Withdraw cash Raiffeisen cards without commission. Raiffeisen bank partner banks where you can withdraw cash without commission

How to withdraw money from a Raiffeisen card without paying a commission? This question is of interest to any owner of a bank card. Although using a card for non-cash payments is most beneficial, it is still worth finding out the rules for withdrawing funds to Raiffeisen.

Withdraw money without commission

It should be noted that the withdrawal conditions will differ for credit and debit cards, so it is worth considering them separately. The general rule for all types of plastic is the ability to withdraw money from a Raiffeisen card, where the transaction is carried out under the same conditions as in your own bank.

From debit card

You can withdraw money from a Raiffeisen card without commission at any ATM / terminal of the bank or partner banks (Sberbank is not included in this list). At the same time, the service rules provide for a fee for such an operation in their own POPs (cash points) and cash desks. It is set at 0.7% (but not less than 300 rubles or 10 dollars / euro).

If the debit card holder wants to receive cash at branches or ATMs of third-party banks, then the commission for such an operation will be 150 rubles. or 5 dollars / euro + 1% of the withdrawn amount.

From credit card

For credit cards, rates for various operations are set depending on its type, therefore, when making an agreement, it is worth clarifying how to withdraw money from a Raiffeisen card.

At the moment, the following tariffs are set for transactions in ATMs / terminals and ATMs:

• In third parties (for example, in Sberbank): 3.9% + 390 rubles;
• In your own (for credit cards issued within the Premium and Premium Direct service packages): 2% + 200 rubles;
• In your own (for other cards): 3% + 300 rubles.

Raiffeisen issues a credit card Cash card, for which there is a special condition - the withdrawal of funds without a commission. This is the only free credit card transaction option.

At Sberbank and third-party ATMs

For those who want to withdraw money from a Raiffeisen card at Sberbank or any other bank, it is important to know that such an operation is carried out free of charge only in partner banks.

These include:

• Moscow credit bank;
• Gazprombank;
• Rosselkhozbank;
• B&N Bank;
• Uralsib;
• UniCredit Bank;
• Rosbank;
• Energotransbank.

In other cases, a commission is charged:

• For debit cards: 1% +150 rubles / 5 dollars or euros;
• For credit cards: 3.9% + 390 rubles.

Conclusion

Holders of debit cards can withdraw money from the Raiffeisen card without additional costs at the bank itself or in its partners. Holders of credit cards will have to pay a certain percentage when withdrawing funds.

Banks partners of Raiffeisen Bank allow you to withdraw cash without commission at any time of the day. You should be aware of the fact that only certain types of cards are accepted. These include debit cards marked: Classic, Gold, Standard or Platinum.

List of partner banks of Raiffeisen Bank

There is the following list of partner banks of the institution on the territory of the Russian Federation. These include the following list:

• Uralsib Bank;
• Tatfondbank;
• Rosbank;
• UniCredit Bank;
• Credit Bank of Moscow has more than eight hundred devices, most of which are located in Moscow and the central region.
• MDM Bank.
• B&N Bank;
• Gazprombank;
• Rosselkhozbank.

In all ATMs, users can not only withdraw cash, but also make transfers, connect and restore access to the Internet Bank, change the PIN code, and pay for services.

Another condition for withdrawing funds is the amount limits. Arriving at the ATM, you should view information about the limits that are in effect at a given time. If you withdraw more than the allowed amount, additional fees will be charged.

As for the minimum commission amount, it differs in different ATMs. In some cases, you can pay 15 rubles, and in some 100 rubles.

And the partner banks have drawn up an agreement, thanks to which the clients of these financial and credit institutions can use the services of self-service devices of the specified circle of persons without commission.

Raiffeisen partner banks

Raiffeisen customers have access to more than 2,000 ATMs installed by this bank throughout the country to carry out transactions with cards. However, the possibilities of Raiffeisen bank card holders are not limited only to these machines. Raiffeisen partner banks have also given them access to:

• 16,000 self-service devices where you can withdraw cash;
• 7,700 devices that can be used to replenish accounts, including card accounts.

Services to the clients of the Austrian giant in such ATMs and terminals are provided according to the terms of “home” tariffs, that is, what Raiffeisenbank offers.

Raiffeisen Bank's partners offer its clients to use their terminals, but with some restrictions on the maximum amount of one operation. Partner banks that allow Raiffeisen Bank customers to make transactions in self-service devices without commission:

• Rosbank, which has set a limit for one operation in the amount of 150,000 rubles;
• uRALSIB Bank has set the same limit of 150,000 rubles;
• Credit Bank of Moscow - 150,000 rubles;
• UniCredit Bank - 100,000 rubles;
• Rosselkhozbank - 200,000 rubles;
• B&N Bank - 150,000 rubles;
• Energotransbank - 150,000 rubles;
• Gazprombank - 150,000 rubles.

