Credit card with interest-free cash withdrawal. Credit cards with cash withdrawal option
On our site, we pay a lot of attention to banking products. First of all, to debit and credit cards, talking about the benefits that they can bring to the end user in terms of economical and wise use of personal and family budget. In this article, we decided to touch on another profitable chip. payment cards namely credit. The main advantage of any credit card - interest free period (In the people, it is often also called the "grace period"). To put it simply, this is a period of time during which you can use the bank's funds absolutely free of charge! And in some cases, even withdraw cash from ATMs without a commission and also do not pay anything extra for it within the framework of grace period.
This unique credit card opportunity gives us additional benefits, but only a few use this potential. And very few people do it as efficiently as possible. In the article we will share with you the secrets of credit cards and tell you everything in as much detail as possible.
As mentioned earlier, one of the key benefits of a credit card is interest free period, that is, the time when you can use the bank's funds absolutely free of charge for yourself. This option of hers made such payment cards very popular not only in Russia, but throughout the world, because the end buyer has additional opportunities to make a purchase. At the same time, this can be done “here and now” and win in price, for example, if you take something at a “hot price” during sales at retail outlets or when money is needed for urgent needs of a different nature, but there is nowhere to borrow for a short time, yes and expensive it’s not for friends to walk, humiliating, right?).
Credit card perfectly solves this problem, and in your favor, because if you make a purchase within the grace period, then you pay the bank whole 0%, i.e. 0 rubles! That is, for you, such a short-term loan will be completely free. You, in fact, own the money of the bank, as if it were your own, but with the proviso that you will make mandatory payments on time and repay the debt before the end of the grace period. Which bank to look for a long grace period? Let's help you find the answer 🙂
This is how it works long grace period For example interest-free loan at 110 days. The image is clickable!
It should also be noted that the grace period for a credit card starts from the moment of the first card transaction. And he always renewable: that is, you paid off the debt within an interest-free period and you can take the money again, and again it will be free for you! There are no restrictions, the main thing is to make payments on time (usually at least 5% of the purchase amount in each month of the grace period and full amount at the end grace period)!
Not all banks are ready to lend for a long period, and even for free. In most cases, we are dealing with a grace period of everything 50 or 55 days. What a month and a half! You won't run away. Banks understand this, so they take marketing moves ( as a rule, if the interest-free period is short, then you will have). But cashback is not always needed by the client, so some banks really went aside long grace period. And this experience was successful.
At the moment in 2019 in Russia, the most successful are three cards banks: " Alfa Bank» (), « Raiffeisen" () and " Ural Bank for Reconstruction and Development» ( + 1% cashback on everything and 10% cashback on purchases in special categories). Each has its own conditions and features. We will analyze them in more detail in our article.
Credit card for cash withdrawal
Usually, the grace period only applies to for card purchases, however, to a part, there are exceptions to this rule ( for example, Alfa Bank allows you to withdraw cash from your credit card in any ATM of the world without commission and within the interest-free period ). And such a profitable tool of 2019 turned out to be in our review! 🙂
Card with a large interest-free (grace) period: benefits
There are several ways, they differ depending on what opportunities a credit card can provide you with a large interest-free (grace) period. If the card can withdraw cash from ATMs without interest and within the grace period (as with the Alfa Bank card), then it is advisable to transfer funds from it in this way to any short-term bank deposit with a monthly capitalization payment or to a debit card with a good interest for the remainder.
Interest-free cash withdrawal from the Alfa Bank card - 100 days
The most universal option, in our opinion, is the option " interest on balance» by debit cards. All you have to do is select the card you want to pay with. good interest every month.
We have chosen for ourselves the debit card of Home Credit Bank - " ", since this bank charges one of the most high interest for the remainder on the market 10% per annum(for those who issue a card now) and 6% per annum for existing customers, interest is charged daily, and are paid monthly. Money from the card can be freely withdrawn inanymoment without losing the interest rate and at any ATM, by the way, while the card itselffree. And for purchases on it you can get a good cashbackup to 10% cash. And the bank itself is reliable (this is the "daughter" of a reliable Czech Bank Home Credit).
You can also check out our detailed. You can make a card. Map gives 5% per annum for the account balance.
The second option is debit card« «, for which new users are charged interest on the balance 5% per annum. This percentage is given on any amount of the balance up to 300,000 rubles. Payment of interest once a month, interest is accrued on each day of the account balance, summed up for all days of the month and paid on the day of the card statement.
To receive interest on the balance, you need to make purchases on total amount from 3000 rubles per month. For free cards, you need to keep on your account from 30,000 rubles all the time. Cash withdrawal at any ATM in the world is free of charge from 3000 rubles. There are a lot of points of replenishment of the card.
Free debit card " Home Credit - Benefits": receive 10% per annum for the balance and cashback in popular categories 10% at the gas station 10% - for clothes, bags and shoes, 3% - cafes, restaurants, fast food and pharmacies. We also have on our website.
At the moment (in the winter of 2019), bundles: Alfabank credit card - "" + debit card "" or are perfect a combination that gives you only one solid benefit when shopping or just storing funds! After all, using bank funds withdrawn from an ATM for free within 100 days, You are getting one of best interest on the balance + good cashback for purchases with a debit card.
Free use of cash from a credit card
You simply withdraw money from your credit card "100 days without interest" (each calendar month), deposit them on a Home Credit or Tinkoff Black debit card (you can even use both cards), get benefits during an interest-free (grace) period. And at the moment when you need to pay off the debt in Alfa Bank, just withdraw necessary funds from a debit card and pay it off (including minimum monthly payments). Then, when the interest-free period resumes, you do the same scheme again, because the grace period renewable, which means that we can repeat unlimited number of times such a scheme 🙂
Example: per cycle 100 days grace period from monthly making 50 000 rubles cash from the card "" to the card, for example, "" with 10% per annum we have a total yield 2533 rubles for 100 days due to capitalization and constant monthly contributions. Since the cost of servicing for the first year on a credit card from Alfa Bank zero, then only a solid benefit comes out. You can turn such a scheme at least 3 times in a year and get more than 5000 rubles profitability just like that. Because you have these cards.
