Dependences of T c on hole concentration in YBa 2 Cu 3 O 7Ϫy ͑Y-123͒ and Bi 2 Sr 2 CaCu 2 O 8ϩx ͑Bi-2212͒ cuprates have been calculated in the transverse electric field E ជ in the framework of the two-band model. The phase space for the pair-transfer scattering between the overlapping bands is determined by the position of the chemical potential. The dependence of T c on the hole concentration n h has a maximum. The calculated T c (n h ) agree in E ជ ϭ0 with the experiment in Bi-2212 and Y-123 cuprates. The electric-field effects in cuprates are considered with the use of T c (n h ). In metal-insulator-superconductor structures, the electric field induces changes in the carrier concentration and in the position of chemical potential. The field-induced shifts of T c depend on the strength and polarity of the electric field. For maximum field effect, the superconductor has to be away from optimal doping, i.e., maximum T c , dT c /dn h ϭ0, and has to be closer to the maximum of the slope dT c /dn h . The asymmetry ͉⌬T c (E ជ )͉ ͉⌬T c (ϪE ជ )͉ changes with E ជ . In agreement with experiment, the shifts ͉⌬T c (E ជ )͉ decrease when the film thickness increases. The field effects in both systems are similar, but in Bi-2212 they are stronger. The theory agrees qualitatively and, in some cases, quantitatively with experiment. The dependence of the ratio of surface and bulk conductivities on the film thickness (d) allows us to obtain quantitative agreement between the calculated d dependence of ͉⌬T c (E ជ )͉ and the experimental data in Y-123 and Bi-2212. The influence of the photodoping on T c of cuprates and photoinduced superconductivity are discussed.