How to pay alimony through Sberbank online

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 money through Sberbank

Today, you can pay monthly penalties using Sberbank. The advantages of such payment have long been appreciated by the majority of payers and recipients. The advantages of Sberbank payment are the following:

• efficiency;
• reliability;
• convenience;
• profitability;
• small time period.

How to pay alimony through Sberbank

The law requires timely payment of child support, so a parent with child support obligations must find a way to fulfill them regularly and on time. It is beneficial to pay alimony through Sberbank for a number of reasons:

• There are Sberbank branches in every district of the city and in rural areas;
• transfers can be made to any region of the country;
• alimony through Sberbank is documented using checks or receipts, which eliminates the occurrence of unfounded claims for non-payment;
• Sberbank has terminals and ATMs and can accept cash through a cashier operator;
• payments reach the recipient within 72 hours.

Increasingly, clients independently carry out transactions through Sberbank online. This service can be used while at home on a personal computer online - in real time.

We pay child support through a mobile application

Through the convenient Sberbank Online service, millions of payers throughout Russia make alimony payments in a much more simplified manner. Here are convenient step-by-step instructions: how to transfer alimony to a Sberbank card using this service:

Stage No. 1 - you will need free access to the service. To do this, you need to activate the “Mobile Bank”, which allows you to receive codes confirming banking transactions. Through this, you can obtain a login and password for using Sberbank - Online:

Stage No. 2 is directly entering the service. To enter, the payer must have a PC (or mobile Internet) with the ability to access the Internet. This will allow you to go to the main page of Sberbank. While on this page, you need to enter your password and login in the authorization field.

Stage No. 3 – after correctly entering the password and login, an SMS message will immediately be sent to the linked phone number. In it you will find a confirmation code. Please remember that, for security reasons, you are only allowed to enter the received code for a limited time period.

Stage No. 4 – Having entered the “Personal Account” territory, you take the next steps in the tab called “Transfers and Payments”. Further selection is made depending on which bank the account is opened with the party receiving alimony. For example: if the alimony collector is a client of the same bank, then select the “Transfer to Sberbank client” item.

Stage No. 5 - then the alimony payer himself must:

• enter the account number of the recipient of the money;
• indicate the choice of account from which funds will be taken;
• Enter the amount of alimony.

Expert opinion

Viktor Evgenievich

Representative of a private law firm, work experience - 7 years

When making a payment, do not forget to indicate the purpose of the transfer in the appropriate field - alimony (the exact full name of the child) for a specific month.

The most convenient way to transfer money to a client of the same bank is then, when entering data, information about the recipient will be displayed on the screen: his name, patronymic and the first letter of his last name. This allows you to avoid many troubles and disagreements with bailiffs.

Stage No. 6 – all that remains is to take the final step: enter in a special field the confirmation code that you will receive on your phone via SMS, confirming the transfer details

Note! The convenience of paying alimony using the Sberbank Online service lies primarily in the fact that all information regarding the history of transactions is stored in the Personal Account. But, to be on the safe side, after paying alimony, you should still print out a check.

This method of paying alimony has one drawback. It lies in the fact that it can be very difficult to correctly identify the target purpose of the translation. Before sending money, it is wise to inform the recipient that the payment will be processed soon.

But, according to the latest statistics, it is not in widespread demand due to the fact that payers, thanks to widespread information, are wary of this application being hacked. Although, this fact has not been reliably confirmed.

Child support card

Alimony is paid exclusively for the maintenance of a minor. Therefore, any other expenditure of funds is a violation.

If the payer has information that the recipient is using the benefit for other purposes, then he can transfer alimony to the child’s card, but only by court decision.

At the same time, it is allowed that no more than 50% of the total amount can be paid in the name of a minor.

In order to transfer alimony to the child’s account, the payer must go to court with evidence that this will not worsen the financial situation of the minor at the moment.

The official will make a positive decision only if the interests of the child are respected. Thus, the remaining amount paid to the mother must fully cover the expenses of the minor, for which convincing arguments must be given.

The alimony payer is the legal representative of the child, and therefore has the right to independently open a current account in the name of the minor in order to transfer funds there.

The limit of 50% is set only on the amount of mandatory alimony that must be paid for the maintenance of the child.

The parent has the right to transfer any additional amount of money to the minor’s card.

When a court decision is made to pay part of the child support, the conditions for spending these funds may be specified.

Thus, a minor can withdraw money only with the permission of the guardianship authorities or the alimony payer himself.

In addition, the father has the right to demand a report on the expenditure of funds, but only if they relate to mandatory payments for child support.