And this is only the income from interest on the Benefit card. If you use this free map with cashback(and he's very bold here: 3% at the gas station 10% for clothes, bags, shoes, 3% to any public catering, pharmacies and 1% everything else) for purchases, then your profit will increase significantly! But stay here be careful A: Don't be tempted to spend more than you have money. It is better (when using the second method) that on the “Benefit” card, in addition to the money from Alfa Bank from a credit card, there should also be your money, which you will spend.
Active use of maps "Benefit" or "Tinkoff Black"(i.e. adding to credit funds of their own, using both debit cards at once, transferring monthly salary, as well as making purchases with cashback within free - their - Money) significantly improves efficiency b from using the schema at times.
Moreover, if you set a goal, then the profitability can be scaled - issue cards for several family members and increase your overall profitability under this scheme several times.
Checkout free debit card " Benefit"you can, but a credit card" 100 days without interest"(By the way, if you issue it until December 31, 2019, then the first year of service will be free)- . A bank debit card Tinkoff» — . Thus, the cost of a credit card pays off already in the first 100 days at basic rates, and with free service in the first year - and in general one big benefit! It is also worth noting that both debit cards (Tinkoff Black) and Polza have a free service option.
Why not give it a try, because anyway this credit card is completely free for the first year of service? If you don’t like it or don’t succeed, you can close it without consequences.
How to extend the interest-free period to 220 days and even more?
It should also be noted that on the Alfa Bank card - "" an option appeared - balance transfer. This option assumes free repayment of the current debt on a credit card in another bank. Limit per transfer up to 800,000 rubles. Can be repaid per year up to 3 credit cards other banks. In fact, this is a free refinancing of a loan in another bank. At the same time, as always in refinancing, you should not have delays in payments on a credit card from another bank.
Such a scheme, in fact, provides credit holidays, because you can not pay interest within the framework of a credit card of your other bank (for an interest-free period) + a long interest-free period is given from Alfa Bank. Good savings come out if you follow the conditions.
Credit card: requirements for a borrower in 2019
The key to a favorable interest rate and approval of a credit card, in principle, is a number of parameters that it is desirable to comply with before applying for such a bank card. At the moment, the most typical requirements of banks are as follows:
An important point on financial self-defense: when applying for credit cards, make sure that you do not connect any insurance! Bank managers like to offer something like that and slip it in for a signature (it’s understandable, this is their bonus), but don’t be fooled! Be sure to carefully review the terms of the contract. 🙂
Credit card "Alfa Bank" - "100 days without interest"
This is a long lasting card. Alfabank was one of the first to launch a card product that offers such a long grace period that reaches as much as 100 days. Consider that for more than 3 months you can use the bank's funds at your discretion, depositing only every month within the interest-free period no more than 5% (but not less than 320 rubles) from the amount of purchases made in the statement generated by the bank.
Credit limit renewable: After paying off your current debt in full, you can shop again against the new grace period of 100 days. You can learn more about how this credit card works in an explanatory video from Alfa Bank itself. We have added this video to the article for your convenience.
The card has a unique property - it is an opportunity within your credit limit withdraw 50,000 rubles every calendar month!
That is, in fact for 3 months within the grace period for free cash out up to 200,000 rubles! If you correctly distribute withdrawals within a calendar month.
Transfer money, for example, to a settlement-replenished bank account, to a card on which interest is charged on the balance, or a short-term deposit and receive income from monthly payments by him. And all this just because you use a credit card! 🙂
At the same time, for this the bank won't take a commission! Even an ATM does not matter: Alfabank will not take a commission when withdrawing funds from any ATM in the world! In this case, the withdrawal of funds is included in interest-free, i.e preferential period of operations on the card! Separately, we want to note that the limit of 50,000 rubles is the same for all credit limits on this card (naturally, for those that are not lower than 50,000 rubles 🙂), that is, whether you have, for example, a credit limit of 60,000 rubles or all 300,000 !
Since December 2019, the card " 100 days without interest has become even more accessible. If it is issued until December 31, 2019, then the first year of service for it will be completely free! Ideal conditions in order to implement the scheme described in the article with earnings on a credit card for the benefit of you!
This is a unique property of the card!
Competitors cannot yet offer Alfa Bank anything like this in return. It is for this property that we love this card so much, and even if it has the shortest long interest-free period, other credit cards can’t do that! 🙂 In addition, the map " 100 days without interest» supports the option « balance transfer", that is, she can close a credit card debt in another bank for free, refinance it.
- interest-free grace period 100 days- on the all shopping + cash withdrawal at ATMs: commission for cash withdrawal ( 0%
), i.e is absent(but not more than 50,000 rubles per calendar month); within one grace period, you can receive up to 150,000 rubles without commission.
You can also withdraw more than 50,000 rubles per month, this operation will also within the grace period(you will only pay a withdrawal fee of 5.9% - but not less than 500 rubles - of the excess amount). - release free, when issuing a card until December 31, 2019 first year maintenance cost free.
From the second year of service (per year) 1190 rubles according to Classic (for bank customers) and 1490 for everyone else - the cost of maintenance can be easily recouped in the first hundred days; - replenishment from other cards, as well as Internet banking and mobile bank Alpha Mobile Light free;
- SMS informing is paid: 59 rubles per month (but you can always turn it off and use mobile application or Internet banking, payments Android Pay, Samsung Pay, Apple Pay);
- the opportunity to open accounts in dollars and euros for free (you can replenish them, including using international bank details), profitable exchange rate within the Alfa Click Internet Bank;
- no need connect service packages;
- credit limit up to 300,000 rubles (according to Classic), up to 500,000 rubles(GOLD) and up to 1,000,000 rubles(according to Platinum);
- interest rate from 11.99% per annum for everything that is not covered by the grace period
(for such a rate, it is desirable to have a salary of at least 5,000 rubles per month (2-NFDL), or have a car for 4 years, or travel abroad with a passport for a year); - support option " balance transfer" (can for free refinance a debt on a credit card of another bank); no more than 3 times a year, the maximum limit for such a transfer on one card is 800,000 rubles.
