Who owns the number 900. A new SMS fraud scheme from Sberbank

The Mobile Banking service provides customers with the ability to use messaging to complete inquiries and banking transactions. SMS commands are sent to Sberbank to number 900 - so you can find out about the transactions made, the balance of your card account (even if you have several plastics), just transfer money to another card and make payments.

SMS service provides quick access to banking operations directly from the phone

If you want to use the number 900, then the first thing to do is to find out if you have activated the Mobile Banking service and for which cards it works. It is very easy to do this - the phrase HELP is sent to 900:

Sending HELP to check the connection to the service

If the service is not connected, then there are two options for how to quickly fix it: you can contact any branch or you can do it yourself through an ATM.

We connect the service

We talk in detail about which mobile bank tariff to choose in our article on this topic.

Now let's move on to the description of the main short commands for 900.

Simple requests to Sberbank to number 900

To get information about your account, transactions or available services, you need to use certain phrases, for which there are several options.

Balance inquiry

Most often, each client requests information about the balance. This allows you to control your expenses and notice the actions of scammers in a timely manner. The request is made like this: BALANCE, BALANCE or code 01. After the word, put a space and enter 4 characters from the digital combination of the card (last). The response message contains information about the balance of this account.

Here's what it looks like:

This is what a balance request looks like

The bank's response will be something like this:

Response decoding:

Getting information on your cards

With the help of short phrases, you can find out which customer cards are connected to the service in order to understand the possibility of using this method of managing an account with them. The format in this case looks like this: HELP, INFO, INFO, SPRAVKA, INFORMATION, 06. The client will receive a message in which all user cards with an active Mobile Bank will be indicated (the bank's response is described in more detail in the previous section of this article).

Type of message Help (is the Sberbank card connected to the services of number 900)

Checkout, blocking and unblocking

The following requests are also available to the client:

Get a list of transactions carried out recently on the client's account: HISTORY or STATEMENT and numbers of plastic. You can also use similar wording, typed in Latin letters or the numbers 02. (More in the article about).

This is how the message HISTORY (mini-statement) looks like

Decryption of a message with transaction history

Block (suspend) Mobile Banking: BLOCKING THE SERVICE, analogue in Latin letters or 05. It should also be clarified on which plastic to perform the suspension, in connection with which its last 4 digits should be indicated through a space.
Activate the service back: UNLOCK SERVICES.
Block the card if it is lost or there are other difficulties. The message contains the word BLOCKING in Russian or Latin letters or short variants: BLOCK, 03 . After the space, the numbers from the card and the check digit-code are indicated, which explains the reason why the client wants to perform the operation.

How to block a lost card

Confirmation that the payment instrument is blocked

Blocking instruction

It should be clarified that the unlocking procedure is available only in the department. This option is not available remotely. But the speed with which, if necessary, you can block, is very convenient.

If you forgot the last 4 digits of the plastic, then you can first send the phrase HELP - you will see the last four digits of each of your Sberbank cards (to which the service package is connected), and then block the necessary plastic.

But in order to make sure that you did everything correctly, or in case of problems with the procedure, you can always contact the bank by phone -555-55-50.

Independent execution of transfers and payments

Mobile Bank commands to Sberbank via SMS to 900 also allow you to perform banking procedures without contacting employees and specialists of the institution. In particular, you can send money, pay for services, repay credit obligations, etc.

Command to pay for your phone

Most often, the Mobile Bank is used to replenish your cell phone account. It is enough to indicate in the message only the amount written in numbers. This amount will be debited from the card account and sent to the phone connected to the service.

How to pay for communication services

If you have an alert service connected to several cards and want to pay the operator's bill from a certain plastic, you can specify its last four digits with a space after the amount.

Paying for your phone using plastic

You can pay for the day in the amount of ₽

How to pay for someone else's phone

By a similar principle, you can replenish the telephone balance of your relative or friend. In this case, you will need to indicate the word TEL, enter directly the digital combination of plastic and indicate the size in ₽.

The formulation of TEL in the simplest version

And just like when paying for your phone, you can use the additional indication of a specific plastic for transferring money.

Additionally, a card for debiting funds is indicated

You can create and save templates for paying for services to companies or transferring funds to individual accounts. Then it will be easier to perform actions according to the literal values of the template.

Various options for sending to replenish the balance

Fraud Protection

If you leave your smartphone unattended, then it will be enough for an attacker to deprive you of the maximum daily amount for replenishing cellular services - 3000 ₽. Sometimes for a while you want to protect yourself from this kind of fraudulent attacks and turn off the so-called "Quick Payments".

To turn off the possibility of transferring or withdrawing money, you need to send one of the words: ZERO, NULL.

