Which banks does Raiffeisen Bank cooperate with - a list of partners where you can withdraw money from your card without commission. Partner banks of Raiffeisenbank for cash withdrawal without commission Raiffeisen limit for cash withdrawal through an ATM

Raiffeisen debit cards are a convenient and reliable tool for non-cash payments. For those who periodically withdraw cash from their cards, it is important to know what the Raiffeisen debit card limit is for such transactions. The article contains information on the established restrictions on withdrawal of funds.

Cash withdrawal limits

The bank offers clients various types of cards, which makes it possible to choose the most profitable option. The established limit for withdrawing cash from a Raiffeisen debit card depends on its category.

Currently the bank issues cards of the following categories:

• Standard or Classic;
• Gold;
• Premium

Among them there are cards with special features, for example, with a program for accumulating miles for travel lovers, or a 10% discount in restaurants for real gourmets.

Raiffeisen debit cards have cash withdrawal limits:

• Daily allowance;
• Period;
• General limits for all expense transactions.

Daily limit

Daily limits for cash withdrawals from Raiffeisen debit cards are set in the following amounts:

• 120 thousand rubles. (for foreign currency accounts – 2 thousand $/€.) for MasterCard Unembossed, Visa Unembossed, Maestro, Visa Electron;
• 200 thousand rubles. or 3 thousand dollars/euro for: all MasterCard Standard (including ELLE and Golden Mean); all cards of the Visa Classic category (including MTS, Malina and TRAVEL); for the WORLD card.
• 300 thousand rubles. or 5 thousand dollars/euro for all types of Gold category cards.
• 500 thousand rubles. for premium cards (Visa Signature Easy Europe, MasterCard World Black Edition Premium/ Visa Platinum Premium, Platinum MasterCard/ Visa Platinum Premium Direct).

Monthly consumption

For Raiffeisen debit cards, monthly cash withdrawal limits also depend on the categories:

• For MasterCard Unembossed, Visa Unembossed, Visa Electron, Maestro: 300 thousand rubles. or 5 thousand $/€;
• For Classic, Standard and MIR: 1 million rubles. or 20 thousand $/€
• For Gold Visa and MasterCard: 2 million rubles. or 30 thousand $/€;
• For premium cards: up to 3 million rubles.

A single daily limit has been established for all types of expense transactions for any debit cards - 3 million rubles. or 100 thousand $/€.

Conclusion

These are the limits of Raiffeisen debit cards. They are quite high, which allows owners to receive the required amount of money at any time.

5 minutes to read. Views 143 Published 07/27/2019

Many citizens of our country use banking products such as credit and debit cards. The use of such cards significantly simplifies the process of paying for various goods and services. Despite the prevalence of bank cards, some people prefer to use cash. These people are interested in information about the limits set for cash withdrawals. In our article, we propose to discuss the Raiffeisenbank cash withdrawal limit through an ATM.

Restrictions on cash withdrawals from a Raiffeisenbank debit card

Raiffeisenbank offers its clients a large number of different tariff plans for servicing debit cards. Whether a card belongs to a specific category determines the limits. Today, Raiffeisen clients can obtain classic, gold and premium cards. Each category has cards that include various additional options. This could be the accrual of bonus miles for every purchase or cashback on various services.

Limits on such cards can be divided into three separate groups. The first group includes daily limits, and the second group includes monthly limits. The third group includes restrictions on all expense transactions.

Before applying for a debit card, it is recommended that you read the terms and conditions of its use.

Daily limits

A daily limit of one hundred and twenty thousand rubles is set for Maestro, Visa Electron and Unembossed cards, as well as MasterCard Unembossed. Classic Visa and standard MasterCard have limits of two hundred thousand. Gold card holders can cash out up to three hundred thousand rubles daily. Users of premium tariffs have the opportunity to withdraw up to five hundred thousand rubles from the card every day.

Limits per month

When withdrawing cash from a debit card, you need to consider not only the daily limits, but also the monthly limits. For starting line cards there are restrictions of three hundred thousand rubles. The classic visa and standard mastercard have a limit of one million rubles. Gold card holders can cash out no more than two million rubles per month. For premium card holders, this parameter has been increased to three million rubles.

Credit card limits

The restrictions on withdrawing cash from credit-type plastic deserve special attention. This financial transaction is limited by the number of banknotes on the balance sheet of a particular client. It is important to note that the commission rate for credit card transactions is higher than the rate for debit cards. In addition, only certain Raiffeisenbank clients can receive high limits. The amount of available funds is set individually for each cardholder. The scope of restrictions on the withdrawal of funds depends on the level of solvency of a particular person.

