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What is SBP?

1. What is the SBP (Fast Payment System)

SBP is a system that allows you to transfer money instantly by phone number. It was created by the Bank of Russia together with the National Payment Card System. You can transfer money to a friend knowing only his or her phone number, and it doesn't matter which bank he or she is serviced by. It works round the clock, even on weekends and holidays.

Advantages

Quickly

Money comes in seconds

Convenient

All I need is a phone number

Reliably

Developed by the Central Bank of the Russian Federation

It's almost always free

up to 100,000 ₽ per month

2. What you need to start using the BPS

  1. Smartphone and banking application (Sber, Tinkoff, VTB, etc.)
  2. A linked phone number (it must be active and attached to your account)
  3. The BPS function is enabled (normally active by default)

Check in the bank settings: "SBP" or "Quick Payment System".

3. How to connect the BPS (if it does not work)

If the BPS is disabled, do the following:

  1. Go to the bank's app
  2. Find the "BPS", "Services" or "Payments" section.
  3. Switch on the "Receive transfers by phone number" option
  4. Specify the account to which the money will be sent
  5. Confirm via SMS or fingerprint

4. How to transfer money via SBP

  1. Go to your banking app
  2. Click "Transfers" → "By phone number" → "Via SBP".
  3. Enter the recipient's number (+7...)
  4. Confirm the name and bank of the recipient
  5. Indicate the amount and comment (if necessary)
  6. Confirm the transfer - it's done!

5. How to accept a transfer via SBP

  1. You must have a bank account and an app
  2. The phone number is linked to the bank and is active
  3. The recipient simply enters your number - and the money comes instantly

No links or maps are needed. Notification comes within a couple of seconds.

6. What to do if errors occur

The transfer's not going through

Check if the BPS is enabled in the application

The money didn't come through

Check the number is correct and wait 5-10 minutes

The bank takes its own commission

Check your bank's limits (usually up to 100,000 ₽ free of charge)

Beneficiary bank is not defined

The number may not be linked. Have the recipient check the settings

7. Safety rules for the use of the BPS

  1. Never give out codes from an SMS - even if the "bank" is calling
  2. Don't click on strange links - especially from messengers
  3. Check the recipient's name before sending money
  4. Enable in-app security - by code or fingerprint
  5. Don't store data on your phone without protection

8. Translation example and checklist

Example:

Ivanov I. I. translates 1 500 ₽ Petrova A. A. by number +7 999 123 45 67 via SBP to Sberbank. All confirmed in 3 seconds - the transfer is complete.

Pre-transfer checklist:

  1. Did you make sure you got the right phone number?
  2. Do you see the recipient's name?
  3. Are you sure you're not over the limit?
  4. Have you checked that you're using SBP and not a card transfer?