Faster Payments System (SBP)

<!DOCTYPE html> <html> <head> <meta http-equiv="Content-Type" content="text/html; charset=UTF-8" /> <meta http-equiv="X-UA-Compatible" content="IE=edge,chrome=1"> <meta name="viewport" content="width=device-width, initial-scale=1, shrink-to-fit=no"> <meta name="format-detection" content="telephone=no" /> <meta name="zoom:lang" content="en" /> <meta name="zoom:last-modified" content="Wed, 07 Aug 2024 12:51:31 GMT" /> <title>Faster Payments System (SBP) | Bank of Russia</title> <meta property="og:image" content="/common/images/share-1.jpg" /> <link rel="stylesheet" type="text/css" href="/common/libs/jquery-ui/jquery-ui.min.css?v=v478607061" media="all">  <link rel="stylesheet" type="text/css" href="/common/style/main.min.css?v=v1327411044" media="all"> <script type="text/javascript" src="/common/libs/jquery-3.6.1.min.js?v=v478607061"></script> <script type="text/javascript" src="/common/libs/jquery-ui/jquery-ui.min.js?v=v478607061"></script> <script type="text/javascript" src="/common/libs/jquery.inputmask.min.js?v=v478607061"></script> <script type="text/javascript" src="/common/scripts/vendor.js?v=v907291152"></script> <script type="text/javascript" src="/common/libs/jquery.floatThead.min.js?v=v478607061"></script> <script type="text/javascript" src="/common/libs/popper.js?v=v478607061"></script> <script type="text/javascript" src="/common/libs/tippy.js?v=v478607061"></script> <script type="text/javascript" src="/common/scripts/main.min.js?v=v660978845"></script> <script type="text/javascript" src="/common/libs/localization-en.js?v=v478607061"></script> <script type="text/javascript" src="/js/jquery.cookie.min.js?v=v4260771145"></script> <script type="text/javascript" src="/js/site.js?v=v1395547681"></script> <script type="text/javascript"> $(function () { var $menu = $('[data-menu]'), $menuItemBtn = $menu.find('[data-menu-item-btn]'), $menuShow = $('[data-menu-show]'), $menuClose = $('[data-menu-close]'); var config = $menu.data('config'); $menu.find('[data-cms-wholesite-header-right]').html($('#header .header_right').html()); $menuShow.on('click.cms_loadwholesite', function (event) { loadWholeSite(true); }); $menuShow.on('mouseenter.cms_loadwholesite', function (event) { loadWholeSite(false); }); var xhr = null, g_openMenu = false; function loadWholeSite(openmenu) { g_openMenu = g_openMenu || openmenu; $menuShow.off('click.cms_loadwholesite mouseenter.cms_loadwholesite'); if (xhr === null) { $('.menu_wrap .networks-circle').html($('.networks-circle.footer_networks').html()); $('.menu_wrap .header_search').html($('.header .offsetMenu .header_search').html()); xhr = $.ajax(config.url, { dataType: "html", method: "get", success: function (html) { $('[data-cms-wholesite-placeholder]').replaceWith(html); $menu.find('.menu_tab[data-tabs-tab]').each(function () { var tab = $(this).data('tabs-tab'); $(this).toggle($menu.find('[data-tabs-content="' + tab + '"]').length != 0); }); $menu.trigger('new-html'); for (var i in config.catalogPath) { $menu.find('li[data-catalog-id="' + config.catalogPath[i] + '"]') .addClass("_active"); $menu.find('li[data-catalog-id="' + config.catalogPath[i] + '"]') .closest('[data-tabs-content]') .trigger('open-anchor'); } xhr = true; }, error: function () { xhr = null; } }); } } }); </script> <script> if (window.localStorage) { if (localStorage.getItem('vision-impaired')) document.getElementsByTagName('html')[0].className += ' vision-impaired'; } </script> <script> document.documentElement.style.setProperty('--scrollbar-width', '17px'); setTimeout(function () { var div = document.createElement('div'); div.style.overflowY = 'scroll'; div.style.width = '50px'; div.style.height = '50px'; div.style.visibility = 'hidden'; document.body.appendChild(div); var scrollWidth = Math.max(div.offsetWidth - div.clientWidth, 0.15); document.body.removeChild(div); document.documentElement.style.setProperty('--scrollbar-width', scrollWidth + 'px'); }, 0); </script> </head> <body>  <script type="text/javascript" > (function(m,e,t,r,i,k,a){m[i]=m[i]||function(){(m[i].a=m[i].a||[]).push(arguments)}; m[i].l=1*new Date();k=e.createElement(t),a=e.getElementsByTagName(t)[0],k.async=1,k.src=r,a.parentNode.insertBefore(k,a)}) (window, document, "script", "https://mc.yandex.ru/metrika/tag.js", "ym"); ym(5774506, "init", { clickmap:true, trackLinks:true, accurateTrackBounce:true, webvisor:true }); </script> <noscript><div><img src="https://mc.yandex.ru/watch/5774506" style="position:absolute; left:-9999px;" alt="" /></div></noscript>  <div class="header-print"> <div class="offsetMenu"> <div class="header-print_inner"> <img class="header-print_logo" alt="cbr" src="/common/images/logo.svg"> <ul class="header-print_contacts"> <li>12 Neglinnaya Street, Moscow, 107016 Russia</li> <li><nobr class="phone">8 800 300-30-00</nobr></li> <li>www.cbr.ru</li> </ul> </div> </div> </div> <header class="header" id="header"> <div class="top-line" data-top-line=""> <div class="offsetMenu"> <div class="col-md-23 offset-md-1"> <div class="top-line_inner header_inner"> <div class="row"> <div class="col-xl-5 col-md-9"> <div class="header_left"> <div class="header_menu" data-menu-show=""></div> <a class="header_logo_eng" href="/eng/"></a> </div> </div> <div class="col-xl-17 col-md-13 offset-md-1 header_block"> <div class="header_search"> <a class="header_search_btn" href="#" data-search-form-show=""> <div class="header_search_icon"></div><span class="d-none d-xl-block">Search</span> </a> </div> <div class="d-none d-md-block"> <div class="header_right"> <div class="header_lang"> <div class="header_lang_item"><a href="/Localization/SwitchLanguage?url=%2Feng%2FPSystem%2Fsfp%2F&from=en-CB&to=ru-RU">RU</a></div> <div class="header_lang_item _active"><span>EN</span></div> </div> </div> </div> </div> </div> </div> </div> </div> </div> <div class="offsetMenu"> <div class="col-md-23 offset-md-1"> <div class="header_inner"> <div class="row"> <div class="col-xl-5 col-md-9"> <div class="header_left"> <div class="header_menu" data-menu-show=""></div> <a class="header_logo_eng" href="/eng/"></a> </div> </div> <div class="col-xl-17 col-md-13 offset-md-1 header_block"> <div class="header_search"> <a class="header_search_btn" href="#" data-search-form-show=""> <div class="header_search_icon"></div><span class="d-none d-xl-block">Search</span> </a> </div> <div class="d-none d-md-block"> <div class="header_right"> <div class="header_lang"> <div class="header_lang_item"><a href="/Localization/SwitchLanguage?url=%2Feng%2FPSystem%2Fsfp%2F&from=en-CB&to=ru-RU">RU</a></div> <div class="header_lang_item _active"><span>EN</span></div> </div> </div> </div> </div> </div> </div> </div> </div> </header> <form class="search-form" action="/eng/search/" method="get" data-search-form=""> <div class="offsetMenu"> <div class="col-md-23 offset-md-1"> <div class="search-form_inner"> <div class="search-form_title">What do you want to find?