Raiffeisenbank partners ATMs without commission. Partner banks of RaiffeisenBank: features of withdrawing money from ATMs
In this article, we will look at which partner banks of Raiffeisen Bank provide commission-free cash withdrawals, as well as the conditions for cashing out funds abroad.
The financial company Raiffeisenbank owns its own structure in the financial services market in the Russian Federation. Other partner banks make this network the most popular, attracting more and more clients, for whom the conditions for using the services are very favorable.
The list of Raiffeisenbank partners includes the following enterprises:
- MDM-Bank.
- UniCredit.
- Rosbank.
- Binbank.
- RosselkhozBank.
- Uralsib.
- Gazprombank.
- Energotransbank.
At any ATM or office of a partner bank, you can withdraw funds from a credit card, the daily withdrawal limit for which is from 200 to 300 tr. The difference is affected by the class of the card. The monthly limit can reach 3 million rubles.
You can withdraw money within these limits without commission. The smallest limit is provided by Tatfondbank and Unicredit, and the largest by Rosselkhozbank. In other affiliate networks you can also cash out, but pay a commission of 150 rubles. +1% of the cashed out amount.
You can also deposit funds onto a Raiffeisenbank card at other ATMs of such banks - B&N Bank, MDM, MKB. The one closest to you can be found on the official raiffeisenbank portal in the “ATMs and offices” category.
The network of partner terminals is wide, thanks to cooperation with other Russian banks.
The size of the withdrawal fee, and is it possible to do without it?
Raiffeisen does not charge additional interest when withdrawing money from its own terminals or through an ATM. But withdrawing funds from the branch’s cash desk has a commission of 0.7%, but this amount is at least 300 rubles.
Credit card holders must pay a small fee.
For Visa Classic Cash cards, Raiffeisenbank offers cash withdrawal without commission, and in other organizations 0.5%, but not less than 50 rubles.
If you own a Premium card and are connected to the corresponding service packages, then the percentage for cash withdrawals at Raiffeisen or partner ATMs will be 2% + 200 rubles. For standard and gold cards – 3% + 300 rubles. If you need to use ATMs of other banks to withdraw funds from the account of these cards, you will need to pay a commission of 3.9% + 390 rubles for each operation.
When withdrawing money from Raiffeisen ATMs using a card from another bank, no commission is charged. It is necessary to pay a percentage of the bank that owns the card, if this is provided for in the agreement of this banking institution. For example, for a Sberbank card in 2020 the commission is 1%.
Limits and restrictions on cash withdrawals at ATMs of the issuing bank and its partners. Maximum amount that can be withdrawn
The maximum cash withdrawal amount per day is 3 million rubles. This limit was set by the company.
The Raiffeisenbank cash withdrawal limit through an ATM in 2020 depends on the type of credit card. The limit on withdrawals per day is most often up to 300,000 rubles. But at the same time, Raiffeisenbank may impose some restrictions if staff suspect fraud with funds. For holders of classic and gold credit cards, the established limit is from 300 thousand rubles. For platinum card holders, this limit has been increased to 3,000,000 rubles. It turns out that it is more profitable to use Raiffeisenbank ATMs or partner terminals, since in this case you can withdraw funds without interest.
Corporate card holders have the opportunity to set limits on one-time and monthly withdrawals.
Features of withdrawing cash to Raiffeisen cards in other countries
It should be noted that in other countries, Raiffeisen bank branches are third-party and have nothing in common with Raiffeisen Bank in the Russian Federation. There are no partner banks outside Russia where cash withdrawals are available without commission. If you need to use ATMs in another country, you will have to pay a fee. It will not be possible to withdraw an amount above the established limit of this bank. All details can be found on the official portal.
Raiffeisenbank does not charge a fee for withdrawing cash from another ATM in another country if you activate a special service for travel.
In other cases, the commission usually does not exceed 150 rubles + 0.5% of the cashed amount. Also, in order to avoid situations where, when withdrawing funds, too much money disappears from the account, you should be aware that the bank whose ATM you use may have established additional rates for cash withdrawals, but this can only be found out from the staff of this credit institution.
As you might have guessed, using third-party terminals and ATMs is not always free and profitable, so it is better to avoid this or not exceed the established limits.
Raiffeisen Bank is a Russian subsidiary of the Raiffeisen holding (Austria). Today, the institution has gained popularity in the financial sector, as its own network has been actively developed and cooperation has been established with financial institutions. Thanks to work with Impex Bank, the organization became one of 15 in the country that are in demand in the field of lending and investment.