When the approved limits no longer meet the needs of the cardholder, he can contact the bank with a request to increase or decrease the limits. To do this, a corresponding application is drawn up, to which a copy of the passport is attached. The scope of restrictions depends on the type of card used:

1. Standard, classic and gold cards – six hundred thousand rubles.
2. Premium tariff plans – one million rubles.

How to increase the limit

If you want to increase the amount of available funds on your credit card, you must personally contact one of the Raiffeisenbank branches. This option is available only to those users who have been using plastic for more than three months. The limit can be increased no more than once within six months. The completed application must be accompanied by a certificate from the place of employment indicating the amount of income and a copy of the identity card. Citizens' applications are reviewed within five working days. It is important to note that the bank can independently increase the limits on the credit card. After this operation is completed, the client receives a notification.

Limit reduction

Reducing the Raiffeisen cash withdrawal limit is much easier than increasing it. To do this, it is enough to fill out the appropriate application, to which the applicant’s passport will be attached. The minimum amount of restrictions is fifteen thousand rubles. This nuance is explained by the fact that Raiffeisenbank creates for its clients all the conditions necessary to pay for large purchases.

Commission fees set by the bank

When considering the issue of restrictions on withdrawals of funds, it is necessary to pay attention to the size of the commission for this operation. Withdrawing funds is free of charge provided that you use terminals and ATMs owned by Raiffeisenbank. In the case of withdrawal of funds through cash desks and branches of this organization, the commission amount will be 0.7 percent of the selected amount.

When using third-party systems, the commission amount will be 0.5 percent. To this amount you must add one hundred and fifty rubles, which is the minimum commission. In the case of withdrawal of foreign currency, the amount of commission payments increases to two percent. These conditions apply when withdrawing cash through Sberbank and other banking institutions.

Limits when working with cards in partner banks

Owners of debit cards do not pay a commission when withdrawing funds through ATMs of those organizations that are partners of Raiffeisenbank. The following banking structures fall into this category:

1. Rosbank, Energotransbank and MKB.
2. UniCredit Bank, B&N Bank and UralSib.
3. Rosselkhozbank and GazpromBank.

It is important to note that some of the above organizations set their own limits. Organizations such as Rosbank and Binbank allow you to cash out only one hundred and fifty thousand rubles. The limit of one hundred thousand rubles was established by UniCreditBank. You can withdraw no more than two hundred and fifty thousand through Gazprobmanka ATMs. Using Rosselkhozbank terminals allows you to cash out two hundred thousand rubles.

conclusions

In this article we discussed the question of how much you can withdraw from a Raiffeisen card per day. Restrictions on withdrawal of funds depend on the type of card and type of tariff plan. The highest limits are set for premium debit cardholders. Persons belonging to this category can cash out up to five hundred thousand rubles within 24 hours.

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

Withdraw money without commission

It is worth noting that the conditions for withdrawing funds 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 a 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 at their own cash points (cash pick-up points) and cash desks. It is set at 0.7% (but not less than 300 rubles or 10 dollars/euro).

If the holder of a debit card 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 a credit card

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

Currently, the following tariffs are set for transactions at ATMs/terminals and PVN:

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

Raiffeisen issues a credit card Cash card, which has a special condition - withdrawal of funds without 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:

• Credit Bank of Moscow;
• Gazprombank;
• Rosselkhozbank;
• BINBANK;
• 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 rub.

Conclusion

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

Raiffeisen has always strived for a leading position in the market, and therefore it does everything possible to make the lives of customers more comfortable and easier. In order for cooperation with Raiffeisen Bank to become more effective, management decided to actively work with other banks in the country to expand common capabilities. The list of Raiffeisen Bank partners is constantly growing.

Advantages of Raiffeisenbank's partner network for clients

1. Increasing the number of terminals available for servicing Raiffeisenbank cards (more than 16 thousand ATMs and terminals of partner banks available to Raiffeisen clients throughout the country and neighboring countries);
2. Withdrawal without commission through Raiffeisen partner banks;
3. More favorable conditions for carrying out interbank procedures, up to the complete abolition of commissions for transfers and replenishments.

But the greatest advantage that Raiffeisen Bank’s partners have is the provision of bank services in cities where there are no Raiffeisen Bank branches and terminals yet. If previously customers had to withdraw money from a Raiffeisen card at ATMs of other banks with a large commission, now they can deposit cash through Raiffeisen Bank partner banks without commissions and unnecessary overpayments. In addition, sections on payment payments, mobile communications, Internet services, etc. become available.

Not only do Raiffeisen Bank partners offer clients the opportunity to withdraw and deposit funds without commission, but they also allow them to receive discounts from their banks and organizations. This is why partnership between banks remains beneficial for everyone.

However, always pay attention to the fact that Raiffeisen Bank's partners are constantly increasing, but there are still a small number of banks that are not partners of the company. Therefore, paying for mobile communications, withdrawing and depositing cash through their ATM will incur a large commission.