- to obtain a card, you need a Russian passport + any additional document of your choice
(SNILS, TIN, driving license, international passport, medical policy); - You can
(no more than 10 minutes), during the day the bank will inform about its preliminary decision and tell you when you can pick up the card and provide Required documents at a bank branch. Filling out the questionnaire online significantly saves time, as it eliminates the need to once again beat the bank's thresholds 🙂 The preliminary decision will already be known within 2 minutes from the moment the application is submitted. Alfa Bank launched instant delivery this credit card. This means that in 30 cities of our country, the courier will be able to deliver this card to you " day to day» from the moment your application is approved. This is for free.
Free UBRD credit card: 240 days without interest and with cashback
This card is clearly out of the paradigm that modern banks in Russia are trying to offer us, namely the choice: either a long interest-free period or cashback. But then the Ural Bank for Reconstruction and Development appeared, which crossed out this unspoken rule from everyday life, offering two fat pluses on its credit card at once - a very large interest free period that reaches gigantic 240 days+ more and cashback for all purchases 1%, including categories that are rare in terms of cashback, such as utilities, mobile communications, taxes, fines, penalties and insurance! And also also 10% cashback in special categories!
For a moment, 240 days- This the longest grace period, at the moment, which give credit cards on an ongoing basis! In addition, now the bank issues a card with free release and free service. At the same time, the bank also allows you to take a card under the old conditions, that is, with a standard grace period of 120 days. It's up to you to choose 🙂 All the details about this credit card are below.
You can get yourself a card and with cashback up to 10% both with and with integers no interest!
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Article last updated: 12.12.2019
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Passport Application
Up to 700,000 rubles
Issuance automation
CheckoutA credit card with cash withdrawal is available to every client subject to simple security requirements. Setting a limit borrowed money and interest rate on an individual basis. Additionally, bonuses and discounts from partners are provided.
Order online credit card without interest for cash withdrawal
Credit card without interest for cash withdrawals, without visiting the office. This option is provided by most issuing banks. The user is prompted to fill out a simple questionnaire and confirm their actions with a one-time code. Upon prior approval, the client is invited to the banking division to provide documents and conclude an agreement.
For loyal borrowers, the procedure is simplified when applying through Personal Area. It is enough to decide on the type of payment system, the size of the loan and a set of additional options (increased cash back for certain categories, availability of insurance for those traveling abroad, etc.). The signing of the contract is carried out at the time of issuance of plastic.
When choosing a credit card with the possibility of cashing out, it is important to pay attention to other product parameters: the duration of the grace period, the interest rate, minimum payment.
Issuance of a credit card for cash withdrawal without commission
The process with no commission for cash withdrawal is carried out according to standard technology. It includes 4 stages:
- Submission of an application in any convenient way: online, in a bank department, on an intermediary website, through a call center and others.
- Consideration of the application. If the amount of the credit limit does not exceed 200 thousand rubles, then an express analysis of the borrower's reliability is carried out. His rating is formed on the basis of data from public sources, questionnaires and BCI. If the limit is exceeded, it is possible to request confirmation of financial stability according to the 2-NDFL certificate or a certificate in the form of a bank.
- Getting a decision. The client is notified by phone or by sending an SMS notification. At this stage, the established limit and interest rate are agreed upon.
- Making and issuing credit cards. The conditions and place of obtaining plastic are negotiated at the stage of filling out the questionnaire.
A good credit history is one of the main criteria for obtaining a credit card on favorable terms.
Age limits, source of income and type of employment requirements are similar:
- age - from 21 years old (for participants salary projects, significant customers it can be reduced to 18 years);
- minimum income - from 10 thousand rubles (for cities of federal significance - from 15 thousand rubles);
- work experience at the last place of work - from three months.
To increase the chance of approval of the stated credit limit, you can provide a certificate in the form of a creditor or a supporting document, if available additional income. The information is confidential and is not subject to transfer to the tax authority.
Get a credit card with free cash withdrawal
You can get a credit card with free cash withdrawal in the following ways:
- in a banking unit in the region of residence (classic method);
- courier home delivery;
- at the place of work for participants in salary projects;
- postage.
Maybe . The client is provided with an unnamed Momentum. Its distinctive features are: low limit (limited to 100 thousand rubles), medium level of protection, limited offers from partners. This is the best option if you need money urgently. In the future, it is recommended to replace it with ordinary plastic with a multi-level protection system.
A credit card can be approved by a borrower along with a non-purpose loan or mortgage. The term for the decision of the bank is 30 days.
Credit cards for cash withdrawal with a grace period
Credit cards for cash withdrawal from - a demanded financial product. This is due to the fact that in Russia another 15% of the turnover is in cash.
When cashing out money and timely making a regular payment, no interest is accrued, that is, the grace period is not interrupted. For the operation, it is possible to charge a commission in accordance with the collection of tariffs. It varies in the range from 2 to 4.9%, at least 390 rubles.
Almost all banks set a limit on the minimum amount debit transaction through an ATM in the amount of 500 rubles.
Credit card with the possibility of interest-free cash withdrawal
Cards with the possibility of interest-free cashing out of the credit limit allow you to avoid commissions for cash withdrawals. The holder can save, but at the same time use the money in the account at his own discretion.
Benefits of a credit card individuals obvious:
- Savings on interest by maintaining the grace period;
- elimination of short-term financial difficulties without obtaining a loan from a bank or an MFI;
- control over the movement of money through a personal account;
- registration according to the minimum package of documents;
- getting cashback and others.
Credit cards with the possibility of withdrawing money are indispensable in emergency situations. The holder can avoid commission and accrual of interest on the loan with timely repayment of the debt. However, more stringent conditions can be set on the card: a high interest rate, the presence of an annual service fee, a small grace period or its absence. These parameters should be taken into account when designing a product.
Earned funds are often not enough to fully meet all their needs. People consistently take loans for certain needs. The most convenient option is to use a Sberbank credit card, because this financial product has a lot of advantages compared to conventional ones. consumer loans. How to use a Sberbank credit card so as not to pay extra interest, what commission is charged from a client when withdrawing cash?