</div> <div class="search-form_content"> <div class="search-form_block"> <div class="search-form_icon"></div> <div class="search-form_field"> <input name="text" type="text" placeholder="Start typing" data-search-form-input="" /> </div> </div> <div class="search-form_btn"> <button class="b-btn _blue" data-search-form-btn="">Search</button> </div> </div> </div> </div> </div> </form> <div class="menu_wrap" data-menu="" data-config="{"catalogPath":[22446,19302],"url":"/Catalog/SiteMap/GetWholeSiteHtml?blockId=59192"}"> <div class="offsetMenu"> <div class="header_menu _close menu_close d-none d-md-block" data-menu-close=""></div> <div class="header_inner top-line_inner d-block d-md-none"> <div class="row"> <div class="col-xl-5 col-md-9"> <div class="header_left"> <div role="button" tabindex="0" aria-label="Close menu" class="header_menu _close" data-menu-close=""></div><a class="header_logo" href="/eng/"></a> </div> </div> <div class="col-xl-17 col-md-13 offset-md-1 header_block"> <div class="header_search"></div> </div> </div> </div> <div class="menu row" data-tabs="data-tabs"> <div class="menu_quick col-md-7"> <div role="tablist" class="menu_quick_tabs"> <a role="tab" id="menu_tab_Activity" aria-controls="menu_content_Activity" aria-selected="true" class="menu_tab _active" href="#" data-tabs-tab="Activity">Activity</a> <a role="tab" id="menu_tab_FinancialMarkets" aria-controls="menu_content_FinancialMarkets" aria-selected="false" class="menu_tab" href="#" data-tabs-tab="FinancialMarkets">Financial markets</a> <a role="tab" id="menu_tab_Documents" aria-controls="menu_content_Documents" aria-selected="false" class="menu_tab" href="#" data-tabs-tab="Documents">Documents and data</a> <a role="tab" id="menu_tab_AboutBank" aria-controls="menu_content_AboutBank" aria-selected="false" class="menu_tab" href="#" data-tabs-tab="AboutBank">About Bank of Russia</a> <a role="tab" id="menu_tab_Services" aria-controls="menu_content_Services" aria-selected="false" class="menu_tab" href="#" data-tabs-tab="Services">Services</a> </div> <div class="menu_quick_links"> <div class="phones"> <a class="menu_phone_val" href="tel:+74993003000"> <div class="plus">+</div>7 499 300-30-00</a> <a class="menu_phone_val" href="tel:88003003000">8 800 300-30-00</a> </div> <div class="inner_links"> <a href="/eng/news/" title="Events">Events</a> <a href="/eng/contacts/" title="Contacts">Contacts</a> <a href="/eng/sitemap" title="site map ">Site map</a> <a href="/eng/about/" title="About the Site ">About the Site </a> </div> <div class="networks-circle"> <a class="networks-circle_item _yt" href="https://www.youtube.com/user/BankofRussia" title="Youtube"></a> <a class="networks-circle_item _tg" href="https://t.me/centralbank_russia" title="Telegram"></a> </div> </div> </div> <div class="d-md-none link-above"> <div class="header_right" data-cms-wholesite-header-right=""> </div> </div> <div class="menu_content_container col-md with-centered-loader" data-cms-wholesite-placeholder=""> </div> </div> </div> </div> <main id="content"> <div class="offsetMenu "> <div class="container-fluid"> <div class="col-md-23 offset-md-1"> <div class="breadcrumbs"> <div class="breadcrumbs_item"><a class="breadcrumbs_home" href="/eng/"></a></div> <div class="breadcrumbs_item"> <a href="/eng/Psystem/">National Payment System</a> </div> </div>  <h1><span class="referenceable">Faster Payments System (SBP)</span> </h1> <div class="intro"> <div class="intro_icon-wrap"> <div class="intro_icon" style="background-image: url('/StaticHtml/File/140355/sbp_eng.svg');"></div> </div> <div class="intro_title">The Faster Payments System (SBP) is a service that allows individuals to make interbank transfers using a mobile phone number. It operates 24/7/365. Transfer fees are either low or zero. More than 200 banks, including the largest ones, are already connected to the system. SBP users can receive payments from organisations and pay for purchases using QR codes or other instruments.