Raiffeisenbank: partner banks without commission. Banks are partners of Raiffeisen Bank. Where can I withdraw money without commission? Withdraw cash Raiffeisen

Raiffeisen Bank ATMs are designed to perform a number of operations, incl. free cash withdrawal. In order to expand opportunities, partnership agreements are concluded under which Raiffeisen Bank's partners provide services to the latter's clients free of charge.

Why does Raiffeisen need partners?

Raiffeisen Bank enters into agreements with partners to increase the prevalence of self-service devices everywhere. In large cities, there are usually no problems finding an ATM, but in small towns its service is often unprofitable for the bank. In addition, it is more convenient for clients to have a Raiffeisen Bank ATM located close to their place of residence, work or route to it.

It is not easy to have a wide enough network to be able to compete with other banks. This requires additional expenses for the bank, which leads to worsening conditions for banking products.

When concluding agreements, ATMs of Raiffeisen Bank partner banks help owners of plastic cards to carry out transactions with their help. This is certainly convenient for consumers, because... They have more opportunities and expand the list of devices they can use.

This is also beneficial for Raiffeisen Bank, allowing it to expand its customer base in places where machines are not widely used. Due to the absence of the need to maintain additional equipment, Raiffeisen Bank pays more attention and resources to improving conditions in order to increase their attractiveness in the eyes of consumers.

Available functions of ATMs of partner banks

At ATMs of Raiffeisen Bank and partners, the client can perform the following operations:

• Change PIN code;
• Clarification of available balance;
• Withdrawing cash from a card account;
• Depositing cash into the account (at ATMs that provide this function);
• Transfer from card to card of Raiffeisen or another bank;
• Activation of access to Internet banking;
• Activation of the SMS service, change of phone number;
• Payment to service providers (for telephone, Internet, housing and communal services, etc.).

Most procedures are performed free of charge. This mainly concerns services. Transfers and payments involve a commission according to the tariffs of a specific Raiffeisen card.

Limits and fees for cash withdrawals

The main purpose of self-service devices, according to consumers, is the ability to withdraw funds from an account without visiting a bank office. Like other institutions, Raiffeisen allows you to withdraw money from debit cards without commission. ATMs of Raiffeisen partner banks also support commission-free withdrawals from debit cards.

For debit products, withdrawal fees are:

• At the Raiffeisen box office: 0.7% (minimum 300 rubles);
• At ATMs of Raiffeisen and partner banks: no commission;
• At ATMs of other banks: 150 rubles + 1%.

Withdrawal fees for credit cards are higher:

• At ticket offices and ATMs of Raiffeisen and partners: 3% + 300 rubles;
• In third-party devices: 3% + 390 rubles.

Without commission, withdrawal of money is possible only from a Cash credit card and only at ATMs of partners and Raiffeisen.

When withdrawing cash without commission from Raiffeisen and partner banks, you need to remember that there are limits.

They differ in the types of Raiffeisen cards:

• Instant: 120 thousand rubles per day and 300 thousand per month;
• Classic: 200 thousand and 1 million, respectively;
• Gold: 300 thousand and 2 million.

If you need to withdraw a larger amount than the limit specified, you can do this at the branch by paying a commission for the difference (excess).

Limits may differ at some ATMs of partner banks. To avoid having to pay unnecessary fees, you should carefully study the information on the screen when ordering the operation. Information about the presence of a commission and its size is shown before confirmation.

List of partner banks

Considering the list of Raiffeisen Bank partner banks, one can note their large number and widespread prevalence.

List of Raiffeisen partners:

• BINBANK: 6000 ATMs.
• Gazprombank: about 4000.
• Moscow Credit Bank: more than 800.
• Rosselkhozbank: over 3000.
• Rosbank: more than 2600.
• URALSIB: 1500.
• UniCredit Bank: 1000.

Raiffeisen's own network is represented by 2000 devices. Taking into account the partner equipment indicated in the list, today customers can use more than 20 thousand ATMs throughout the country at loyal rates.

Conclusion

Raiffeisen Bank's partner banks are large institutions that are widespread in different regions of the country. Due to this, Raiffeisen Bank clients can withdraw money from their cards without commission at their ATMs.

Raiffeisen Bank is one of the most widespread financial institutions in Russia. Trust and excessive attention from clients is deserved by reliability, proven over the years, as well as favorable conditions for performing various financial transactions. In particular, users can withdraw money from a RaiffeisenBank card at ATMs without commission. This can be done both at the terminals of the “home” network and at the issuing points of partner banks.