How to use a Sberbank credit card?
The best option is to pay by credit card retail chains where there are installed POS-terminals. In this case, the client is charged interest only on the money used, and additional interest - for withdrawing funds - is not charged. Sberbank does not provide for writing off commission for non-cash withdrawals (payment for purchases through the terminal).
Moreover, Sberbank provides a grace period for using money from a credit card - up to 50 days. If during this time the client has fully repaid the debt on the card, then the credit money will be used free of charge, that is, no interest will be charged on them. This only works in the case of non-cash payments.
If at this time the borrower withdraws money, a commission is charged. Moreover, the grace period of lending is lost, interest begins to "drip" immediately.
50 days is the time from the moment the card is activated, and not from the moment of each payment, or cash withdrawal.
If a Sberbank client cannot or does not want to repay the entire borrowed amount at once, he is obliged, under the terms of the loan, to repay the required monthly interest. The remaining amount will accrue interest, the amount of which is prescribed in the terms of the contract.
How to withdraw cash from a Sberbank credit card?
If there is a need to withdraw cash from a Sberbank credit card, you can use one of the proposed methods:
- through the cash desk of Sberbank (if the card was not at hand - this convenient way. You only need to have your passport with you)
- through a Sberbank ATM (you can’t do without the “plastic” itself);
- through a cash desk or ATM of third-party financial and credit organizations (in this case, the percentage for withdrawal will be higher);
- through payment terminals (you will also need a Sberbank debit card);
- by postal transfer (a payment for the service of sending funds by Russian post will be added to the commission for cash withdrawal);
- transfer through systems such as Unistream and Contact (in this case, the commission is very high, so it is recommended to use the system only in the most extreme cases);
- through online wallet(requires a debit card linked to the wallet);
- through a cell phone account.
What is the percentage for withdrawing cash from a Sberbank credit card?
Sberbank credit card owners are wondering: is it possible to withdraw cash from a credit card without paying an additional commission through an ATM? Unfortunately, there is no such possibility. For cash withdrawals through an ATM, the following percentages are provided:
- through a Sberbank ATM - 3% of the amount, but not less than 390 rubles for one withdrawal;
- through an ATM third party bank- 4% of the amount, but not less than 390 rubles.
Important! Many Sberbank credit card holders are perplexed when at least 390 rubles are debited for cash withdrawals. The fact is that this tariffing has been valid since February 2015. Previously, the commission was 3%, but not less than 199 rubles.
Even if a client withdraws only 200 rubles from a Sberbank credit card, a minimum commission of 390 rubles will be charged for the operation. That is, 590 rubles will leave the card (200 to the client, 390 to the bank). Further on this commission, as well as on the money used, interest will be charged.
To withdraw less than 13,000 rubles at a time is not the most profitable business. Each withdrawal will be charged a minimum percentage.
How to withdraw cash from a Sberbank credit card without interest?
To get cash from a Sberbank credit card, there are many non-cash transfers for cashing out money. The procedure is as follows:
- from a credit card, you need to transfer money to an electronic wallet (QIWI, Yandex, Webmoney);
- from wallet to debit card;
- withdraw cash.
In this case, the electronic payment system will charge from 0 to 0.75% of the transferred amount for the service. Further, the electronic wallet will also take its percentage from the debit card - from 1 to 1.5% of the withdrawn amount. And yet, the percentage for withdrawal is lower.
This method is acceptable if you urgently need to replenish your own or someone else's Sberbank card with cash, withdraw cash that is available only on a credit card. Withdrawing cash from a credit card through an ATM and cash desk is expensive. A better option is to use this method. In this case, there will be no withdrawal interest, since the bank will accept the transaction as a payment, interest will be charged only on the transferred (used) money, and the grace period will remain.
Also, the method will appeal to those who often use services electronic wallets. But, there are some nuances here: each wallet has a limit on the amount of money transfer per day. It may happen that, having transferred money to an electronic account, it will not work to withdraw it today.
Restrictions and limits on cash withdrawals from Sberbank credit cards
Sberbank credit cards are recommended to be used for the most part to pay for services and purchases. It is unprofitable for the bank when a client withdraws money from a credit card, because by doing so he brings losses to the bank. Therefore, cash withdrawals involve additional fees.
What are the restrictions on using a Sberbank credit card?
- payment for services and purchases per day - for any amount;
- cash withdrawal from a credit card through a terminal - no more than 50,000 rubles per day;
- cash withdrawal from a credit card through the cash desk of Sberbank - no more than 150,000 rubles per day;
- cash withdrawal from "gold" credit cards of Sberbank - up to 300,000 rubles per day;
- replenishment of a Sberbank credit card - up to 1,000,000 rubles per day.
How to cash out a credit card without interest Hello, dear readers! This week turned out to be “successfully” for incidental situations.
One of them involved a client of our bank. He issued a credit card, but did not delve into the terms of its use.
And when I started withdrawing cash through an ATM, I was upset that I had to pay a certain percentage for the service.
Later he poured out all his frustrations on our bank employees. Colleagues sent it to me.
During the conversation, I told him why interest is taken and how to cash out a credit card without interest. I hope he enjoyed the conversation. Helpful Hints on this subject I will give you.
How to withdraw money from a credit card without commission
AT recent times many people use the services of a bank and borrow large amounts in order to cash them out from a credit card if necessary. Borrowers are not satisfied with the fact that money is withdrawn from the account with very large overpayments for services.
Attention!
As a result of such an operation, a person does not have the amount that he expected to receive at all. Many depositors are not averse to learning how to save money by reducing the commission, or even withdraw money from a credit card without a commission.
The conditions for withdrawing funds are determined by the provisions of the contract concluded by the bank and the depositor. The whole procedure for withdrawing money under the agreement is strictly regulated: sometimes there are no interest for services at all, in some banks they are maximum.
Most banks do not charge fees for cashless payments with a credit card. How to withdraw money from a credit card minimum commission?
