Auto payments in Sberbank - a convenient tool for regular payments, but sometimes they become a source of unexpected charges. According to statistics Central Bank of the Russian Federation for 2023, more than 30% of bank customer complaints are related to unauthorized or forgotten auto payments. This article will help you figure out how to check them, disable them, or set them up again - without a visit to the department and unnecessary nerves.

We will consider all current verification methods: through mobile application, web version of Sberbank Online and even USSD commands for emergencies. We will pay special attention to hidden auto payments (for example, for Apple Music or Yandex Plus), which often go unnoticed. And at the end - answers to the most frequently asked questions and life hacks on how to avoid accidental write-offs.

1. Why is it important to check your auto payments regularly?

Automatic payments save time, but there are several pitfalls:

  • 💸 Hidden subscriptions: many services (for example, Tinkoff Pro or Megogo) automatically renew your subscription unless you cancel it in advance. Sberbank does not always show such payments in the main list.
  • 📅 Outdated services: You may have signed up for autopay for your gym membership a year ago, and now it charges you for the unused service.
  • 🔄 Double charges: If the system fails, the bank can withdraw the amount twice. According to Sberbank, such cases account for up to 0.3% of all auto payments.
  • 🛡️ Fraud: if someone else’s service is linked to your card (for example, after paying on a dubious site), attackers can set up regular debits.

According to Roskomnadzor, in 2023, every 5th Russian was faced with unauthorized write-offs on cards. Moreover, 60% of cases are related to auto payments, which cardholders forgot to turn off. Regular checks (at least once a quarter) will help avoid unpleasant surprises.

📊 How often do you check auto payments in Sberbank?
Once a month
Once a quarter
Only when I notice write-offs
Never checked

2. How to check auto payments through the Sberbank Online mobile application

The fastest way is to use the official application. The instructions are valid for versions Sberbank Online 12.0 and later (2026):

  1. Open the application and log in (by fingerprint, PIN code or password).
  2. On the main screen, tap on the icon "Payments" (cash bill icon at the bottom of the screen).
  3. Select section "My auto payments" — it is located at the top of the screen under the promotions banner.
  4. The system will show a complete list of active auto payments, grouped by category: Utility payments, Mobile communications, Subscriptions etc.

Pay attention to the column "Next payment" — the date and amount of the next write-off are indicated there. If you see an unfamiliar service, immediately proceed to disabling it (instructions in the next section).

Amounts of write-offs - are there any inflated tariffs?

Name of the service - are all the services familiar to you?

Does the next payment date coincide with the salary date?

Status (“Active”/“Suspended”) - are there any payments in the “Error” status -->

Important nuance: some auto payments (for example, for Netflix or Google Play) may not be displayed in the main list, but in the section Operation history. To find them:

  1. Go to Profile → Transaction history.
  2. Filter transactions by type Auto payment.
  3. Check payments for the last 3 months - sometimes services change the name in the statement.

3. Checking auto payments via the Sberbank Online web version

If you do not have a smartphone or the application is unstable, use the desktop version:

  1. Go to the site online.sberbank.ru and log in.
  2. Select from the top menu Payments and transfers → My auto payments.
  3. The system will open a table with all active and suspended automatic payments. There are advanced filters here: you can sort by date, amount or recipient.

In the web version it is convenient to export a list of auto payments to Excel:

  1. Click the button Export in the upper right corner.
  2. Select format XLSX or CSV.
  3. The file will be saved to your computer - you can open it in Excel or Google Sheets for detailed analysis.
Auto payment type Where is displayed in Sberbank Online How to disable
Utility payments (housing and communal services, electricity, water) Section “My auto payments” → “Utilities” "Disable" button next to the payment
Mobile communications (MTS, Beeline, Tele2) Section “My auto payments” → “Communication and Internet” Click on payment → “Delete”
Subscriptions (Netflix, Yandex Music, IVI) May be in “My Auto Payments” or in “Transaction History” Disable in your personal account of the service + in the bank
Loans and insurance Section "Loans" or "Insurance" A call to the bank or a visit to the branch is required
Charity Section “My auto payments” → “Charity” Pause or Cancel button

Attention: automatic payments for loans or mortgages cannot be disabled independently through Sberbank Online. To do this, you need to go to the department or call 900.

4. How to find hidden auto payments that are not in the main list

Some services (especially foreign ones) enable automatic payments via recurring payments — they are not displayed in the standard “My Auto Payments” section. To detect them:

  • 🔍 Check your transaction history over the past 6 months. Look for payments marked:
    • RECURRING or RECUR — sign of recurrent payment;
    • SUBSCRIPTION — subscription;
    • AUTOPAY — auto payment.
  • 📱 Check linked services in Google Play or App Store:
    • On Android: Settings → Google Account → Payments and subscriptions;
    • On iPhone: Settings → [Your name] → Subscriptions.
  • 💳 Use USSD command to check the latest debits: dial *900*01# and follow the voice menu instructions.

If you find a suspicious payment, but cannot disable it through your bank, contact service support. For example, to cancel a subscription Apple Music you need to write to support Apple, not Sberbank.

Examples of annoying auto payments

Service Tinkoff Pro automatically renews your subscription for 590₽/month, even if you haven’t used a Tinkoff card for a long time, but have linked it to Sberbank.

Yandex Plus can write off 299₽ monthly if you once activated the trial period and forgot to cancel. Megogo and IVI often enable automatic renewal of subscriptions without the user’s explicit consent (one payment is enough).