Partner banks of Raiffeisen Bank

As for the bank, the institution can save huge amounts of personal funds that would have been spent on installing ATMs, terminals and their subsequent maintenance.

How to withdraw funds

To withdraw money, no additional instructions are needed. But be sure to remember that partners do not allow you to carry out transactions without a card. You can use financial services without a plastic carrier only at your own ATM.

Restrictions and limits

Interaction between different financial institutions allows you to withdraw personal funds from other banks, but with minor restrictions. In particular, this applies to the limit amounts of write-off at a time. Tatfondbank makes it possible to receive an amount of no more than 9 thousand rubles for one withdrawal. UniCredit allows you to withdraw no more than 30,000 rubles. The biggest restrictions are set by Rosselkhozbank with the withdrawal of 200 thousand. All other partners allow you to withdraw only 150 thousand.

Such restrictions do not mean that large sums cannot be obtained. They can, but only with the removal of the commission. The commission fee is 150 rubles for each transaction plus 1% of the total write-off amount. If cashing out occurs within the limit, then no additional costs will be required. There are also monthly withdrawal restrictions, which depend on the partner’s conditions. Such limits vary within 3 million rubles.

In addition to cashing services, partners provide replenishment services for personal Raiffeisen bank cards, which allows you to always stay in touch. But the maximum replenishment amount for one procedure should not exceed 45,000 in national currency. Whereas you can deposit no more than 450 thousand rubles into your account per month. Otherwise, additional interest will also be charged.

Raiffeisen Bank, like many popular financial institutions, cooperates with other banks. In this case, we talk about 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 of Raiffeisen Bank:

• more than two thousand of our own automated teller machines (ATMs) in Russia;
• more than 17 thousand partner ATMs;
• more than 7 thousand terminals (TSO).

Cash withdrawal

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

The withdrawal limit is 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 bank itself. The average monthly limit for banks is from 300,000 rubles to 3,000,000 rubles.

Replenishment

You can top up Raiffeisen Bank cards at TSO BinBank, MDM, MKB. Depositing to the card account is made without commission. The limit on one-time replenishment is no more than 45,000 rubles. The monthly replenishment limit is 450,000 rubles.

A specific idea of ​​what functionality your Raiff card has leads to its rational use, and information about withdrawal limits at Raiffeisenbank will help you avoid additional costs.

Limits on cash withdrawals at Raiffeisenbank: per day and month

Let's consider how restrictions on receiving money from payment instruments change depending on their type, type and method of withdrawing cash in 2018.

Debit cards

The total limit for performing any debit transactions with a debit card is 6 million rubles per day.

The following restrictions are established per day for receiving cash from ATMs and cash desks and making instant transfers (to other banks or other Reiff clients):

In a month you can spend: For salary clients in 2018, there are special conditions for withdrawing cash from Raiffeisenbank cards (network/partner ATM, cash desk):

• Per day 300 thousand/5 thousand.e.
• Per month - unlimited.

Do not forget that additional restrictions may be set to the general limits on Raiffeisenbank debit cards, depending on the method of receiving money and transferring. For example - at partner ATMs (see below).

The following limits are set for transfers through the site, which are equivalent to cash withdrawal operations:

Credit cards

Everything is simple here. Your credit limit is the maximum amount you can withdraw.

Wherein:

• 60% of this amount – per day;
• 100% - per month.

It should be remembered that any withdrawal of funds from a credit card is subject to a commission (except for ). In addition, such an amount will not be included in the grace period and will be subject to interest - 39% per annum.

Fee for cash withdrawals from Raiffeisenbank cards in 2018

Tariffs for issuing money depend not only on its type, but also on the method preferred by the user.

At network and partner ATMs

The most profitable way is to use a self-service terminal or ATM. In these situations, no commission will be charged on debit payment instruments.

Moreover, the limits on cash withdrawals from Raiffeisenbank cards at partner ATMs in 2018 are pleasantly surprising:

For credit cards, everything is so nice:

• Standard rate: 3% +300 rubles;
• Premium segment: 2% +200 rubles;
• Card Cash: 0%.

The same percentages apply to partner ATMs in 2018.

At the Raiffeisen Bank cash desk

If you need a very large amount of money and you don’t want to spend a lot of time (after all, each ATM has its own limits on one iteration, for example in Reiff it’s 30 thousand), it makes sense to contact the cashier.

For credit cards, nothing changes in the rules - they are serviced at the same rate as at ATMs.