If the limit is exceeded, banks may withhold an additional commission.

Terms of using the services of self-service devices of partner banks

In self-service devices owned by partner banks, Raiffeisenbank customers can:

• transfer funds to another account, including an account owned by a third party;
• get access to the Internet Banking service, and, if necessary, restore the password for access to it;
• connect the phone number to the SMS notification service;
• change the PIN-code of the card;
• pay for services;
• withdraw cash.

When accessing the services of self-service devices of Raiffeisen Bank partners, one should take into account that the principle of operation of such devices is different. Before using one of the ATMs, it is advisable to read the corresponding instructions of the owner bank.

When replenishing a card account, funds deposited before 18.00 from Monday to Saturday inclusive, will be credited to the account on the same day. Cash received after 18.00 from Monday to Saturday inclusive, as well as on Sunday or holidays, will be credited to the account on the next business day.

Restrictions for depositing cash using self-service devices of partner banks:

• replenishment of accounts is allowed only in rubles;
• one operation is a maximum of 45,000 rubles;
• the devices perform no more than 3 operations per day, 10 per week and no more than 15 per month;
• in one day, devices can accept for replenishment of an account opened with a friendly bank no more than 45,000 rubles, but a maximum of 300,000 rubles per week or 450,000 rubles per month.

It is impossible to replenish the accounts of “B” category cards, as well as corporate cards in the devices of partner banks.

Among other restrictions on working with friendly self-service devices, the following should be considered:

• limits for withdrawing funds or for replenishing a card account set for this product by the issuing bank;
• availability of the required amount at the ATM;
• denomination of banknotes tucked into the device.

Conditions for charging commission

Replenishment of a card account and cashing out of funds through devices of partner banks of Raiffeisen Bank is possible in more than 30 regions of Russia both in relation to debit cards and credit cards.

Raiffeisen Bank's partners provide services to its clients without commission, provided that debit cards are used in self-service machines. The commission for withdrawing cash from credit cards is 3% plus 300 rubles.

The fee is charged by all ATMs of the alliance. An exception is the Cash Card product. In turn, Raiffeisen does not charge any payments when contacting its machines with debit cards issued by friendly financial institutions.

Cash-free cash can only be obtained from ATMs of both Raiffeisenbank and its partners. But when receiving money from the account at the cash desk of the alliance member, they will take a commission of 0.7% of the transaction amount, but not less than 300 rubles.

If you withdraw cash from self-service devices of banks that are not partners of Raiffeisenbank, the commission will be 1% plus 150 rubles. For a Visa CASHBACK Debit card, the fee cannot be less than 100 rubles.

When transferring from an account opened with Raiffeisen to an account registered with another bank, 1.5% of the transaction amount is withheld (at least 50 rubles).

Raiffeisenbank partners accepting loan payments

Raiffeisenbank cooperates with the Zolotaya Korona service. In its offices, you can repay loans issued by Raiffeisen, including credit card loans. When making calculations, a commission will be withheld.

Similar calculations are possible in the Beeline and Euroset salons. When calculating, a commission of 1% is withheld (minimum 50 rubles, maximum 200 rubles).

Also, the bank's clients can use QIWI terminals for settlements on credit obligations. The service is accompanied by a deduction of commission.

Funds are credited to the loan account when using the specified services on the next business day. To complete the payment, you must specify the account details.

Holders of Raiffeisen Bank plastic cards should clarify all the possibilities for receiving cash without commission. To do this, it is worth enlisting a list of Raiffeisen Bank's partner banks.

ATMs for cash withdrawal from Raiffeisen

Banks partners of Raiffeisen Bank are represented today by a fairly large list. Today, all major financial institutions are partnering with other banks to expand their ATM network.

This allows you to serve a larger number of customers in different localities, without the need to place their own ATM in each. Due to the savings in funds that would go to their service, banks have the opportunity to improve the conditions for their products, making them more profitable for current customers, attracting new ones.

After the conclusion of contracts and expansion of the partner list, Raiffeisen today offers to use more than 18,000 ATMs. Of them:

• 2,000 belong to Raiffeisen Bank;
• 16,000 - ATMs of partner banks, where you can make transactions without commission.

In addition, Raiffeisen owns more than 7.5 thousand terminals and cash-in ATMs through which funds can be credited to an account without commission.

A complete list of ATMs in your locality or a list of the ones closest to your location can be viewed on the Raiffeisen website, in the application, or by phone.

