: full name, age. Be sure to indicate for what time period the payment was made.
- After clicking “Confirm”, the code combination is sent to the phone again. It must be entered into a specific window on the screen.
The history of completed transactions is saved in the account archive, but it would be safer to immediately print out the receipt, which is provided by the service.
The convenience of the mobile service is that it is possible to automate the payment: they program a specific amount and date of transfer. Then, without the client’s personal intervention, the specified amount of money will be transferred monthly to a specific account. After completing the transaction, the payer receives a notification about the successful transaction.
Sberbank provides the opportunity to transfer money via mobile phone. But there is one important nuance - there is no possibility of entering a payment purpose. There is only a line where you write: account number and amount. If a conflict situation arises between the former spouses, it will be impossible to prove in court that the payment of alimony is correct. Such contributions are usually regarded as financial assistance.
What should you remember when receiving benefits on a plastic card?
The alimony payer-father must understand that the method of transferring money is determined by the party receiving the funds. The most convenient method for the mother is indicated in the executive document or in the agreement on the allocation of financial assistance to the child. If the method of receiving alimony on a bank card turns out to be convenient for the recipient, then in addition to the account opened with the alimony recipient, other conditions must be met. When signing an additional agreement on alimony, the paper must display:
- method of transferring funds (there should be a clarification that a bank card was selected);
- requisites;
- the amount of payment due and its frequency. The payer independently transfers funds without additional applications.
If the debtor is officially employed, the recipient of the money must provide an application indicating the payment card details. Knowing this data, the employing company will calculate the amount of deduction within a 3-day period after the payment of wages and send the money according to the details.
If the debtor does not officially work anywhere, the application will have to be submitted to the bailiffs (that is, to the FSSP).
For your information!
Costs arising from the transfer of funds to the card are subject to payment by the debtor.
Download a sample statement of claim for the collection of alimony
How long does the translation take?
Transfers through the cash desk, by depositing cash, have to wait from 3 to 5 days.
In this matter, it is more practical to use online transfers - payments to the recipient’s card are made in just a few minutes, or in extreme cases, a few hours. If money is transferred through a terminal or ATM, it arrives on the card within 24 hours. Whatever the method of paying alimony, be sure to take a receipt that contains all the information on the transaction: transfer period, amount, direction, recipient details and purpose.
This will serve as documentary evidence in court if the ex-spouse makes any claims in this matter. It is important to adhere to the requirements of the writ of execution and make payments on time. It is not recommended to break the specified amount into parts, but to transfer it in its entirety.
How to avoid problems
There is no need to prove that the man really agreed to pay if a payment agreement is concluded. It is better to sign a document once than to prove unofficial transfers later.
An official document will approve the procedure, timing and amount of payments. Plus, you need to be careful about collecting supporting documentation. It is necessary to save receipts for transfers and carefully fill out postal items.
You should not build relationships solely on trust. Caution must be exercised in financial matters.
2 actions to confirm the fulfillment of alimony obligations:
- Sign an agreement setting out the order of transfers.
- Maintain financial documentation supporting payments.
These simple steps will help maintain normal relations between the child’s parents and avoid disputes.