To improve the bank's performance, a convenient customer service system has been created on acceptable terms. This allows the organization to be in demand. That is why there are Raiffeisen partner banks. You can withdraw money without commission from these organizations. Funds can be replenished and transferred using self-service devices.
About the bank
Raiffeisen Bank began operating in Russia in 1996. Now this organization has a developed partner network. Its main activity is serving legal entities and individuals. An important area is investing in economic sectors.
Thanks to its successful development, the bank has many ATMs and self-service terminals. Due to cooperation with other institutions, clients have the opportunity to benefit from advantageous services.
Bank advantages
Raiffeisen Bank has the following advantages:
- Availability of partners in different countries.
- Withdrawal of funds without commission.
- With a debit account you can transfer funds to a credit card.
- Reliable reputation.
- The account is replenished with electronic currency through Qiwi and other systems.
The main thing that Raiffeisen Bank partners can provide is ATMs without commission. St. Petersburg, like other cities, has many devices for withdrawing funds. The bank also has a secure online banking system.
Bank clients can use a wide network of ATMs located throughout the country. There are currently over 2 thousand such devices in operation. The benefit for clients lies in the terms of service provided by Raiffeisen partner banks. It is possible to withdraw funds from many ATMs (more than 16 thousand) without commission.
Organizations offer to withdraw money from the card without charging a commission. Plastic is needed for:
- Transfers to other cards.
- Using Internet banking.
- SMS notification connections.
- PIN code changes.
- Making payments.
- Cash withdrawals.
If this bank is not in the city, then you should look for Raiffeisen partner banks. You can withdraw money without commission from all ATMs owned by these organizations.
Commissions
Since third-party withdrawals come with a service fee, you must ensure that there is no charge before using another institution's device. Favorable conditions are provided by Raiffeisen partner banks. Without commission, as already mentioned, cash is issued at all ATMs of these structures.
If you withdraw money from third-party terminals, this occurs under the following conditions:
- Cash out up to 3 million per day.
- Commission 300 rubles or 0.7%.
- Collection 150 rubles + 0.5% at an ATM that is not a Raiffeisen partner.
If an ATM is used to dispense money using a card from another issuer, the terms of cooperation must be taken into account. Raiffeisen provides commission-free cash withdrawals only thanks to its partners.
Affiliate network
Banks cooperating with Raiffeisen create a partner network. Thanks to it, clients can withdraw money without commission. Partners include:
- "Rosbank".
- "MDM Bank"
- "MCB-Bank".
- Bank "UniCredit".
- "Uralsibbank".
- "Binbank".
- "Gazprombank".
- "Rosselkhozbank".
- "Energotransbank".
You need to look for these ATMs and then there will be no commissions. The devices are available in most shopping centers in large cities.
Withdrawal rules
Cash withdrawals are available to Raiffeisen clients with some restrictions:
- If you use a Visa credit card, there may be a fee. It all depends on what conditions are offered by a particular financial institution. And there will be no problems with Visa, MasterCard, Maestro debit cards.
- The size of one operation is limited (7.5 or 15 thousand rubles). If you exceed the amount, fees will apply.
It is according to these rules that ATMs operate without commission in large cities and can be found everywhere. The affiliate network is accessible to people throughout the country, as depositors and borrowers are offered excellent service and a guarantee of reliability.
Features of the procedure
To withdraw money, just find a partner’s ATM. They are located in shopping centers, as well as in bank offices themselves. The procedure is no different from the standard one. The client needs to insert the card into the device, enter the PIN code, and then select the “Cash Withdrawal” section.
The menu offers payment for various services. There is also no commission charged for them at partner ATMs. ATM addresses can be found on the website.
"Rosbank"
If there is no Raiffeisen in the city, where can I rent without a commission? Partner banks have a network of ATMs throughout the country. Rosbank has about 3,000 devices. Since 2012, clients have been able to withdraw funds without commissions. Payment for housing and communal services and card replenishment are also available.
Rosbank has a developed ATM network, so devices are located in many cities of the country. Remote service is very convenient for most clients because it saves time. You can transfer money through an ATM, pay for television and telephony. You can find out the addresses of ATMs through the website.
"MDM Bank"
Raiffeisen also has other collaborating organizations. Partner banks make commission-free withdrawals at cash desks and through ATMs. Now the institution cooperates with MDM Bank. Clients have access to the function of obtaining information about their account without commissions. The number of devices is more than 9,400.