- The interest for servicing is minimal when cashing out your own funds, which were previously deposited on the card.
- The commission will be relatively high when withdrawing money from the terminal of your bank.
- The maximum interest will be when withdrawing funds from ATMs of other banks.
Certain options are possible here: for example, not all banks provide the opportunity to withdraw money from a credit card without commission, even own funds customer. Some banking institutions charge from 1 to 10% of the amount of cashed money for such an operation.
There may be such an option: without a commission, only a certain small amount is allowed to withdraw. Some banks introduce a minimum of interest payments, so in some cases it is not profitable to cash out small amounts.
However, there is a way to withdraw money from a credit card without interest. This option is not standard, but it is: the required amount must first be transferred from a credit to a debit card, which is open in the same bank.
After that, you can withdraw funds already from a debit card without interest for cashing out. However, it is worth noting that banks have recently been less likely to provide such an opportunity to borrowers. It is possible that in order to comply with the conditions for issuing cash without commission, the bank will set a minimum withdrawal amount.
Many banks are aware of such an opportunity for the borrower to cash out funds without a commission, some of them position it as additional service. In such a case, banking institutions are trying to benefit from the already working tool to the maximum.
A warning!
All sorts of tricks and loopholes are good, but the decision to cash out money from a credit card without commission may not be the only correct one. Problems with paying interest on card services can also be avoided in the case of non-cash purchases.
Given all of the above, we can recommend using credit cards for their intended purpose. In this case, there will be a grace period, an account limit that will constantly increase, bonuses, the opportunity to participate in many promotions and drawings of valuable prizes, as well as the opportunity to enjoy other privileges and offers.
source: zanimaem-online.ru
How to get cash from a credit card without commission
At bank card there are a number of advantages: ease of registration, interest-free grace time, bonuses, etc. But one of the disadvantages plastic card There is a fee for cashing out at ATMs. But there are options that will help to bypass this fee through a transfer to another card, electronic wallet, etc.
Credit card
Credit cards are a tool that is intended for the implementation of cashless payments.
To force citizens to use credit cards to pay for purchases and services in retail outlets or on the Internet, as well as to discard the possibility of using credit money for cashing out funds from other accounts or placing them in a banking organization at interest, special tariffs are assigned for money withdrawals, transfers and other actions.
Why there is a commission Each financial and credit institution directs all its activities to profit.
Since renting a place, servicing an ATM and spending money on the operation of the machine will be expensive, when cashing out, interest is deducted from the card, the amount of which can vary greatly among different banking organizations and sometimes reach more than ten.
In order not to scare its customers by constantly withdrawing interest for any action, the banking organization does not charge a commission for some of them. For example, when paying for services and goods for non-cash transactions through the store or the Internet.
As well as mobile phone top-ups, cable TV fees and utilities through the terminal. Such payments are profitable and convenient. This is the only option for interest-free loans. The grace period of the card lasts from 50 to 60 days. If you put money on the card during this time, no commission will be charged.
How to cash out money from a credit card without commission?
Many are interested in the question of how to cash out money from a credit card without a commission. There are several options for how to do this. For example, you can pay for some product in a store, and then give it back.
The store in such a situation will give you the funds in cash through the cashier. You can also buy something on the Internet, and then refuse the purchase, leaving the details of a debit card for a refund, from which you can cash out money without interest.
You can also transfer money from a credit card to a debit card, which is open in the same banking organization. After that, you can cash out money already from a debit card.
But it is advisable to use a credit card for cashless payments when there is an interest-free time of 50 days, and not figure out where and how to get cash for free. And if you really need funds, then it’s easier to take a consumer loan, where the interest will be less than the rate on a card loan, the value of which will be 24% excluding commissions.
Through the Internet
You can withdraw funds from a credit card via the Internet. Many people know what an electronic currency is. In this situation, you should be interested in the Qiwi service. It is he who allows you to withdraw cash from a credit card without commission using a simple, step-by-step system.
To do this, you need to follow these steps:
- Get a Qiwi wallet. You will need a phone, internet and a few minutes.
- Transfer funds from a credit card to an electronic account. If cash is difficult, you can apply online loan on a card even without a credit history.
- Transfer funds from an electronic account to a debit card of any banking organization.
- Withdraw cash without commission.
If you know at the stage of issuing a credit card that you will withdraw money, then the main parameter that you need to look at when choosing a card should be the withdrawal fee.
Advice!
Spend a few hours learning bank rates for withdrawal. For example, in Uralsib Bank, the commission is 2% of the amount, at least 300 rubles, in Homecredit Bank, the commission will be 4.9%, min. 100 rubles, in Trust Bank - 4.9%, min. 290 rub.
Among the cards without a withdrawal fee, but without a grace period for withdrawal, one can single out the Raiffeisen Bank card. Also, the Soyuz organization and Nordea Bank offer credit cards with free cash withdrawals, but without grace time at all.
At Tinkoff Bank
AT bank Tinkoff do not provide for various commissions if you withdraw more than three thousand rubles from it at a time. If less than 3 thousand rubles are cashed out, then the commission will be equal to 150 rubles. The fact is that three thousand rubles is not a lot, and they are always on a credit card.
There is also a monthly cashout limit, which is 300 thousand rubles plus the amount of interest that is charged on a credit card from your deposits.
That is, you can withdraw 3 thousand rubles at all ATMs many times, but the size withdrawn money should not be more than 300 thousand rubles and plus the amount of interest not withdrawn from deposits before. If you exceed the limit, then the commission will be equal to 2% (but at least 150 rubles must be cashed out at a time).
In Sberbank
One of the most available ways withdrawing finance from a Sberbank card is to ask the cashier for help or go to the organization's ATM. In this case, you need to count on a commission in the amount of one to one and a half percent.
In order to cash out money with the smallest losses, you must use the following scheme:
- Get a Sberbank credit card.
- Register in a payment system that accepts and transfers funds to a debit card. These include, for example, Yandex money or Qiwi wallet.
