How to withdraw money from a Raiffeisen card without paying a commission? This question interests any owner of a bank card. Although using a card for cashless payments is most profitable, it is still worth knowing the withdrawal rules Money in Raiffeisen.
Withdraw money without commission
It is worth noting that the conditions for withdrawing funds will be different for credit and debit cards, so you should consider 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 on the same terms as in your own bank.
From a debit card
You can withdraw money from a Raiffeisen card without commission at any ATM / terminal of a 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 points) and cash desks. It is set at 0.7% (but not less than 300 rubles or 10 dollars/euro).
If the debit card holder wishes to receive cash at branches or ATMs of third-party banks, then the commission for such an operation will be 150 rubles. or 5 USD/EUR + 1% of the withdrawn amount.
From a credit card
For credit cards, tariffs for various operations are set depending on its type, therefore, when drawing up an agreement, it is worth specifying how to withdraw money from a Raiffeisen card.
On this moment The following tariffs are set for transactions at ATMs/terminals and PVN:
- In third parties (for example, in Sberbank): 3.9% + 390 rubles;
- In own (for credit cards issued as part of the Premium and Premium Direct service packages): 2% + 200 rubles;
- In own (for other cards): 3% + 300 rubles.
Raiffeisen issues a cash card credit card, for which there is a special condition - withdrawal of funds without commission. This is the only option for a free credit card transaction.
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 free of charge only at partner banks.
These include:
- Moscow credit bank;
- 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 rubles.
Conclusion
Debit card holders can withdraw money from Raiffeisen cards without additional costs can in the bank itself or in its partners. Credit card holders will have to pay a certain percentage when withdrawing funds.
Due to reliability, security and ease of use, debit and credit plastic cards from Raiffeisenbank are very popular. They are indispensable for cashless payments and instant money transfers. However, in some cases, a person is interested in withdrawing cash from maximum benefit. Therefore, it is necessary to have detailed information about the current limits and commissions at Raiffeisenbank. These values may depend both on the type of card product and the withdrawal method chosen by the client.
Debit card limits
For various kinds plastic cards such daily cash limit:
| View | In thousands of rubles | In thousands of euros/dollars |
| Child, Visa Classic Lenta | 30 | – |
| Unembossed, Maestro, Visa Electron | 120 | 2 |
| All at once, WORLD | 200 | – |
| Classic Standard | 3 | |
| Gold | 300 | 5 |
| World, World Black Edition, Platinum | 500 | 10 |
At the same time, the monthly limit is:
Commission amount
- In Raiffeisen Bank's own ATMs and self-service terminals, the client can withdraw a sum of money without commission in accordance with the limit.
- The commission for cash withdrawals at bank branches and cash desks of Raiffeisen is 0.7%.
Outside institutions have the following rules for cashing out cards:
- The amount of commission deductions is 0.5% + 150 rubles additionally.
- For the withdrawal of foreign currency, the fee will be 2%.
Such commission rates apply to Sberbank and other banks in the country.
Limits and fees for credit cards
In the case of credit cards, there are certain restrictions that depend on the size of the credit limit, that is, the maximum amount available for cashing out.
The withdrawal limit is:
- 60% - for one operation per day;
- 100% - for monthly cashing out.
Different cards and ATMs have different fees.
In order to increase the limit, the client is required to personally visit the bank branch no earlier than three months after the card was opened. Need to provide:
- a document confirming the identity of a citizen of the Russian Federation;
- certificate of income.
If there are no claims against the client, the bank raises the limit within one week. If necessary, you can apply every six months.
Withdrawal of funds from partners of Raiffeisen Bank
>At ATMs of Raiffeisen partners, no commission is charged when withdrawing cash from debit cards.
Among them:
- Rosbank;
- UniCredit Bank;
- Gazprombank;
- Uralsib Bank;
- Rosselkhozbank;
- Energotransbank;
- Binbank;
- Credit Bank of Moscow.