List of bank partners

Today Raiffeisen partner banks are represented by the following list:

• Rosbank: Part of the leading European bank Societe Generale. The merger took place in 2011, after the purchase of Rosbank shares and the consolidation of assets of the companies in 2008-2011.
• URALSIB: an integrated regional network providing banking products and services for retail and corporate clients. It is included in the TOP 30 of the largest domestic financial institutions, as well as in the top ten for credit cards for wealthy clients and for charity, for small business lending programs, for mortgages with government subsidies, for opening and managing deposits through remote communication channels, etc.
• Credit Bank of Moscow: a member of leading associations and associations, provides all types of banking services. In 2014 it was recognized as the best bank in Russia, in 2015 - the best for business, in 2016 - the best in terms of service quality.
• UniCreditBank: the largest bank with foreign participation, ranked 11th in 2017 in terms of assets. In 2001 it merged with Bank Austria Creditanstalt, which became part of the UniCredit group in 2005.
• Rosselkhozbank: one of the largest banks, established in 2000 to develop the credit and financial system of the agro-industrial sector. 100% public institution.
• B&N Bank: a reliable financial institution that prioritizes the development of small and medium-sized businesses. Present in many regions of the country.
• Energotransbank: the only regional bank in the Kaliningrad region, reorganized after the merger of the People's Fund OJSC in 2006. Since 2011, it has been a member of the Kaliningrad Chamber of Commerce and Industry.
• Gazprombank: one of the three largest banks in terms of equity capital, serves key sectors of the country's business, as well as individuals.

Fees and withdrawal limits

You can withdraw money without commission through ATMs included in the list of Raiffeisen partner banks. If you contact the bank's cash desk, you will need to pay an additional 0.7% (at least 300 rubles or 10 cu). These parameters apply to all cards, except for youth and children. For the latter, the commission is 150 rubles. when withdrawing through the department.

Using ATMs of other banks, you will need to pay 1% +150 rubles. (or 5 cu). Slightly lower tariff for youth, children and Visa CASHBACK: 1% (minimum 100 rubles).

To receive cash through an ATM of Raiffeisen and partners, follow the instructions:

1. Insert plastic. Enter your PIN.
2. Select Cash withdrawal from the main menu.
3. Specify currency.
4. The screen will display options for the amount to be withdrawn. If they do not fit, you can choose Another amount. You need to enter it in the window and click Continue.
5. After that, a request will appear about the need to issue a check.
6. First, the plastic is returned from the ATM. After - money and a check. If the card is not picked up immediately, the ATM will pick it up in 60 seconds (money - in 30 seconds).

Withdrawal without commission in banks included in the list of Raiffeisen partners is possible within the limits provided for each specific Raiffeisen card:

• Unnamed: up to 120 thousand per day and up to 300 thousand per month (national denomination);
• Classic, incl. WORLD: up to 200 thousand and up to 1 million, respectively;
• Gold: up to 300 thousand and up to 2 million;
• Children: up to 30 thousand per day and per month.

Partner ATMs also have withdrawal restrictions. They are different for everyone. More often one operation is limited to 150 thousand, but there are exceptions: UniCreditBank - up to 100 thousand, Rosselkhozbank - up to 200 thousand (national denomination)

ATM capabilities

Replenishment of the account is allowed to be performed without a commission if you use devices and ATMs of Raiffeisen and partners, which include B&N Bank and Moscow Credit Bank. Funds are credited to the account instantly. The exception is situations when the replenishment occurs after 18.00 and on holidays and weekends. In this case, receipts can be expected the next day. The limit for replenishment is 45 thousand rubles per day, 300 thousand per week and 450 thousand per month.

Raiffeisen Bank's partners allow you to perform all other operations (not only withdrawals) through an ATM:

• Make a transfer;
• Check balance;
• Change PIN-code;
• Pay for services to mobile operators.

At Raiffeisen ATMs, you can also connect or restore access to the Internet bank, connect or change the phone for SMS informing, and receive one-time passwords.

Conclusion

Raiffeisen partner banks without commission allow you to withdraw money from the card through their own ATMs within a certain limit. You can also deposit funds and perform some other operations at Raiffeisen tariffs through ATMs included in the list.

Raiffeisen Bank, like many popular financial institutions, cooperates with other banks. In this case, it is said about the mutual benefit when using ATM and TCO. Raiffeisen Bank partners allow you to withdraw funds from their ATMs without commission.

Partners and limits

At the moment, on the account with Raiffeisen Bank:

• more than two thousand own ATMs (ATM) in Russia;
• more than 17 thousand partner ATMs;
• more than 7 thousand terminals (TCO).

Cash withdrawal

The bank's partners are several large Russian credit institutions, from which ATMs you can withdraw money.

Limit on withdrawal on average 200-300 thousand rubles per day. The limit may depend on the category of the card and the established restrictions of the partner's bank itself. The average monthly limit for banks is from RUB 300,000 to RUB 3,000,000.

Replenishment

You can replenish Raiffeisen Bank cards at TCO BinBank, MDM, MKB. Depositing to the card account is made without commission. The limit for a one-time replenishment is not more than 45,000 rubles. The monthly top-up limit is 450,000 rubles.