If there is a court decision to pay alimony, the benefit can only be withheld from a salary card or other account replenished directly by the payer.

Benefits cannot be transferred to the recipient using a credit card. Family law states that funds for child support must be withheld from the salary or other income of the parent.

The loan does not count as income, as it is provided on a reimbursable basis by a banking organization. Therefore, alimony payments should not be deducted from a credit card, even if there is debt.

Online payment and its advantages

Payment of children's collections through Sberbank Online has a number of obvious advantages:

• there is no need to spend the payer’s personal time on bank registration and standing in queues;
• no commission when transferring alimony amount from account to account (the service is completely free);
• the ability to automate the payment process, provided that the required amount is available in the payer’s account;
• online payment transfer of alimony has a much shorter accrual period compared to cash;
• clear recording of all alimony transactions, with the ability to print both a separate payment order and the entire payment history.

Expert opinion

Elena Vladimirovna

Bailiff for the Petrogradsky district of St. Petersburg, work experience - 3 years

Note! Even if the account of the recipient of the children's money (mother) is registered in another bank, it is quite possible to transfer the money, but the only difference is that a commission for the banking transaction will be charged.

As a result of all the above advantages, this service has gained popularity among alimony payers.

More traditional payment methods

If the payer does not want to make a payment remotely, then he will have to go to the nearest Sberbank branch. Payment of alimony can be made using the terminal. In this case, you must enter all the necessary details very carefully and be sure to indicate the purpose of the payment.

In case of misunderstanding, you should ask the bank employees for help. You can also make a transfer through the bank's cash desk: but at present, Sberbank is making every possible attempt to reduce such payments to a minimum.

Via an ATM or self-service terminal

If there is a long line at the cash desks at a bank branch, then you can pay alimony using an ATM or terminal. Here is a sample of the steps required for this:

1. Insert the payer's card into the machine, wait a few seconds while it scans the information.
2. Enter your password.

Start the transfer procedure (all payment devices have a clear video interface):

• select the “Money transfer” item in the “Menu”;
• activate the “To card” button;
• enter the card number of the receiving party. If you correctly enter the card number, the personal data of the baby’s mother will automatically appear: full name, tax identification number, etc.;
• indicate the required transfer amount;
• activate the “Pay” button.

Most importantly, do not forget to take a receipt: it is a document confirming the fact of payment.

You should know! This transfer has one significant drawback: it is possible to transfer money exclusively between Sberbank cards.

"Cash" at the bank

You can send an alimony payment in cash only through the cash register, by coming to a Sberbank branch in person. Cash payments are used by those who do not want (are unable) to delve into the nuances of online procedures, or are afraid of making a mistake when filling out the payment order details. The cashier will require from the payer:

1. Card details (or internal account of the receiving party).
2. Full purpose of the payment (to whom and for what the transfer is made).

If the payer is a bank client, then his personal data will be automatically pulled from the general client base. And if not, then the cashier will simply copy them from the passport page. If the payment is made between Sber cards, then you will not need to pay for the transfer.

How to prove that you paid child support in cash

If the former spouses reach an agreement, the method of transferring children's money is discussed jointly. If there was a court hearing and the judge made a decision, then the payer is obliged to try on the requirements of the writ of execution, taking into account all the rules prescribed by the court regarding the timing and method of payment.

A situation often arises when, even if alimony is paid in cash in good faith, the recipient still has to go to court with a claim for non-payment. In such a situation, the main opportunity to prove the correctness of payment payments is the presence of receipts. They are issued by the cashier at the cash desk after the transfer: they contain all the information on the size and direction of the transfer.

Expert opinion

Sergey Nikolaevich

Judge, judicial experience - 20 years

Important! Absolutely every payment made, made in cash or via online transfer, must indicate for what purpose it is intended. If the note “for alimony” is not included in the payment order, then the transfer is regarded only as financial assistance.

How to transfer child support to a child's account

What stages of registration do you need to go through in order to ultimately pay alimony to the individual account of a minor child, which he can use upon acquiring legal capacity.

Opening an account for a child

The first thing you need to start with is to open a bank account. This service for minor children is currently provided by any banking institution. You will be required to provide a standard package of documents, usually the child’s birth certificate, parent’s passport and TIN. The procedure takes only a few minutes, after which you will be able to receive an agreement for the provision of banking services, as well as a separate certified sheet with account details.

Since the child does not have the right to sign until he receives the passport, the contract is signed by the mother or guardian, but this does not mean that anyone other than the child can use this money.