Withdrawal limits in partner banks
Under the terms and conditions in force in 2018, the following amounts of limits for withdrawing money (in rubles) from ATMs of partner banks are determined:
What commissions are charged when replenishing
For clients of Raiffeisen Bank, the following conditions apply when replenishing the card.
According to the Moody`s international scale, Raiffeisenbank was assigned a Ba2 stable rating. Sustainable functioning financial institution ranks in Russian Federation 14th place in terms of net assets, 7th place in terms of net profit.
In a reputable organization, counterparties are trustworthy. Russian banks - partners of "Raiffeisenbank" have achieved no less outstanding results and, in addition, are loyal to the clients of a representative of a serious holding from Austria. Partner units are ready to provide services to Raiffeisenbank cardholders 24 hours a day.
Number of devices
The list of places where you can pay by bank transfer is expanding in the country. But the need for cash notes is still great: to pay taxi fares, to tip service personnel, to buy Forbes magazine at the Rospechat kiosk.
The CFU under consideration offers users to use a network of their own devices for transactions with physical means of payment, a total of 2000 pieces of equipment. In addition, there are 16,000 ATMs and terminals that provide services “at home rates”. Replenishment is available in 7.5 thousand modules.
Cardholders are also served without commission by Raiffeisenbank's partner banks.
In the cities of Russia, including in the capital of the South Urals, the city of Chelyabinsk, users of the RFB banking plastic can freely find the equipment of eight partner banks for depositing / withdrawing cash.
Dollar exchange for Russian currency
Consider a situation where there is no way to replenish the card with rubles. The wallet contains only dollars and euros. You can deposit dollars or euros for plastic only at Raiffeisenbank units.
The operation of depositing cash through the banking module is more profitable in terms of conversion than exchange at the cash desk. Although there is an even more profitable way of exchange - through the Internet bank. All courses are listed on the website of the bank in question. For example, on November 02, the dollar exchange for looks like this:
- internet bank 1: 56.85;
- ATM 1: 56.65;
- cash desk branch 1: 56.40.
On the calculator, you can sum up the results as a percentage. Conversion through the banking module is more profitable than a transaction through the cash desk by 0.443%. Thus, the exchange of 1 thousand dollars through the device will give an additional 443 rubles compared to the operation through the cash register.
The Magnificent Eight
Clients who use the funds received from Raiffeisenbank can make ruble transactions without additional costs in the partner network of the analyzed KFU. The register consists of eight banks, according to information from the official website on 10/29/2017, allowing you to withdraw money without commission. Two banks from the list allow the replenishment of the plastic of consumers of the "RFB" services.
Name of KFU partner | Operations without commission |
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Top up |
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"Gazprombank" | |||
"Credit Bank of Moscow" | |||
"Rosselkhozbank" | |||
"UniCredit Bank" | |||
"BinBank" | |||
"Rosbank" | |||
Bank "URALSIB" | |||
"Energotransbank" | |||
The apparatuses of the Binbank and Moscow Credit Bank institutions accept only Russian money from Raiffeisenbank clients and no more than 45 (forty-five) thousand rubles per transaction.
Raiffeisenbank issues 6 types of ruble loan cards and 15 types of debit cards, five of which allow transfers not only with Russian currency, but also with dollars and euros. But, we repeat, you can work with currency only in Raiffeisenbank machines.
The requested amount for cash withdrawal differs from the amount of funds to be deposited.
Depending on the denomination of banknotes, limits on the amount of one transaction may vary at an ATM. Before making an investment or withdrawal paper money in the aggregates of partner banks, you can find out the balance of the card account for free.
The result depends on the denomination
ATMs are configured for the number of banknotes. The technically possible maximum volume of circulation of cash sheets in the machine is 30 banknotes.
If the denomination of the money sheet is five thousand, then you can withdraw 150 thousand in one transaction. A loaded unit will allow you to withdraw five times less at a time - only 30 thousand. The smaller the denomination of banknotes in the dispenser of the machine, the smaller size withdrawn amount of money.