</div> </div> <div class="landing-text"> <style type='text/css'> /*<![CDATA[*/ .vrez { background-color:#ebebeb; } *{ box-sizing:border-box; } .sbp_img { margin-right:30px; width:300px; } .b-marquee { font-family: 'Segoe UI', sans-serif; white-space: nowrap; overflow: hidden; background: #333; color: #fff; padding: 10px; position: relative; margin-bottom: 10px; } .b-marquee__text { -webkit-animation: animMarquee 5s linear infinite; animation: animMarquee 5s linear infinite; } @-webkit-keyframes animMarquee { 0% { -webkit-transform: translateX(0); transform: translateX(0); } 100% { -webkit-transform: translateX(100%); transform: translateX(100%); } } @keyframes animMarquee { 0% { -webkit-transform: translateX(0); transform: translateX(0); } 100% { -webkit-transform: translateX(100%); transform: translateX(100%); } } /* text right to left*/ .b-marquee--rtl {} .b-marquee--rtl .b-marquee__text { -webkit-animation: animMarqueeRtl 5s linear infinite; animation: animMarqueeRtl 5s linear infinite; } @-webkit-keyframes animMarqueeRtl { 0% { -webkit-transform: translateX(100%); transform: translateX(100%); } 100% { -webkit-transform: translateX(0%); transform: translateX(0%); } } @keyframes animMarqueeRtl { 0% { -webkit-transform: translateX(100%); transform: translateX(100%); } 100% { -webkit-transform: translateX(0); transform: translateX(0); } } /*]]*/ </style><p>SBP was jointly developed by the Bank of Russia and the National Payment Card System (NSPK). The Bank of Russia is the operator and settlement centre of SBP, and NSPK acts as the operations and payment clearing centre.</p> </div> <div class="dropdown"> <a aria-controls="DropDown_content" aria-expanded="false" class="dropdown_title referenceable" data-zone-code="/block140362/zone" id="a_140362" role="button" tabindex="0"><img src="/StaticHtml/File/103850/sbp_1.svg" class="sbp_img"">Using a phone number to transfer money via SBP</a> <div id="DropDown_content" role="region" aria-labelledby="a_140362" class="dropdown_content"> <div class="landing-text"><p>In order to transfer money between your and/or another person’s accounts in different banks using a mobile phone number, the sender’s and recipient’s banks need to be connected to SBP. </p> <p>The transfers are executed via mobile applications or online banking (please contact your credit institution for more information). </p></div><div class="steps landing-text"> <div class="col-md-7 step "><img class="step_img" src="/StaticHtml/File/140364/sbp_11-1.svg" /> <div class="step_info"> <div class="title_20 step_info_number">1</div> <div class="col-md-5 body-2 step_info_text">Open your bank’s application and select the SBP transfer option. </div> </div> </div> <div class="col-md-7 offset-md-1 step "><img class="step_img" src="/StaticHtml/File/140364/sbp_11-2.svg" /> <div class="step_info"> <div class="title_20 step_info_number">2</div> <div class="col-md-5 body-2 step_info_text">Enter the recipient’s phone number. If you transfer money between your own accounts, enter your phone number. </div> </div> </div> <div class="col-md-7 step "><img class="step_img" src="/StaticHtml/File/140364/sbp_11-3-1.svg" /> <div class="step_info"> <div class="title_20 step_info_number">3</div> <div class="col-md-5 body-2 step_info_text">Select the recipient’s bank. </div> </div> </div> <div class="col-md-7 step offset-md-1"><img class="step_img" src="/StaticHtml/File/140364/sbp_11-4.svg" /> <div class="step_info"> <div class="title_20 step_info_number">4</div> <div class="col-md-5 body-2 step_info_text">Enter the transfer amount. </div> </div> </div> <div class="col-md-7 step "><img class="step_img" src="/StaticHtml/File/140364/sbp_11-5.png" /> <div class="step_info"> <div