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Transfer from card to card – how to perform a card-to-card transfer?

A card-to-card transfer is a modern method of transferring funds that is becoming more and more popular. It allows you to transfer money quickly and conveniently without having to provide your bank account number.

How does this type of transfer work and what are its advantages?


Speed ​​and convenience

A card-to-card transfer allows you to instantly transfer funds without having to provide your bank account number. It's the perfect solution for urgent payments, both domestic and international.


Transaction security

Card-to-card transfers are secured with advanced technologies, such as data encryption and two-step verification. Thanks to this, the risk of fraud and theft is minimized, ensuring full security of user funds and data.


Flexibility and availability

Card-to-card transfers are supported by global card issuers such as Visa and Mastercard. This makes it possible to transfer funds between cards of different banks around the world, which increases the flexibility and convenience of this solution.


Costs and fees

Card-to-card transfers may involve different costs, depending on the bank or payment operator. It is worth familiarizing yourself with the table of fees and commissions to avoid unpleasant surprises. Some banks offer promotional conditions for premium card holders, allowing free transfers


A card-to-card transfer is a form of funds transfer that involves charging one payment card to top up an account linked to another payment card. Thanks to this solution, it is possible to quickly transfer money without having to provide the recipient's bank account number. You just need to know the recipient's card details, such as the card number, to complete the transfer.


These types of transfers are particularly useful in situations where you need to transfer funds quickly, such as for urgent overseas payments. A card-to-card transfer can be made both at home and abroad, which makes it a convenient tool for international financial transactions.


How does a card-to-card transfer work?

To make a card-to-card transfer, enter the recipient's card details and the transfer amount. Depending on the bank or payment operator, this process may be carried out via a mobile application, website or payment terminal. Once the transaction is approved, the funds are immediately transferred to the account associated with the recipient's card. Card-to-card transfers are supported by card issuers such as Visa and Mastercard, which ensures their wide availability and compatibility with various banking systems. This makes it possible to transfer funds between cards of different banks, which increases the flexibility and convenience of this solution.


Advantages of card-to-card transfers

Card-to-card transfers have many advantages that contribute to their growing popularity. First of all, they are fast and convenient. The funds are transferred to the recipient's account almost immediately, which is especially important in situations requiring urgent payments. Moreover, these transfers do not require providing a bank account number, which simplifies the process and increases the security of the transaction.


Another advantage is the possibility of making international transfers. Because card-to-card transfers are handled by global card issuers, it is possible to transfer funds to cards registered in different countries. This makes these transfers an ideal solution for people who travel frequently or make foreign transactions.


Security of card-to-card transfers

Security is a key aspect of any financial transaction, and card-to-card transfers are no exception. Card issuers and banks use advanced security technologies, such as data encryption and two-step verification, to protect users' funds and data. Thanks to this, the risk of fraud and theft is minimized. It is also worth remembering basic security rules, such as not sharing card details with third parties and using trusted devices and internet networks when making transfers. Compliance with these rules additionally increases the security of transactions and protects against potential threats.


How to make a transfer from card to card?

Making a card-to-card transfer is simple and intuitive. Depending on your bank or payment processor, the details of this process may vary slightly, but the general steps are usually similar. First, log in to the transaction website or mobile application and then select the card-to-card transfer option. After selecting the appropriate option, it is necessary to enter the recipient's card details, such as the card number and the transfer amount. In some cases, additional transaction confirmation may be required, for example via SMS code or biometric verification. Once the transfer is approved, the funds are immediately transferred to the account associated with the recipient's card.


Costs and fees related to card-to-card transfers

Card-to-card transfers may involve different costs and fees, depending on the bank or payment operator. It is worth familiarizing yourself with the table of fees and commissions applicable in a given bank to avoid unpleasant surprises. Fees may be charged as a fixed amount or as a percentage of the transfer value. Some banks offer promotional conditions for holders of premium cards such as gold or platinum cards, enabling them to make transfers from card to card without additional fees. It is worth checking whether your card qualifies for such promotions to take advantage of free transfers.


Credit card transfers

Credit card transfers are one of the options for making card-to-card transfers. However, it is worth remembering that these types of transfers usually involve additional costs. The standard fee that credit card holders must pay is a transfer fee, which may range from 2% to 10% of the transfer value, depending on the bank. Credit card transfers can be directed to your own account, the account of another person, company or organization, as well as to the account of ZUS or the tax office.


Credit card transfers – how does it work?

To make a transfer from a credit card, log in to the bank's transaction website or use the mobile application. Then select the credit card transfer option, enter the recipient's details and the transfer amount. Once the transaction is approved, the funds are transferred to the recipient's account and the appropriate charge appears on the credit card account. It is worth remembering that credit card transfers are treated as cash transactions, which means that interest is charged from the moment the transfer is made. Therefore, it is important to carefully consider the need to make such a transfer and familiarize yourself with the applicable fees and commissions.


A card-to-card transfer is a modern and convenient solution that allows you to quickly transfer funds without having to provide your bank account number. Thanks to the support of global card issuers such as Visa and Mastercard, it is possible to make transfers both at home and abroad. Following the safety rules and familiarizing yourself with the applicable fees allows you to take full advantage of the advantages of this type of transfers.

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