Cashing out and replenishment in the city of white nights
In the city of St. Petersburg, 58 units of Raiffeisenbank were registered for withdrawing and depositing cash.
In addition, Raiffeisenbank's partner banks in St. Petersburg help RFB users to receive cash or replenish a card at institutions:
- "Binbank";
- "Gazprombank";
- "Credit Bank of Moscow";
- "Rosbank";
- "Rosselkhozbank";
- "Uralsib";
- "Energotransbank";
- "UniCredit Bank".
The number of devices for receiving and issuing money in St. Petersburg varies among banks. Banks from the first rating twenty are represented in the city thoroughly by the number of offices, ATMs and terminals.
An ATM has been installed in the only St. Petersburg branch of Energotransbank to accept cash from partners' clients.
"Moscow Credit Bank" so far has the only unit that accepts money in the city of St. Petersburg on Pulkovskoye Highway in the premises of the Avtodom car dealership. This information can be found on the website of the financial institution. MCB clients, if necessary, withdraw money in the modules of all partners, including through Raiffeisenbank devices, and deposit banknotes through the Alfa-Bank unit.
How to recognize a partner
The chain of mutual services was confirmed and closed in a ring. This gives hope for the trouble-free use of plastic by both Raiffeisenbank and its partners.
Consumers of the services of partner banks can, if necessary, use Raiffeisenbank's modules for depositing/withdrawing cash.
Each financial institution has developed a recognizable logo. It is useful for the reader-counterparty of the bank to know the "picture" of the institution in order to easily find the desired device.
Usually, the bank logo is located on the body of the device on both sides and on the front side. In addition, information about the KFU website and the emergency telephone number is applied on the sides.
In the offices of the "RFB" near the ATMs there is an information stand with the addresses of terminals and ATMs of partner banks.
Emergency banking assistance
The hotline advises plastic holders in difficult and non-standard situations. The client should conduct the conversation patiently and calmly, as most hotlines are robotic. A conversation with a live operator is a rarity. Therefore, proposals and wishes should be stated clearly and concisely.
If you have any questions about working with ATMs without a commission of partner banks of Raiffeisenbank, then the hotline will definitely help.
Partial namesake
The Ukrainian Raiffeisenbank Aval is part of the International AG holding. A large bank has gained a high reputation in the market, consumers trust KFU, whose shareholders are RB with a share of 68.3% and with a capital ownership of 30%.
The political events of 2014 led to the closure of Aval branches in Russia, including the Republic of Crimea.
As of the date of writing, there are no partnerships between the Russian "RFB" and the Ukrainian "Raiffeisenbank Aval". Clients of these banks will not be able to quickly use the units of a consonant institution for either withdrawal or cash acceptance. Information obtained from the hotline.
Trust percentage
Depositing and withdrawing cash from plastic is made without commission.
To understand how convenient it is to have constant companions when conducting cash transactions, you should familiarize yourself with the percentage of payments when an interaction is made with a “foreign” bank or a “foreign” card, for example, a transfer.
Transfer from your own card to the plastic of "other" banks:
- with debit - 1.5% of the transfer amount, but at least 50 Russian rubles, 3 US dollars or 3 euros;
- with credit - 3% of the amount of departure + 300 Russian rubles.
Transfer within Raiffeisenbank to cards of other clients:
- with debit - no commission;
Transfer from the plastic of "foreign" banks to your own "RFB" card.
No commission, but a transfer fee may be charged by the issuing bank of the debit object. For example, if you transfer money from a debit card of a "foreign" Sberbank to a credit plastic "RFB", then Sberbank will write off 0.3% for the service, and Raiffeisen will not take a penny.
Transferring money between own Raiffeisenbank cards:
- with debit - no commission;
- with a credit card - 3% of the transfer amount plus 300 Russian rubles.