class="title_20 step_info_number">5</div> <div class="col-md-5 body-2 step_info_text"> Check payment details and confirm the transfer. </div> </div> </div> </div> </div> </div> <div class="dropdown"> <a aria-controls="DropDown2_content" aria-expanded="false" class="dropdown_title referenceable" data-zone-code="/block140365/zone" id="a_140365" role="button" tabindex="0"><img src="/StaticHtml/File/103850/sbp_2.svg" class="sbp_img"">Using QR code for making a purchase</a> <div id="DropDown2_content" role="region" aria-labelledby="a_140365" class="dropdown_content"> <div class="landing-text"> <p>You can use your smartphone, tablet or computer to pay for purchases via mobile applications of banks connected to SBP. </p> <p>Before paying, make sure the seller supports this payment method. </p> </div><div class="steps landing-text"> <div class="col-md-7 step "><img class="step_img" src="/StaticHtml/File/140367/sbp_2_1.svg" /> <div class="step_info"> <div class="title_20 step_info_number">1</div> <div class="col-md-5 body-2 step_info_text"> Open your bank’s application and select the SBP transfer option. </div> </div> </div> <div class="col-md-7 offset-md-1 step "><img class="step_img" src="/StaticHtml/File/140367/sbp_2_2.svg" /> <div class="step_info"> <div class="title_20 step_info_number">2</div> <div class="col-md-5 body-2 step_info_text"> Scan the QR code with your device’s camera. </div> </div> </div> <div class="col-md-7 step "><img class="step_img" src="/StaticHtml/File/140367/sbp_2_3.svg" /> <div class="step_info"> <div class="title_20 step_info_number">3</div> <div class="col-md-5 body-2 step_info_text">Check the payment details, including the recipient and the amount, and confirm the transaction. </div> </div> </div> </div> </div> </div> <div class="dropdown"> <a aria-controls="DropDown3_content" aria-expanded="false" class="dropdown_title referenceable" data-zone-code="/block140358/zone" id="a_140358" role="button" tabindex="0"><img src="/StaticHtml/File/103850/sbp_3.svg" class="sbp_img">Using a phone number to receive payments from organisations </a> <div id="DropDown3_content" role="region" aria-labelledby="a_140358" class="dropdown_content"> <div class="landing-text"><p>A legal entity can transfer money to a customer identified with a phone number via SBP. The mechanism is used to make payments or refunds for purchases made earlier. <p>The transfer is possible if the sender’s and recipient’s banks are both connected to SBP. </div> </div> </div> <div class="dropdown"> <a aria-controls="DropDown4_content" aria-expanded="false" class="dropdown_title referenceable" data-zone-code="/block140360/zone" id="a_140360" role="button" tabindex="0"><img src="/StaticHtml/File/103850/sbp_4.svg" class="sbp_img">Fees</a> <div id="DropDown4_content" role="region" aria-labelledby="a_140360" class="dropdown_content"> <div class="landing-text"> <h3>Bank fees for clients </h3> <p>Transferring funds between customers: </p> <ul> <li>up to 100,000 rubles a month can be transferred free of charge; </li> <li>if money transfers exceed 100,000 rubles a month, a bank fee may not be over 0.5% of the transfer amount and over 1,500 rubles per transaction. </li> </ul> <p>СBanks cannot set daily transfer limits lower than 150,000 rubles. </p> <h3>Bank fees for business </h3> <p>Fees do not exceed 0.7% (or 0.4% for certain types of merchants). </p> <p>Small and medium-sized enterprises can receive reimbursement of the fees paid for SBP transactions in the period from 1 July 2021 to 31 December 2022. </p> <h3>Fees for banks </h3> <p>Fees for transferring funds from individuals to legal entities and vice versa range from 