- Transfer the required amount from a credit card to a Qiwi wallet. This will allow you to lose only 0.75% of the amount of the transfer, but there is still a grace period, because the transfer to the wallet of this system is not considered a transfer of funds, but rather the purchase of a product (service).
- Open a debit card at a bank where you can withdraw funds without commission, and accepting money will become free.
- Send money transfer from Qiwi wallet to debit card.
- Withdraw funds from the card in any way.
Of course, in the registration procedure, you need to look at the conditions for interest-free withdrawal or replenishment of a debit card, because different banking organizations have their own conditions that can change. Such schemes justify themselves if you need to withdraw a lot of money.
at Alfa Bank
Bank commissions for cashing out The most elementary option that Alfa Bank offers for cash withdrawal is using an Alfa Bank ATM. To do this, you do not need to go to the bank office, the devices can be in shopping centers, cinemas and other places. The Alpha logo is easy to recognize, and using the ATM is simple and affordable.
The location of the electronic device in the city can be found by going to the official website, which also indicates the opening hours. There is no commission if money is withdrawn from a debit card, that is, it is your own money from a client of a banking organization.
In the situation of using a credit card, there is a commission according to the agreement. If you need a currency that differs from the currency of the debit account, then when cashing out, a conversion takes place at the rate, interest is charged for this process.
A warning!
If you need money at the moment, and there are no Alfa Bank ATMs nearby, you can withdraw funds without commission through the electronic devices of partner organizations. This means that you can use the services of an ATM of another organization under the same conditions as in Alfa Bank devices.
This opportunity arose a few years ago due to the tendency financial institutions to make your services even more attractive for customers, and the service even more convenient.
Bank Aval
It often happens that when applying for a credit card from a bank, we forget to ask where there are ATMs of this organization or ATMs of partner banks. It turns out that in a small town there are not enough ATMs of a developing organization, and we are in a hurry to cash out money from a credit card as soon as possible.
It turns out this situation: you follow home and think where is the nearest ATM of your organization for withdrawing money without interest, but it turns out that there are only two of them and they exist on different sides city, then you follow to a nearby ATM of any banking organization, which is registered - the commission for withdrawing cards of other banks is not charged.
You put in a card and withdraw the money you need, but you soon find that your account balance is much smaller. It turns out that you were deceived. Banking organizations spend with interest on cards of other banks, and this is no longer a secret.
In order not to become a victim of overpayment when cashing out, you must know which partner banking organizations offer to use their ATMs without withdrawing extra interest and which organizations they belong to.
Bank Aval cooperates with several banking organizations, which allows customers to withdraw cash from the card without paying additional interest from the ATMs of these organizations. A number of partner banks of Raiffeisenbank:
- UniCredit Bank.
- JSCB Rosbank.
- Uralsib.
- MDM bank.
- Tatfondbank.
All sorts of tricks are good, but the decision to withdraw funds from a credit card without a commission may not be the only true one. Problems with payment of interest for the card service can also be avoided in the situation of non-cash purchases.
It can be advised to use credit cards for their real purpose. Then there will be a grace period, an account limit that will grow, bonuses, the opportunity to use other privileges and offers.
source: http://site/zaimgid.ru
As you probably already know, it is dangerous to withdraw money from an ATM with a credit card due to extortionate commissions and increased interest on the loan. One of the ways to cash out a credit card, bypassing the direct cash withdrawal, we will describe in this article.
Attention!
Everyone is well aware of such a payment system as Qiwi (qiwi.ru). And many already have a wallet in this system. If not, it is very easy to register, all you need is a mobile phone. You do not even need machine guns that are stuck everywhere like mushrooms. You can register now online.
We will transfer money from a credit card to a wallet in this system. Replenishing this wallet qualifies as a purchase, which is exactly what we need to keep the grace period and low interest on the loan.
Cashing out a credit card
You can replenish your wallet at 0.5-0.75% directly from the interface. Select in the top menu Top up -> Bank cards. The Register card button will appear. Press it and follow the instructions of the system. After linking a credit card, you can transfer money to your wallet. The credit card can be of any bank. In general, there is nothing complicated here.
Now we need to withdraw our money from Qiwi wallet. To do this, you must have a debit card of any bank presented on the Qiwi website at the top in the menu section: Withdraw -> Bank accounts / cards. If there is no card, then it will not be difficult to issue it, since banks distribute them to everyone.
Choose your bank, enter the necessary data and withdraw money to your card. Then withdraw them from your ATM! Usually the transfer of funds is carried out instantly.
When withdrawing funds, Qiwi also takes a commission. It is different in all banks, but much less than it would be when cashing out a credit card directly, and most importantly, you have kept the grace period and low interest on the loan!
Cash out a credit card - basic methods
How to cash out a credit card Credit cards are cashed for different purposes. Someone needs a large purchase, and you can only pay for it in cash.
Someone needs working capital for business. Someone wants to make money on income cards using only credit funds.
In this article, we will consider ways to cash out a credit card to maintain a balance of 100,000 rubles on an income card, for example, on Tinkoff Platinum with a yield of 10% per annum.
1. Option: ATM
The simplest thing that can come to mind is to find a card with a minimum commission for withdrawing cash and not falling out of grace. There are such cards, but the benefit will be minimal. Of those listed on the link, the Oksky bank card is the best for us. Service 0 rubles, grace up to 51 days.
According to rough estimates, we will need to turn money from a credit card to a profitable one and back 7 times a year. Total 10-7=3% or 3000 rubles of income from credit money.
2. Option: QIWI → internet wallet
In this option, QIWI acts as an intermediate link in your “credit card-income card” scheme. To use the schema:
- Register on QIWI.
- Link your credit card to your QIWI wallet.
- Replenish your QIWI wallet by selecting: Replenishment - Bank cards - Select your card. Replenishment will cost you from 0 to 0.75%.
- Withdraw money from QIWI by selecting: Withdraw-Bank accounts/cards-Tinkoff. Withdrawal to this card will cost 0%.
Let's assume that the grace on your card is 51 days, and then, as in the previous version, we need 7 withdrawals/recharges per year. The calculation is as rough as last time: 10-5.25 = 4.75% or 4,750 rubles of income from credit money.