Who does Raiffeisen Bank cooperate with?

In order to offer the client the best conditions for withdrawing, depositing and transferring funds, Raiffeisen Bank partners have united in a special network, which allows improving service conditions by removing or reducing fees for withdrawals, transfers of funds, and the ability to make any monetary transactions at the nearest ATM .

One of the main conveniences for the client that Raiffeisen Bank's partners offer is depositing and withdrawing cash without commission through ATMs of their network.

Therefore, the main partners of Raiffeisenbank are banks that have their own network of ATMs and terminals.

Main partners of Raiffeisen Bank

So, you can use bonuses from the affiliate program and withdraw cash without commission from a Raiffeisen card with the following organizations:

1. Energotransbank (maximum withdrawal amount (hereinafter referred to as “max”) – 150 thousand rubles);
2. Rosbank (max – 150 thousand rubles);
3. UralSib (max – 150 thousand rubles);
4. Moscow Credit Bank (max – 150 thousand rubles);
5. Gazprombank (max – 150 thousand rubles);
6. MDM Bank (max – 150 thousand rubles);
7. Rosselkhoz Bank (max - 200 thousand rubles);
8. TatFondBank (max – 9 thousand rubles);
9. Binbank (max – 150 thousand rubles);
10. Yandex.Money - withdrawal only through Raiffeisenbank terminals using a plastic or virtual Yandex card - for a one-time withdrawal you can withdraw from 500 to 5000 rubles, per day - up to 30,000 rubles, per month - up to 150,000. Please note that the withdrawal amount must be multiple of 500 rub.
11. And Unicredit (max – 30 thousand rubles).

These are the main partners of Raiffeisen Bank, however, the bank’s management continues to work to find new partners that are convenient for clients.

Remote service is an important aspect characterizing the quality of a banking organization. Using ATMs, you can deposit and withdraw money without commission, make money transfers and payments in favor of third parties. But not every bank can boast of a wide network of technical devices. In this case, companies enter into partnership agreements with each other, allowing customers to use third-party devices on loyal terms. So, Raiffeisen Bank partners providing free service at ATMs.

ATMs

At the moment, Raiffeisen Bank has 2,000 of its own ATMs throughout Russia. 16,000 technical devices of partners where you can withdraw cash according to the terms of your tariff, as if the service was being carried out at Raiffeisen Bank. And besides, 7,700 terminals where you can deposit money onto cards and accounts without commission.

Worldwide, Raiffeisen Bank has more than 22,000 technical devices, including partner ATMs, where it is possible to withdraw money without commission, as well as in the country’s currency, taking into account conversion. Possible functions of ATMs of Raiffeisen Bank and partners:

• cash withdrawal in rubles and foreign currency;
• crediting funds to card accounts and paying third parties;
• money transfers from cards to cards of other banks in Russia;
• checking account balance;
• change PIN code;
• depositing the amount on a mobile phone;
• connecting or disconnecting your personal account;
• changing your cell phone number for SMS notifications, as well as connecting and deactivating the service.

Cooperation with other banks allows you to use some of the functions in third-party ATMs “at an internal rate.” Let's look at which banks Raiffeisen cooperates with.

You can top up funds at Raiffeisen Bank partner banks without paying an additional commission. Rubles are credited to your card account instantly. In the case of foreign currency - on the same day from Monday to Saturday until 18:00. If you pay later or on Sunday, then crediting may occur on the upcoming business day.

Partners offer more than 7,000 terminals and ATMs with the function of depositing money. Banks cooperating with Raiffeisen in this area:

• Credit Bank of Moscow;
• Binbank.

These partners do not charge a commission for transactions; they have representative offices in 30 regions of the country. Through ATMs it is possible to deposit up to 45,000 rubles per transaction. If you need to top up your account in another currency, this can be done through the cashier at the branch.

You can make no more than three credit transactions in one day for free. There can be up to 10 such operations per week, and a limit of 15 operations per month is set. You can top up your account by 300,000 rubles per week, and up to 450,000 rubles per month. There are restrictions on some tariffs, for example on corporate cards; this information must be clarified in advance with specialists.

In addition, partners offer to deposit money into the account in cash, i.e. in such banks you withdraw money from your Raiffeisen card without any costs. So, a list of partners and maximum amounts for operations.

This amount of money can be withdrawn one-time without commission. Also, banking organizations can independently set monthly, weekly and daily limits, which vary depending on the bank’s decision. Therefore, the exact limit can be clarified with Raiffeisen Bank or partners immediately before performing the operation.

Financial institutions benefit from having such additional agreements. This allows companies to save on maintenance of technical devices and specialists. There is no need to create additional lease agreements.