But for Raiffeisenbank debit cards the commission in 2018 will be:

• 0.7% - of the amount of money received, minimum 300 rubles/10 cu;
• 150 rub. - for salary clients, except (standard tariff for her).
• 150 rub. - for owners of the World, World Black Edition or Platimun categories.

Abroad

When withdrawing money abroad, third-party ATMs are used, and therefore a corresponding fee is charged. Banks servicing ATMs, as a rule, do not charge their own commission.

The only exceptions are the owners of Premium Banking PU. For them, transactions at any ATM in the world are free.

It is important to know that emergency cash withdrawal from a Raiffeisenbank card abroad (for example, if you have lost a payment instrument) is a very expensive procedure - 6,000 rubles, and is available free of charge only to premium clients:

In other credit institutions

If there is a need to receive funds from a debit card at a branch of another bank or use its ATM, this will entail additional costs:

• 1% or 100 rubles - All at once, Children's, Buy&Fly
• 1% +150 rubles (5 USD) - others.
• 0% - Premium.

For a credit card, the interest rate for cash withdrawals at third-party financial institutions and ATMs is higher than the basic rates - from 2.9 to 3.9%, depending on the level of the card.

Operations equivalent to cash withdrawal

It is important that a number of operations that are not related to receiving money through ATMs (cash desks) and are carried out non-cash are equated by the bank to cash withdrawal.

Such transactions are taken into account in the total limit for receiving money.

For debit accounts, only transfers to other banks are equivalent to such transactions.

For credit, in addition to transfers, this category includes Quasi-cash transactions. Those. transactions with assets that are directly converted into cash:

• Replenishment of online wallets;
• Purchase of securities, precious metals;
• Payment in online casinos, purchase of lottery tickets, etc.;
• Fees for the above procedures.

Remember that cash withdrawals from a credit card are non-concessional transactions for which interest is charged.

Overdraft - features and pitfalls

In the context of Over draft, clients are usually interested in its “technical” variety - it can arise under different circumstances. Here are the most common:

In its 2018 tariffs, Raiffeisenbank does not indicate what punishment follows an unauthorized overdraft on a debit card (usually it happens when the available limit (balance) on the account is exceeded).

Judging by the reviews and comments of bank employees, interest is not charged and the technical overdraft has no repayment terms (from banki.ru):

Often, however, Reiff flouts his rules by charging interest on the resulting debt. In general, all these situations can be solved:

Remember that an overdraft can occur not only with a Raiffeisenbank debit card, but also with a credit card.

Conclusion

An accurate understanding of Raiffeisenbank cash withdrawal limits in 2018 will save you from unnecessary expenses and save time. It is worth noting that the direct amount of money available for receipt per day and month depends on the type (debit or credit), category of the card and the connected service package. The easiest way to avoid fees is to use a network or partner ATM.

Competition among banks for clients leads to banks coming up with additional conveniences for clients. One of these conveniences is the creation of a partner network of ATMs with other banks so that customers can use the card on favorable terms without being tied to a specific bank. Naturally, clients benefit from this. But unfortunately, not everyone knows about such opportunities and continues to withdraw money from their own ATMs, sometimes creating queues of several people. Below is a list of ATMs of partner banks, where clients of these banks can withdraw money on preferential terms.

Alfa Bank partner banks | 7 banks

Alfa Bank became one of the first banks that began to build a lean ATM network with other banks. And today, Alfa Bank’s ATM partner network is one of the largest in Russia. Alfa Bank clients can withdraw from their cards without commission at ATMs of the following banks: Gazprombank, Otkritie Bank, Moscow Credit Bank, Rosbank, Promsvyazbank, Rosselkhozbank, Ural Bank for Reconstruction and Development.

Rosbank partner banks | 8 banks

Partner ATMs for withdrawing cash from Rosbank cards are as follows: Ak Bars, Alfa Bank, VTB, Gazprombank, Raiffeisenbank, Rosselkhozbank, Uralsib Bank. Since December 2019, Rosbank card holders can withdraw money from Sovcombank ATMs just like at their ATMs.

Partner banks of Uralsib Bank | 5 banks

Uralsib clients can withdraw without commission at ATMs of VTB Bank of Moscow, Rosgosstrakh, Raiffeisenbank, Uglemetbank.

Addition: On August 2, Uralsib abolished the commission for cash withdrawals on its debit cards at any ATMs in Russia for transaction amounts exceeding 3 thousand rubles; for a smaller amount, the commission will be 49 rubles.

Raiffeisenbank partner banks | 10 banks

You can withdraw from Raiffeisenbank cards without commission to Binbank (including cash deposit), Gazprombank, MKB (including cash deposit), Rosselkhozbank, Rosbank, Uralsib, Energotransbank, Unicreditbank.