0.05 to 3.0 rubles. </p> </div> </div> </div> <div class="responsible-unit"> <div class="responsible-unit_text">Department responsible for publication: <a href="/eng/about_br/bankstructute/dnps/">National Payment System Department</div> </div>  <div class="page-info">  <div class="page-info_helpful" data-page-feedback="" data-feedback-url="/Content/PageInfo/RegisterFeedback">  <div class="helpful" data-helpful=""> Was this page useful? <div class="helpful_btns"> <button class="helpful_btn _yes" data-helpful-btn="yes"><i class="helpful_icon"></i><span>Yes</span></button> <button class="helpful_btn _no" data-helpful-btn="no"><i class="helpful_icon"></i><span>No</span></button> </div> </div>  </div> <div class="page-info_last-update">Last updated on: 07.08.2024</div>  </div> </div> </div> </div> </main> <footer class="footer" id="footer"> <div class="offsetMenu"> <div class="footer_main"> <div class="col-md-23 col-xl-22 offset-md-1 offset-xl-2"> <div class="footer_top"> <a class="footer_logo_eng" href="/eng/"></a> <div class="footer_up gotoUp"> <div class="footer_up_title">Up</div> <div class="footer_up_icon"></div> </div> </div> <div class="footer_contacts"> <div class="footer_address">Bldg V, 12 Neglinnaya Street, Bank of Russia, Moscow, 107016 Russia</div> <div class="footer_phones"> <div class="footer_phone"><nobr class="phone"><a class="footer_phone_val" href="tel:88003003000">8 800 300-30-00</a></nobr></div> <div class="footer_phone"><nobr class="phone"><a class="footer_phone_val" href="tel:+74993003000">+7 499 300-30-00</a></nobr></div> </div> </div> <div class="footer_main_block"> <div class="footer_left-menu"> <div class="footer_left-menu_item"><a href="/eng/about_br/irp/">Investor Relations</a></div> <div class="footer_left-menu_item"><a href="/eng/other/holidays/">Public Holidays in Russia</a></div> </div> <div class="networks-circle footer_networks"> <a class="networks-circle_item _yt" href="https://www.youtube.com/user/BankofRussia"></a> <a class="networks-circle_item _tg" href="https://t.me/centralbank_russia" title="Telegram"></a></div> </div> <div class="footer_menu"> <div class="footer_menu_items"> <div class="footer_menu_item"><a href="/eng/about/">About the Site</a></div> <div class="footer_menu_item"><a href="/eng/contacts/">Contacts</a></div> <div class="footer_menu_item"><a href="/eng/development/">Technical resources</a></div>  </div> <div class="footer_menu_item _visually-impaired"><a href="#" title="Mode for visually impaired"><span class="visually-impaired-on">Mode for visually impaired</span><span class="visually-impaired-off">Regular version</span></a></div> </div> </div> </div> <div class="footer_bottom"> <div class="col-md-23 col-xl-22 offset-md-1 offset-xl-2 row"> <div class="footer_bottom_text col-md-12 col-xl-11">© Bank of Russia, 2000–2024.</div> <div class="footer_bottom_aic col-md-11">Design by <a href="https://aic.ru" target="_blank"><img src="/common/images/icons/aic-logo.svg" /></a></div> </div> </div> </div> </footer> <div class="popup-cookies" data-popup-cookies> <div class="popup-cookies_title"> The Bank of Russia website uses cookies </div> <div class="popup-cookies_subtitle"> By using <a href="/eng/">www.cbr.ru</a>, you accept the <a href="/eng/user_agreement/">User Agreement.</a> </div> <button class="btn _medium _blue " data-popup-cookies-btn> Accept </button> </div>  <script src="/Modules/Content/Scripts/PageInfo.js?v=v3116962712" type="text/javascript"></script> <script type="text/javascript"> $(function () { Content_PageInfo.init($('[data-page-feedback]')); }); </script> </body> </html>

CINXE.COM

Faster Payments System (SBP) | Bank of Russia