Partner banks work in the same way. Cash transactions do not impose encumbrances on the client of Raiffeisenbank, regardless of whether the counterparty deposits money on the card at the RFB ATM or deposits through the aggregates of partner banks. Only non-cash transfers are subject to interest deductions.
Content
Russian credit organizations have learned how to save their budget without infringing on the ability of customers to receive full and fast service, and Raiffeisen bank is no exception. Gaining momentum in cooperation, this commercial organization is expanding its network of cash withdrawal services using cards, and partner banks of Raiffeisen Bank help in this, whose ATMs serve customers of a financial institution on a free commission basis.
What is a bank partnership
Any credit institution seeks to provide its customers with a comfortable and wide service. The development of an ATM network requires costly investments, and the active use of plastic cards by citizens requires affordable universal access to cash dispensers. All this forces bankers to look for ways of close economic cooperation with competitors. Partner banking agreements enable users to make transactions through ATMs not only of their own credit institution, but also of a third-party one. Tasks of the affiliate system:
- create conditions for its customers to withdraw money without commission from other credit institutions;
- expand the distribution of self-service devices;
- save on your own operating costs.
For Raiffeisenbank, such projects are beneficial, because they allow to increase the client base, including in those places where it is not economically viable to maintain expensive equipment. As a result, the financial institution gets a greater opportunity to focus on the development of its services, increasing its own attractiveness to the consumer, who has the opportunity to be served at points convenient for him.
Which banks does Raiffeisen Bank cooperate with?
The ideology of Raiffeisen bank is declared as round-the-clock provision of security to the client, convenience in accessing finances anywhere the consumer is located. By attracting large credit institutions to cooperate, its partner network in the self-service segment is extensive. Raiffeisen Bank partners are leading institutions in the financial industry with a developed branched service throughout Russia, due to which Raiffeisenbank cardholders can withdraw and replenish money without commission in a huge number of ATMs and terminals.
Raiffeisen partner ATMs
An up-to-date list of which banks cooperate with Raiffeisenbank, as well as a list of payment devices, is posted on the raiffeisen website. In addition to its own self-service devices numbering more than 2 thousand in the country, Raiffeisenbank currently offers 16 thousand partner ATMs for withdrawing money and 7.7 thousand terminal devices and ATMs for replenishing plastic cards and accounts. On the site, you can virtual map find service devices in any city and region, not only in Moscow or St. Petersburg.
The partner banks of Raiffeisen Bank are as follows:
- Rosbank;
- Uralsib;
- Credit Bank of Moscow;
- UniCredit Bank;
- Binbank (MDM as part of the Binbank group);
- Rosselkhozbank;
- Gazprombank;
- Energotransbank.
Cash withdrawal limit
Within the framework of partnership agreements, cash withdrawals are limited by limits on the maximum size of the transaction:
How to withdraw money from a Raiffeisen card without commission
In partner ATMs, Raiffeisen bank customers can request information about the state of the card balance free of charge, withdraw cash on terms similar to servicing their own devices credit institution. According to tariffs without charging a commission, cash is withdrawn by debit cards, for credit cards, withdrawals are free of charge for the Cash Card program. In order to withdraw cash from the card for free, you need to.
Raiffeisen financial holding in Russia has its own structure - Raiffeisenbank. Raiffeisenbank's partner banks make this network more in demand, as they increase the influx of customers due to favorable conditions.
About bank
Raiffeisenbank is now one of the largest banking organizations in Russia. Favorable conditions for users, servicing both individuals and legal entities, investment in economic sectors make this bank a leader in the financial market.
Raiffeisenbank entered into a partnership agreement with many Russian banks, which allowed it to become more in demand.
For customers, this means an increase in the number of ATMs where you can withdraw money, terminals have also increased in number, and the range of services provided by bank partners for Raiffeisenbank depositors has become more profitable.
In other banks that do not cooperate with Raiffeisenbank, there are a lot of restrictions for its clients on conducting cash transactions, so now it is easier for users of this organization to use their cards.