Raiffeisen has become the owner of a developed ATM network, which allows customers to gain convenient access to their funds. There are many cash withdrawal machines in big cities. In addition to withdrawing money without commissions, other services are also provided: transfer of funds, payment for services, repayment of loans.
"MCB-bank"
The main advantage that Raiffeisen Bank partners provide is commission-free ATMs. Moscow, like other large cities, includes many withdrawal devices. One of them is Moscow Credit Bank OJSC, which exists only in the capital. The main direction of the organization is the development of retail business, as well as servicing corporate clients.
In addition to these banks, cash is also issued from other ATMs. In large cities there are devices of Uralsibbank, Gazprombank, Rosselkhozbank and other organizations. Each of them offers its own terms of service, but at ATMs funds can be withdrawn and replenished without commission.
Refill
Without a commission, you can not only withdraw funds, but also if you need to top up a credit card or deposit funds on a debit card, you need to use the MDM Bank self-service terminal. There is no fee for the procedure. The maximum payment is 45 thousand rubles. You can top up your card with no more than 450,000 rubles per month.
You can find out about the nearest ATMs and partners using the R-Mobile mobile application. There are addresses and operating hours of the terminals. This information can also be found on the official website.
Types of cards
The Unembossed card is considered unnamed, so it is issued instantly. The client just needs to write a statement. The service is provided to clients over 14 years of age. After receiving the plastic, it is possible to perform operations using a contactless system. Money can be withdrawn from cash desks and ATMs. It is also possible to pay for purchases and services via the Internet. Cards are accepted at all retail outlets. Servicing debit cards costs 240 rubles per year. It is more convenient to use partner ATMs to withdraw funds.
Customers are also offered standard cards, which have a daily limit of 200 thousand rubles, and a monthly limit of 1 million rubles. The service costs 750 rubles per year, but if you sign up for the “Optimal” package, this package will be free.
The Gold debit card is available in several types. issued with the "Golden" package. There is a 5% cashback upon departure. Visa allows you to use bonuses issued for non-cash payments. The gold card comes with free spending alerts, partner discounts and priority service at the office. Services cost 4.5 thousand per year.
Loans
The bank offers clients loans. Moreover, each has its own conditions. Many programs do not require the provision of collateral or the need to find a guarantor. There will also be no additional fees. The application is reviewed within an hour, after which the client is notified of the decision. If it is approved, then within 15 days you have the opportunity to apply for money by providing documents. An agreement is concluded with the client, which serves to regulate the rights and obligations of the parties.
You can repay the loan by any means, but it is better to choose bank or partner ATMs. Money is also deposited through cash registers, payment terminals and online services. Most methods allow you to transfer funds quickly.
Raiffeisen Bank is one of the most widespread financial institutions in Russia. Trust and excessive attention from clients is deserved by reliability, proven over the years, as well as favorable conditions for performing various financial transactions. In particular, users can withdraw money from a RaiffeisenBank card at ATMs without commission. This can be done both at the terminals of the “home” network and at the issuing points of partner banks.
Partner banks of Raiffeisen Bank
As for the bank, the institution can save huge amounts of personal funds that would have been spent on installing ATMs, terminals and their subsequent maintenance.
How to withdraw funds
To withdraw money, no additional instructions are needed. But be sure to remember that partners do not allow you to carry out transactions without a card. You can use financial services without a plastic carrier only at your own ATM.
Restrictions and limits
Interaction between different financial institutions allows you to withdraw personal funds from other banks, but with minor restrictions. In particular, this applies to the limit amounts of write-off at a time. Tatfondbank makes it possible to receive an amount of no more than 9 thousand rubles for one withdrawal. UniCredit allows you to withdraw no more than 30,000 rubles. The biggest restrictions are set by Rosselkhozbank with the withdrawal of 200 thousand. All other partners allow you to withdraw only 150 thousand.
Such restrictions do not mean that large sums cannot be obtained. They can, but only with the removal of the commission. The commission fee is 150 rubles for each transaction plus 1% of the total write-off amount. If cashing out occurs within the limit, then no additional costs will be required. There are also monthly withdrawal restrictions, which depend on the partner’s conditions. Such limits vary within 3 million rubles.
In addition to cashing services, partners provide replenishment services for personal Raiffeisen bank cards, which allows you to always stay in touch. But the maximum replenishment amount for one procedure should not exceed 45,000 in national currency. Whereas you can deposit no more than 450 thousand rubles into your account per month. Otherwise, additional interest will also be charged.