We transfer the account details or passbook to the guardianship authorities

Now you need to contact the guardianship and trusteeship authorities to obtain their permission for this procedure. This is necessary so that in the future the guardianship employee controls the expenditure of funds from the account and the parent or guardian cannot use them. After a child reaches 14 years of age and receives a passport, he has the right to withdraw accumulated money only with the permission of the parent, and after 18 years of age - freely. Permission from the guardianship authorities is submitted together with all documents when applying to court.

We receive a writ of execution or court order

After the account has been issued and approval from the guardianship has been received, you need to apply to the court with a written application to change the order of alimony payments. If there are no problems with the documents and all the rules are followed, then the judge will make a decision within a few days, which will set the percentage of alimony payments from the total amount that will go to the account. If the alimony payer is officially employed, then the writ of execution is transferred by the bailiff to the accounting department of the enterprise. From the day the decision comes into force, the responsible employee transfers the established amount of alimony to the child’s account, and the difference, as before, to the card of the mother or guardian. The same thing happens when concluding a peaceful alimony agreement. If the alimony payer is not employed, then the modified procedure for alimony payments is carried out by him independently under the control of the bailiff service.

Commission and limits

The commission that a banking organization withholds from an individual. person should be paid not from children's money, but from the sender's account, which exceeds the amount sent. The amount of the commission fee depends on: the method of performing the transaction, the place of registration of the payer, etc.

Important! Cash transactions into social accounts cannot be subject to fees. But at the same time, a state fee is charged if the transfer is made to the card of the recipient who lives in another locality.

In case of making an alimony payment directly at the bank office, a commission of 1.5% of the transfer amount is charged. If you transfer alimony online, 1% will be withheld from the payer. For non-cash transfers of children's money carried out between holders of Sberbank plastic cards, no commission is charged.

When transferring cash to a recipient who lives in the same city as the payer, the recipient will pay a commission fee of 1.75%; for transfers between cities – 1.75% must be paid by the sender.

Partial or full payment of child support to the child's account

Despite the fact that Article 60 of the Family Code defines the procedure according to which no more than 50% of the total amount of alimony can be transferred to the personal account of a minor dependent, many are interested in whether it is possible to pay alimony to a savings book or account in full?

How to transfer part of the child support to the child’s account

Half or less of the total amount of alimony may be transferred when the applicant of this request is the alimony payer. He cannot demand a larger part, since the mother with whom the child lives also participates in the maintenance of the baby and, if the amount is too cut for free use, the interests of both her and the child will suffer. That is, the part of alimony that can be sent to the personal account of a minor depends on the total amount of financial assistance assigned for alimony and how much it covers all the needs of the child. To carry out these actions, you must go to court or agree with the second parent to sign a notarial alimony agreement, which will indicate all the legal nuances.

If the court prohibits paying 50%, but the father wants a specific amount of alimony to still be transferred to the child’s account, and he could use it after the age of 18, then he can simply transfer an additional amount that will not be related to alimony. But the child will be able to use it along with the accumulated alimony amount, for example, to get an education or buy useful things.

How to transfer all child support payments to a child's account

Despite the restrictions in the law regarding a certain part of the alimony money paid to the dependent’s account, there are a number of exceptions when their amount can be more than half or even 100%.

1. Notarial voluntary agreement. If alimony is paid by mutual agreement between the parents without going to court and its procedure is fixed by a notarial agreement, then the mother and father can, at their own discretion, establish a part or the full amount that will go to the child’s account. The agreement also stipulates the amount of payments, frequency, responsibilities of the parties, etc. If in the future the parents change their minds regarding this alimony order, the notary makes new changes and, after certification, they come into force. If one of the parents disagrees with this order of transfers, he can appeal it in court, providing his copy of the original agreement.
2. When a child lives in a foster family or is under guardianship.
3. When the child is fully supported by the state - a boarding school, orphanage.

The last two cases refer to those family situations where a parent is deprived of parental rights, dies, is declared legally incompetent, is in prison, or goes missing. You need to understand that a child will be able to fully manage the accumulated money only after the age of 18, and when receiving a passport at 14 years old, he can partially spend it with the consent of the parent.

Summary

Alimony payments are made both on a voluntary basis and under compulsion, on the basis of a court order. The alimony payer can make payment in three options: by personally transferring funds “hand-to-hand” to the baby’s mother (it will be difficult to prove the fact of payment), sending via Russian postal services, or making a convenient non-cash transfer to the recipient’s card.

In this case, Sberbank Online comes to the rescue: reliable, efficient and cost-effective. It offers convenient auto payment, which is especially important for constantly busy fathers working in business and on frequent business trips. Do not forget that the method of receiving alimony money is determined by the person receiving it.