Raiffeisenbank's partners provide people with what they could not get due to the lack of ATMs of their bank in the city.
The partner network has expanded its borders and now there are over 16,000 ATMs in Russia, where cash withdrawals and other transactions are carried out without commissions, on the same terms as in Raiffeisenbank itself.
ATMs in Moscow, St. Petersburg, Krasnodar and many other cities are now much easier to find, and no commission is charged for using them.
The partnership also allows the clients of this organization to receive discounts from partners where they are not provided for outside users. So the partnership is beneficial for all parties - bank customers and the organizations themselves.
What banks does it cooperate with?
Collaborating banking companies bring many benefits to customers. Therefore, it is very important to know in which ATMs of partner companies you can withdraw cash without commission and carry out other financial transactions.
List of partners of Raiffeisenbank:
- Credit Bank of Moscow.
- MDM Bank.
- UniCredit.
- Rosbank.
- Binbank.
- Russian Agricultural Bank.
- Uralsib.
- Gazprombank.
- Energotransbank.
These nine partner organizations accept Raiffeisenbank cards and consult its users, as well as provide their services on the terms of the client's bank. A partner bank is an organization that facilitates the users of any cooperating company to conduct their transactions and withdrawals.
The advantage of partnership is that in many countries there is an ATM from a partner, in which a person can withdraw cash, especially if something unforeseen happened and he was left without money.
You can always find out how a partner bank works on the official website desired bank, this will avoid trouble with an unexpected commission or other problem (small withdrawal limit through a partner cashier or ATM).
What services are provided?
Raiffeisenbank, together with its partners, provides users with the following services, for which they will not have to overpay, as is the case with the use of other devices of third-party enterprises (terminal, cash desk):
- cash withdrawal;
- you can top up your phone balance at an ATM;
- payment of utility bills, television and the Internet is also easily carried out with partners;
- find out the balance on your cards;
- depositing cash through the terminal on the card;
- transfer between cards;
- connection of SMS informing about all transactions carried out on the card;
- changing the pin code;
- Internet banking service is provided;
- replenish the card to pay the loan;
- obtaining information in any partner bank about their current financial affairs;
- transferring money to charity.
To put money on a card or withdraw cash without paying interest, it is no longer necessary to run around the city to ATMs or look for the nearest Raiffeisenbank ATM on the map.
The partnership expands the range of services for clients and makes the service faster, and the use of bank cards is convenient and safe, since Raiffeisenbank partners have a bank guarantee for the confidentiality of all personal data.
Partner Firm Rules
The partnership allows you to conduct many transactions on the same terms as in the client's home bank. But still, there are a number of conditions and nuances that you should be aware of when using ATMs of partner institutions:
- Topping up a credit and debit card at a time is only possible in the amount of 45,000 rubles., and for a month - 450,000 rubles, more interest will be withdrawn.
- If you have credit card Visa, the partner organization can also withhold a commission for its use, debit cards of any payment system are serviced without commission.
- One operation is limited, the amount varies in different organizations from 7.5 to 15 thousand rubles. Everything will depend on the company you choose.
- All money transfers and other card transactions are carried out on the terms of Raiffeisenbank, payment for transactions is charged as prescribed by the rules of the company that issued the client.
How to find out about partner companies?
Partners of Raiffeisenbank may change over time, so it is better to clarify such information in advance.
You can find out where the nearest partner ATM is located and what partner enterprises are available in any convenient way:
- by calling hotline Raiffeisenbank;
- by going to the website of Raiffeisenbank in the section "ATMs and offices";
- having specified personally at the employee of the enterprise in branch.
Raiffeisenbank does its best to provide its customers with high-quality, fast, convenient, reliable and comfortable service. Deposit guarantee, good interest rates on loans and deposits, availability of funds and understanding on the part of the organization make this bank one of the most popular in the Russian Federation. That is why now it is in the forefront in the list of the largest Russian banks.