Transfer to a card by phone number

In Sberbank, SMS commands to number 900 mean a transfer to an individual, a company from the list of bank partners or legal entities. persons according to details. Messages are formed according to the following principles:

You can transfer money to a client, knowing his phone number (not accounts) in this form: TRANSLATION (TRANSLATE or analogues in Latin letters), phone, amount. The transfer limit is limited to 8 thousand rubles per day.

Transfer by recipient's phone

Transfer from the plastic of your choice to the recipient's plastic

A confirmation message will protect you from a possible mistake

Payments for the services of various companies. You should look in the list of banking institution codes for the letter abbreviations assigned to companies. This is what you need to specify when submitting. After the gap, the personal account, contract number or other parameter of identifying the client in this organization, the amount for payment and the digital combination of the card are noted. The limit is 10 thousand rubles.

Transfers and payment for services

Rules for making transfers to the account of the organization Letter codes of organizations can be viewed on this tab on the official website

Billing payments are made according to the following template: beneficiary code, payer code, month for which the payment is made and card number. This procedure requires confirmation. This happens as standard according to the code in the response message.

Type of message for billing payments

Billing payment instructions

Repayment of credit obligations: CREDIT, borrower's account, amount and card.

This is what loan repayment looks like

Instructions for repaying a loan

It is worth clarifying that the limits for a number of the listed operations will be higher if you use self-service devices or Internet banking. When paying or transferring the amount through the cash desk of the branch, usually there are no restrictions. Such rules are conditioned by security measures, which allow to increase the level of protection of money in the client's account.

If you want to participate in charity, you can donate any amount to the Give Life Foundation. It is enough to enter the following values in the message: PRESENT LIFE or GRANTLIFE, the amount of the donation and the last figures of the plastic. The action is limited to 10 thousand rubles.

Sberbank mobile bank commands via SMS to 900 will help speed up any transactions and are available almost anywhere (where there is a cellular signal) and at any time.

Conclusion

Today it is hard to imagine your life without a mobile phone: it is not only used as a communication between people, but is gradually turning into a tool for conducting various banking operations. For their implementation, a whole system of short messages is provided, the convenience of which can be appreciated by anyone.

Number 900 - what is the contact? The question arises quite often, and it will not be superfluous for customers, as well as users of other banking structures, to know the answer to it so as not to be fooled by the tricks of scammers.

So, 900: whose phone is this - who is calling from it? First of all, you need to know that the short number 900 is the phone number of the service remote customer service of Sberbank. Therefore, do not worry and suspect any fraud. Another thing is that all requests that come to your mobile should be checked for legitimacy - you need to ensure that only the actions you have performed are confirmed.

Why is this contact necessary? The thing is that if you are a Sberbank client, you almost certainly use SMS-informing (in other words, a mobile bank). This service sends messages.

Within the framework of the “Full” or “Economic” tariffs, SMS can be received for the following reasons:

crediting funds to the account balance;
cash withdrawal;
making a payment by card;
one-time code to confirm any transactions;
account arrest;
notification of the availability of personal offers from the bank.

In fact, this is a necessity that is dictated by the desire to secure client money. Mobile banking may not be connected, but it is very reckless - especially in the context of making transactions remotely.

Important! The notification and confirmation system is now the norm for all financial institutions.

Note 1. SMS always have the same format. At the beginning of the message are the name of the payment system of the plastic used and the four extreme digits of the card number. Followed by informative text.

Standard notification type: VISA ****1111 …- instead of units there will be the last digits of your card number, and in place of the ellipsis there will be a message (about debiting money, crediting it, requesting confirmation, etc.).

Call to number 900

This phone has the function not only of sending messages by the bank, but also of connecting the client with the call center operator.

You can call as 900 , so on +7 495 500 5550 . The first contact is for free communication on the territory of the Russian Federation. The second is for calls from abroad (at the price set by the tariff of the mobile service provider).

Other destination

900 is used for two more types of actions:

sending SMS commands;
USSD requests.

These are similar possibilities. SMS apply to request:

account balance;
the number of bonuses;
the last ten transactions on the card;
credit card information;
transfer by phone or card numbers;
payment for mobile communications, etc.

The full list can be viewed on the official website of Sberbank.

USSD are performed to:

find out the balance
pay for your or someone else's phone;
transfer funds, etc.

Information about the service can be viewed.

Fraud

Consider the situation when an SMS message from Sberbank came to the mobile. Sometimes an advertising mailing from this organization is confused with a fraud attempt. Indeed, Sberbank from time to time can send, for example, personal offers for its customers from the number 900 - open a deposit, apply for a loan, etc.

If you received a notification about an operation that you definitely did not do, contact the hotline operator. Usually it turns out that this is a system error, a failure.

The main thing - do not rush to confirm any actions in response to SMS from mobile banking. Check carefully what is being said.

Important! If someone called you and introduced himself as an employee of Sberbank, pay attention to the number of the incoming call. Anything other than 900 and +7 495 500 5550 is not related to this organization.

You can view Sberbank contacts on this page of the official website.