Promsvyazbank partner banks | 4 banks

PSB card holders can withdraw without commission to Alfa-Bank, Rosselkhozbank, Bank Vozrozhdenie, and AVB Bank.

Gazprombank partner banks | 4 banks

Gazprombank's partner banks are Alfa Bank, Credit Ural Bank (KUB), Belgazprombank. At the ATMs of these banks, you can request a balance and withdraw cash from a Gazprombank card at a rate of 0.5% of the withdrawal amount (Operations in the GPB corporate network), Otkritie Bank.

Partner banks of Post Bank | 8 banks

The Pochta Bank card allows withdrawal on preferential terms (no commission) at VTB Group ATMs, which include the bank of the same name, VTB Bank (Georgia), VTB Bank (Ukraine), VTB Bank (Armenia), VTB Bank (Belarus), VTB Bank (Azerbaijan), VTB Bank (Kazakhstan).

VTB partner banks | 9 banks

The partner banks of the second largest bank in Russia are currently banks that are part of VTB's own group in Russia and abroad. In Russia, this is the united VTB Bank (VTB24 and Bank of Moscow), Post-Bank. Abroad, these are the subsidiary banks of VTB described above.

Partner banks of Rosgosstrakh Bank | 2 banks

You can withdraw money from the Rosgosstrakh Bank (RGS Bank) card on preferential terms at the ATMs of the Moscow Credit Bank. The commission for withdrawing money from a RGS Bank debit card at the ATMs of these banks is 0.5% (min. 50 rubles/2 dollars/2 euros).

Partner banks of Rosselkhozbank | 4 banks

Partners of Rosselkhozbank (RSHB) for withdrawing cash from cards are Alfa-Bank, Promsvyazbank, Raiffeisenbank, Rosbank.

Partner banks of Otkritie Bank | 8 banks

Since April 2019, clients of Otkritie Bank can withdraw cash from a VISA or MasterCard card without commission at Alfa-Bank (including zero commission for accepting cash), Gazprombank, Raiffeisenbank, Russian Standard, Unicredit Bank, Zenit Bank, SKB Bank and GasEnergoBank.

SMP Bank partner banks | 2 banks

SMP Bank's partners are banks included in its structure. These are Mosoblbank and InvestCapitalBank. Withdrawing cash from ATMs of these banks is free.

Partner banks of Moscow Credit Bank | 4 banks

Clients of Moscow Credit Bank can make free withdrawals from MKB's partner integrated ATM network, which includes the following banks: Alfa-Bank (including depositing cash), Raiffeisenbank, UniCredit Bank, Rosgosstrakh Bank.

Sberbank partner banks | 12 banks

Sberbank has partner banks, at whose ATMs Sberbank clients can withdraw cash from a debit card on preferential terms. These conditions may differ slightly in each regional bank, but, as a rule, no commission is charged. Some cards may have a commission of no more than 0.75% of the withdrawal amount.

Sberbank's partners are its subsidiary banks abroad: Sberbank (Kazakhstan), Sberbank of Russia (Ukraine), BPS-Sberbank (Belarus), DenizBank A.S. (Türkiye), Sberbank d.d. (Croatia), Sberbank BH (Bosnia and Herzegovina), Magyarorszagi Volksbank Zrt (Hungary), Sberbank a.d. Banja Luka (Serbian Republic), Sberbank Srbija (Serbian Republic), Sberbank Slovensko (Slovakia), Sberbank banka (Slovenia) and Sberbank CZ (Czech Republic). The collection of tariffs can be found on the bank’s website.

Tinkoff Bank partner banks

As you know, Tinkoff Bank has Tinkoff Black map the commission is the same for all ATMs: for a withdrawal amount of more than 3 tr, no commission is charged, and for a withdrawal amount of less than 3 tr it is 90 rubles. If you exceed the limit of 500 rubles, in both cases an additional commission of 2% is charged. Thus, the issue of partner banks is not very relevant here.

The largest limits on cash withdrawals

When withdrawing cash from ATMs, especially if the ATMs are from someone else’s bank, the question arises: how much can be withdrawn at one time? Below are the banks that have maximum limits for withdrawing cash from a card of another bank:

Alfa-Bank ATMs— the limit on cash withdrawals using MasterCard cards is up to 450 thousand rubles (subject to technical availability).

Tinkoff Bank ATMs— the withdrawal limit at these ATMs is usually 100 thousand rubles per transaction.