3. Option: Buying QIWI at ATMs
This method will require you to experiment. In fact, it is similar to the previous one. Only the QIWI replenishment operation, you will need to carry out at ATMs in the QIWI wallet replenishment function. What's with the experiments? Despite the fact that:
- There is no consolidated information about which ATMs will accept money from you with a 0% commission.
- Some ATMs during this operation take an increased commission for “their” cards, others for strangers.
- This is the experiment - to find an ATM to replenish your qiwi wallet with your credit card with 0% commission. Find and tell no one, otherwise the shop will be closed.
For this option, the calculation is similar to the previous one. Let's assume that the grace is also equal to 51 days. We, as well as in the previous version, will need 7 withdrawals / transfers. We will transfer through ATMs of Promsvyazbank for 0.75%. It turns out: 10-5.25 \u003d 4.75% or 4,750 rubles of income from credit money.
4. Option: Online translation from card to card
Everything is simple here. To cash out the card, we use the Russian Standard service or Alfa-Bank. When transferring from any card to native cards of these banks, the commission will be 0.5%. It seems to me here that the option with the Russian standard is more convenient, because. he has a free Internet bank and an income card "Post".
Advice!
When using this option, you need to take into account that your bank may consider this transaction as a cash withdrawal and deprive you of grace or apply a commission for cash withdrawal. Grace is still 51 days. We will require 7 withdrawals/transfers.
We will transfer through the Russian Standard service for 0.5%. It turns out: 10-3.5 \u003d 6.5% or 6,500 rubles of income from credit money.
5. Option: Transfer from card to card through ATMs
Variation of the previous method. Some bank ATMs have a card-to-card transfer function. For example, in Russian Standard or Master Bank. We are looking for such ATMs and also transfer for 0.5%.
If the grace is still the same and equal to 51 days, there will be the same 7 withdrawals/transfers per year. We will transfer through Russian Standard ATMs for 0.5%. It turns out: 10-3.5 \u003d 6.5% or 6,500 rubles of income from credit money.
6. Option: Avangard Internet Bank
To implement this option, you will need a credit card from Avangard Bank, access to its Internet bank and a registered QIWI wallet. If this is all you have:
- We go to the Avangard Internet Bank,
- Go to “Payments” and check the boxes “Select only preferential transactions” and “Select only transactions without commission”
- In the “Category of payees” select “payment systems”,
- In the “Payment recipient” field, select “QIWI wallet”,
- Well, then we enter the details of the transfer - the phone number to which the QIWI wallet is registered and the amount of the transfer.
Grace will be 50 days, we will need to make 7 transfers per year. The transfer fee will cost 0%. As a result, it will turn out: 10-0 \u003d 10% or 10,000 rubles of income from credit money.
Summary
This was just a brief overview. Each method has a lot of nuances, besides, the tariffs of banks are constantly changing. Therefore, consider this article not as an instruction for use, but as a hint map. If you have any questions, welcome to the comments.
source: moneyradar.ru
How to withdraw money from a credit card and not fall under sanctions?
Almost all credit cards have a so-called grace period or grace period, during which you can make purchases and pay with a card without interest.
A warning!
Different banks set different terms. As a rule, it is 45-60 days without a commission, during which the entire debt must be returned. However, in most banks, the grace period is valid only for non-cash transactions.
All credit card holders know that for cashing out borrowed funds, the grace period is lost and interest begins to drip. In fact, interest is accrued from the moment the client withdraws funds from the card at an ATM. In addition, for the transaction itself, you will have to pay a commission from the amount of funds issued.
The percentages here are godless and, taking into account recent events, they have risen by another 3-5% points, amounting to 8-10%. However, few people know how to withdraw money from a credit card and stay on the grace period. Today we will look at all the ways that will help you use cash borrowed funds from a credit card for free.
Method one - withdraw funds from a credit card through Qiwi
If you do not have your own wallet in this payment system, the first step is to register. To do this, it is not necessary to leave your home, just open the official website of the payer on the Internet, enter your mobile phone number and come up with a password.
Next, you will need to link a credit card to your wallet: Bank cards - Add. In the field that opens, enter the credit card number and link it to the wallet. Then it remains to transfer money from the card to your Qiwi wallet. This option is not free, it costs from 0.5% to 0.75% of the transfer amount. To withdraw money from Qiwi, you need to have a second card, for example, a regular debit or salary card.
We withdraw money to it, paying a small commission, and withdraw funds from an ATM. The withdrawal fee is 2-2.5%. This is not a little, but still not 8.9%. At the same time, the grace period is preserved, as it turns out a cashless purchase on the Internet. So you save twice.
Method two - withdrawing funds from a credit card through Yandex.Money
If there is no Qiwi wallet, a payment from Yandex is also suitable. In principle, all the same actions, only the percentage will be slightly higher, about 4-5% of the transfer amount, but the grace period will remain.
At the same time, you need to remember that Yandex.Money is very fond of freezing customer funds, finding various reasons. Therefore, it is better to use this method as a last resort, when there are no other options left.
Among electronic wallets, cashing out through the WebMoney system can be called the most profitable. However, the method is only suitable for users who already have an account in the payment system. It will take a lot of time to create it, upload passport scans and receive a certificate. The procedure for withdrawing and receiving money from a credit card is similar to the first two methods. The grace period will remain intact.
However, all of these methods (except the last one) have a small drawback. According to the laws of the Russian Federation, through electronic wallets, you can make transactions in the amount of not more than 15,000 rubles at a time. That is, if you need to withdraw 20,000 rubles from a credit card, then the withdrawal-input operation will have to be done twice.
Method three - transfer from card to card through the MasterCard Moneysend service or a special MasterCard Mobile application
How to withdraw money from a credit card To make a cashless transfer using this service, you need to go to the official website of the system on the Internet, go through the registration procedure and you can use: Money transfers- transfers from card to card. A field with sender and recipient card data will open in a new window.