Due to their reliability, security and ease of use, debit and credit plastic cards from Raiffeisenbank are widely popular. They are indispensable for non-cash payments and instant money transfers. However, in some cases, a person is interested in withdrawing cash with maximum benefit. Therefore, it is necessary to have detailed information about current limits and commissions at Raiffeisenbank. These values may depend on both the type of card product and the withdrawal method chosen by the client.
Limits for debit cards
For various types of plastic cards the following applies: daily cash limit:
View | In thousands of rubles | In thousands of euros/dollars |
Children's, Visa Classic Lenta | 30 | – |
Unembossed, Maestro, Visa Electron | 120 | 2 |
All at once, PEACE | 200 | – |
Classic Standard | 3 | |
Gold | 300 | 5 |
World, World Black Edition, Platinum | 500 | 10 |
In this case, the monthly limit is:
Commission amount
- At Raiffeisen Bank's own ATMs and self-service terminals, the client can withdraw an amount of money in accordance with the limit without commission.
- The commission for cash withdrawals at Raiffeisen bank branches and cash desks is 0.7%.
The following rules apply to card cashing at third-party institutions:
- The amount of commission deductions is 0.5% + 150 rubles additionally.
- For withdrawal of foreign currency the commission amount will be 2%.
These commission rates apply to Sberbank and other banks in the country.
Limits and fees for credit cards
In the case of credit cards, there are certain restrictions that depend on the size of the credit limit, that is, the maximum amount available for cash withdrawal.
The loan withdrawal limit is:
- 60% - for one operation per day;
- 100% - for monthly cash withdrawal.
Different cards and ATMs have different fees.
In order to increase the limit, the client must personally visit a bank branch no earlier than three months from the date of opening the card. You need to provide:
- document confirming the identity of a citizen of the Russian Federation;
- certificate of income.
If there are no claims against the client, the bank increases the limit within one week. If necessary, you can contact us every six months.
Withdrawing funds from Raiffeisen Bank partners
>At ATMs of Raiffeisen partners, no commission is charged when withdrawing cash from debit cards.
Among them:
- Rosbank;
- UniCredit Bank;
- Gazprombank;
- Uralsib Bank;
- Rosselkhozbank;
- Energotransbank;
- Binbank;
- Credit Bank of Moscow.
Limits on withdrawals in partner banks
According to the conditions in force in 2018, the following limits are determined for withdrawing money (in rubles) from ATMs of partner banks:
What fees are charged when replenishing
The following conditions apply to Raiffeisen Bank clients when replenishing their cards.
Competition among banks for clients leads to banks coming up with additional conveniences for clients. One of these conveniences is the creation of a partner network of ATMs with other banks so that customers can use the card on favorable terms without being tied to a specific bank. Naturally, clients benefit from this. But unfortunately, not everyone knows about such opportunities and continues to withdraw money from their own ATMs, sometimes creating queues of several people. Below is a list of ATMs of partner banks, where clients of these banks can withdraw money on preferential terms.
Alfa Bank partner banks | 7 banks
Alfa Bank became one of the first banks that began to build a lean ATM network with other banks. And today, Alfa Bank’s ATM partner network is one of the largest in Russia. Alfa Bank clients can withdraw from their cards without commission at ATMs of the following banks: Gazprombank, Otkritie Bank, Moscow Credit Bank, Rosbank, Promsvyazbank, Rosselkhozbank, Ural Bank for Reconstruction and Development.
Rosbank partner banks | 8 banks
Partner ATMs for withdrawing cash from Rosbank cards are as follows: Ak Bars, Alfa Bank, VTB, Gazprombank, Raiffeisenbank, Rosselkhozbank, Uralsib Bank. Since December 2019, Rosbank card holders can withdraw money from Sovcombank ATMs just like at their ATMs.
Partner banks of Uralsib Bank | 5 banks
Uralsib clients can withdraw without commission at ATMs of VTB Bank of Moscow, Rosgosstrakh, Raiffeisenbank, Uglemetbank.
Addition: On August 2, Uralsib abolished the commission for cash withdrawals on its debit cards at any ATMs in Russia for transaction amounts exceeding 3 thousand rubles; for a smaller amount, the commission will be 49 rubles.
Raiffeisenbank partner banks | 10 banks
You can withdraw from Raiffeisenbank cards without commission to Binbank (including cash deposit), Gazprombank, MKB (including cash deposit), Rosselkhozbank, Rosbank, Uralsib, Energotransbank, Unicreditbank.