5. How to disable unnecessary auto payments: step-by-step instructions

The deactivation process depends on the payment type. Here is a universal algorithm:

  1. For standard auto payments (housing and communal services, mobile communications, fines):
    • In the mobile application: Payments → My auto payments → select payment → Disable.
    • In the web version: Payments and transfers → My auto payments → click on the three dots next to the payment → Delete.
  2. For subscriptions (Netflix, Spotify, Yandex Music):
    • First, cancel your subscription in your personal account;
    • Then delete the auto payment in Sberbank Online (otherwise the service may continue debiting).
  • For recurring payments (if there is no “Disable” button):
    • Call Sberbank support at 900;
    • Tell the operator: “I want to disable a recurring payment in the amount of [X] rubles in favor of [name of service]”;
    • Confirm deactivation via SMS.

    Important: After disconnecting, check the transaction history after 1-2 days. There are times when the bank does not have time to process the request, and the payment is repeated.

    💡

    If you cannot disable automatic payment through your bank, block the card temporarily (in the card settings there is an option “Block for 1 day”). This will prevent write-offs while you deal with the problem.

    6. How to set up notifications about auto payments

    To avoid missing a charge, enable SMS or push notifications:

    1. In the mobile application:
      • Go to Profile → Settings → Notifications;
      • Enable the option Auto payments;
      • Select notification method: Push, SMS or both options.
  • In the web version:
    • Go to Profile → Notifications → Notification settings;
    • Check the box next to Report auto payments;
    • Specify the amount threshold (for example, notify about payments over 500₽).

    Sberbank sends notifications for 1 day before write-off and immediately after it. If you haven't received a notification, check:

    • Is the number blocked? 900 on your phone;
    • Are there enough funds in the account for SMS (notification cost is 0₽, but sometimes operators block service SMS);
    • Is “Do Not Disturb” mode enabled in the smartphone settings?
    💡

    Even if you have disabled auto payment, check your transaction history after 30 days. Some services (for example, Wildberries or Ozon) can restore your subscription automatically.

    7. What to do if you discover a fraudulent auto payment

    If you find an unfamiliar service in the list of auto payments, follow the algorithm:

    ⚠️ Attention: Do not try to contact “service support” using numbers from the Internet. Fraudsters often create fake websites that pretend to support popular platforms.
    1. Disable auto payment immediately through Sberbank Online (if there is such an option).
    2. Call the bank by number 900 and report the unauthorized debit. The operator will block further payments in favor of this recipient.
    3. Dispute the payment:
      • In the mobile application: Transaction history → select payment → Dispute;
      • In the web version: History → Operation details → Dispute.

    Dispute period - up to 180 days from the date of write-off.

  • Change your passwords from Sberbank Online and linked mail. Use Kaspersky Password Manager or analogues for generating strong passwords.
  • Check devices, from which they entered the bank:
    • In the application: Profile → Security → Devices;
    • Remove all unfamiliar gadgets.

    If the amount written off exceeds 10,000₽, write a statement to the police (you can through portal of the Ministry of Internal Affairs). Attach screenshots of your transaction history and correspondence with the bank.

    8. Frequently asked questions about auto payments in Sberbank

    Is it possible to get a refund for autopayment if I forgot to turn it off?

    Yes, but only if:

    • The write-off occurred during the last 30 days;
    • You can prove that a service was not provided (for example, a gym membership that you did not visit).

    To return:

    1. Write a statement in support of Sberbank via chat in the application;
    2. Attach screenshots of correspondence with the service (if you tried to cancel your subscription);
    3. Please provide your return details.

    The review period is up to 30 days. Probability of return: ~60% for Russian services and ~30% for foreign ones.

    Why didn’t auto payment work even though there is money in the account?

    The reasons may be different:

    • 🔴 Insufficient limit: some auto payments (for example, for utilities) require an amount in the account 1.5–2 times morethan payment;
    • 🔧 Technical work at the bank or at the recipient (check the status on the website Sberbank);
    • 📵 Card blocking on suspicion of fraud (even if you did not block it);
    • ⏳ Card has expired, to which autopayment is linked.

    What to do:

    1. Check the payment status in the transaction history (it may be marked “Rejected”);
    2. Try making the payment manually;
    3. If it doesn't help, call support at 900.
    How to transfer auto payments to another Sberbank card?

    Transfer is only possible for certain types of payments:

    • ✅ Utility payments: disable auto payment on the old card and set it up again on the new one;
    • ✅ Mobile communications: similar - delete the old auto payment and create a new one;
    • ❌ Subscriptions (Netflix, Spotify): transfer is not possible - you need to cancel your subscription and re-subscribe;
    • ❌ Loans and insurance: A visit to a bank branch is required.

    Important: When transferring an auto payment to a new card, check that it has a sufficient limit (especially for utility payments).

    Is it possible to set up automatic payment for a specific date (for example, after payday)?

    Yes, but with restrictions:

    • For utility payments and mobile communications you can select any date in the interval 1st–28th;
    • For subscriptions the write-off date is set by the service (for example, Netflix always debits on the day of subscription);
    • For loans The date is fixed and can only be changed through the bank branch.

    How to change the date:

    1. In the mobile application: Payments → My auto payments → select payment → Change date;
    2. In the web version: Payments and transfers → My auto payments → click on payment → Edit.
    What happens if there is not enough money in the account for auto payment?

    The consequences depend on the type of payment:

    Auto payment type What will happen Fine/penalty
    Utility payments The payment will not go through and a debt will form. From 0.1% to 1% per day of the debt amount
    Mobile communications Communication services may be suspended Usually no, but the operator may impose restrictions
    Subscriptions (Netflix, Yandex Music) Access to the service will be blocked No, but subscription can be canceled
    Loans and insurance A delay is forming From 20% per annum + damaged credit history

    Sberbank can automatically debit money from your other card, if the “Auto-recharge” option is enabled (check in the card settings).