You need to fill in the information (numbers of both cards, the CVC code of the sender and the expiration date of the plastic). Next, you need to enter the required amount and confirm the operation using a one-time generated code that will be sent to the mobile phone specified during registration.
Just before using this option, you need to familiarize yourself with the tariffs and rules for servicing a credit card issued by your bank. It is known for certain that for such a transfer on credit cards of MDM Bank, Alfa-Bank, Credit-Moscow, the grace period remains intact, but I can’t vouch for others. In addition, many banks put a limit on the transfer through Moneysend, while others charge a commission as for cashing out at an ATM.
Method four - grace for a high percentage
You can cash out money from a credit card and stay with the grace period by replenishing your mobile phone account. That is, you just put the required amount on the phone (1,10,20 thousand rubles), and later, through the same Qiwi wallet, withdraw funds to a debit card.
Attention!
However, you will have to pay a commission if the bank charges one for paying for mobile communications, and you will also have to pay for the withdrawal of funds from the Qiwi wallet.
In general, before choosing a bank for obtaining a credit card, it is better to give preference to those credit institutions and those cards for which the grace period applies not only to non-cash purchases, but also to withdrawals from ATMs. Among these are: UBRD, VTB-24, Renaissance Credit, Russian Standard and many others.
When opening a credit card, you need to study the necessary nuances with special attention. Most of them are intended for transactions inside banking system or via the Internet. If you plan to withdraw cash to a greater extent, you need to select a credit card without a commission for cash withdrawal, absolutely everyone wants to minimize unnecessary costs.
A larger number of cards charge a commission of 1-10% when withdrawing funds through a self-service terminal, but you can still find a credit card for withdrawing cash without a commission. When opening a credit card, you need to ask the bank manager about all its possibilities, it is beneficial for the bank itself to issue cards with service conditions in their favor.
In this situation, we are concerned about being able to withdraw cash without interest, we must definitely talk about this and select a lending program specifically for this item.
Another very important factor when opening a credit card is the allowable grace period in which you can take out a loan and return it to the bank without interest on the use of funds. Not all banking institutions provide such an opportunity.
And the most important nuance is to clarify the size of the allowable credit limit on the card. To date, it is easy to issue a card only if you have a passport, and then rather small loan amounts are issued to get more money, you need to present to the bank additional documents at least a proof of income. This is solely for the benefit of the consumer.
Ways to withdraw money from a credit card
To withdraw cash from a credit card without interest, it must be intended for this type of transaction. You can withdraw cash from a credit card:
- Without interest in the branded ATM of the bank to which it belongs.
- At ATMs of partner banks (for each banking institution they are their own, you can clarify information on this issue on the official website of the card manufacturer). Withdrawing money in this way can be both with a commission and without interest - it depends on the terms of the agreement signed between the banks. In any case, the commission must be acceptable.
- At third party terminals. With the withdrawal of cash from a credit card, problems may arise, other people's ATMs tend not to recognize unknown plastic. Such operations will be carried out unambiguously with the withdrawal of the commission.
All credit cards have a cash withdrawal limit. It can be one-time, daily and monthly. Basically, you can withdraw up to 150 thousand rubles a day from a credit card, in Sberbank today there is a limit of 50 thousand rubles. It is allowed to withdraw three times more at the cash desk of the bank's representative office. The amount of the monthly limit must be equal to the amount of the credit limit.
In this case, as elsewhere, there are a couple of tricks with withdrawing cash from a credit card without commission.
- First option. Most likely, you can pay for a purchase in a large store with a credit card without a commission, for example, to purchase some kind of household appliances. According to the law on consumer rights, it is possible to return the goods without a reason within 14 days and, accordingly, get the money back for it, but already in cash.
- The second method works on the same principle - it is to pay for a purchase via the Internet with a credit card. Having refused the goods, the money paid can be returned to a card of a different type, for example, a debit one. From debit accounts, cash is almost always withdrawn without commission.
The only inconvenience is that in such ways it is unlikely that you will be able to cash out large amounts.
The best lending programs from various banks
Consider the conditions for issuing the best credit cards with a grace period and with cash withdrawals without commission from various banks, or what are the optimal opportunities for using a credit card for customers.
Is it possible to withdraw cash without commission at Sberbank of Russia
With Sberbank credit cards, it is beneficial to receive cash in its branded self-service terms, it is convenient that it is easy to find them anywhere. The grace period on credit cards is 50 days, you can withdraw cash at this time with a commission of 3-4%. Interest rate for using the loan after the grace period 25.9% per annum.
Conditions for using the grace period at Alfa-Bank
Alfa-Bank sets the best grace period for borrowers' credit cards - 100 days, more than three months. Keep in mind: the minimum payment must be made during the first three weeks from the date of cash withdrawal, the remaining debt must be returned in the remaining grace period. Cash withdrawals are made with a commission of 5.9%. Minimum bet for credit cards 23.9%. It is possible to order an Alfa-Bank card with a chip, which allows you to pay for the needs of traveling around Europe.
You can get a standard credit card with the option of withdrawing cash without interest. It is available to individuals with excellent credit history and proof of income. The grace period is maximum, the percentage of overpayment is within 25-37%.
What is the grace period for a VTB 24 credit card
VTB 24 Bank issues credit cards with the possibility of profitable cash withdrawals. At an ATM, the commission will be 1-5.5%. The grace period is set to 50 days. Upset decent annual rate overpayments - at least 28%.
Card from Raiffeisen Bank with withdrawal without interest
Raiffeisen issues to customers who have provided a certificate of income, which indicates earnings of more than 20 thousand rubles a month, a credit card with cash withdrawals from their own ATMs without interest. There is also a negative side - there is absolutely no grace period, interest is calculated immediately after the loan is withdrawn. Overpayment from 36% per year, and credit card maintenance is paid separately on a monthly basis 750 rubles.
Conclusion
Often without interest, you can withdraw personal funds without interest, but as a rule, you have to pay for the withdrawal of credit. It is definitely possible to find and receive a credit card for cash withdrawal without commission. If you need a one-time large loan, it is better to apply for a cash loan and immediately receive the entire amount directly to the branch of the selected office.