Promsvyazbank partner banks | 4 banks
PSB card holders can withdraw without commission to Alfa-Bank, Rosselkhozbank, Bank Vozrozhdenie, and AVB Bank.
Gazprombank partner banks | 4 banks
Gazprombank's partner banks are Alfa Bank, Credit Ural Bank (KUB), Belgazprombank. At the ATMs of these banks, you can request a balance and withdraw cash from a Gazprombank card at a rate of 0.5% of the withdrawal amount (Operations in the GPB corporate network), Otkritie Bank.
Partner banks of Post Bank | 8 banks
The Pochta Bank card allows withdrawal on preferential terms (no commission) at VTB Group ATMs, which include the bank of the same name, VTB Bank (Georgia), VTB Bank (Ukraine), VTB Bank (Armenia), VTB Bank (Belarus), VTB Bank (Azerbaijan), VTB Bank (Kazakhstan).
VTB partner banks | 9 banks
The partner banks of the second largest bank in Russia are currently banks that are part of VTB's own group in Russia and abroad. In Russia, this is the united VTB Bank (VTB24 and Bank of Moscow), Post-Bank. Abroad, these are the subsidiary banks of VTB described above.
Partner banks of Rosgosstrakh Bank | 2 banks
You can withdraw money from the Rosgosstrakh Bank (RGS Bank) card on preferential terms at the ATMs of the Moscow Credit Bank. The commission for withdrawing money from a RGS Bank debit card at the ATMs of these banks is 0.5% (min. 50 rubles/2 dollars/2 euros).
Partner banks of Rosselkhozbank | 4 banks
Partners of Rosselkhozbank (RSHB) for withdrawing cash from cards are Alfa-Bank, Promsvyazbank, Raiffeisenbank, Rosbank.
Partner banks of Otkritie Bank | 8 banks
Since April 2019, clients of Otkritie Bank can withdraw cash from a VISA or MasterCard card without commission at Alfa-Bank (including zero commission for accepting cash), Gazprombank, Raiffeisenbank, Russian Standard, Unicredit Bank, Zenit Bank, SKB Bank and GasEnergoBank.
SMP Bank partner banks | 2 banks
SMP Bank's partners are banks included in its structure. These are Mosoblbank and InvestCapitalBank. Withdrawing cash from ATMs of these banks is free.
Partner banks of Moscow Credit Bank | 4 banks
Clients of Moscow Credit Bank can make free withdrawals from MKB's partner integrated ATM network, which includes the following banks: Alfa-Bank (including depositing cash), Raiffeisenbank, UniCredit Bank, Rosgosstrakh Bank.
Sberbank partner banks | 12 banks
Sberbank has partner banks, at whose ATMs Sberbank clients can withdraw cash from a debit card on preferential terms. These conditions may differ slightly in each regional bank, but, as a rule, no commission is charged. Some cards may have a commission of no more than 0.75% of the withdrawal amount.
Sberbank's partners are its subsidiary banks abroad: Sberbank (Kazakhstan), Sberbank of Russia (Ukraine), BPS-Sberbank (Belarus), DenizBank A.S. (Türkiye), Sberbank d.d. (Croatia), Sberbank BH (Bosnia and Herzegovina), Magyarorszagi Volksbank Zrt (Hungary), Sberbank a.d. Banja Luka (Serbian Republic), Sberbank Srbija (Serbian Republic), Sberbank Slovensko (Slovakia), Sberbank banka (Slovenia) and Sberbank CZ (Czech Republic). The collection of tariffs can be found on the bank’s website.
Tinkoff Bank partner banks
As you know, Tinkoff Bank has Tinkoff Black map the commission is the same for all ATMs: for a withdrawal amount of more than 3 tr, no commission is charged, and for a withdrawal amount of less than 3 tr it is 90 rubles. If you exceed the limit of 500 rubles, in both cases an additional commission of 2% is charged. Thus, the issue of partner banks is not very relevant here.
The largest limits on cash withdrawals
When withdrawing cash from ATMs, especially if the ATMs are from someone else’s bank, the question arises: how much can be withdrawn at one time? Below are the banks that have maximum limits for withdrawing cash from a card of another bank:
Alfa-Bank ATMs— the limit on cash withdrawals using MasterCard cards is up to 450 thousand rubles (subject to technical availability).
Tinkoff Bank ATMs— the withdrawal limit at these ATMs is usually 100 thousand rubles per transaction.