Raiffeisenbank commission for cash withdrawals by card. Which ATMs can you withdraw money without commission from a Raiffeisen Bank card?

Raiffeisenbank cards are deservedly popular due to their low service costs and a large number of convenient options. Despite the fact that non-cash payments are becoming more and more common these days, sometimes it becomes necessary to get banknotes from an ATM. When performing such transactions, commissions are often charged, so it is important to know the size of the commission for withdrawing cash from Raiffeisenbank, as well as how to get money in cash with maximum benefit.

Fee for withdrawing money from Raiffeisenbank debit cards

Raiffeisen ATMs	ATMs of other banks
Raiffeisenbank does not charge a commission for cash withdrawals at its own terminals and ATMs. At the cash desks and bank branches of Raiffeisenbank, a commission of 0.7% of the withdrawn amount is charged for the service, minimum = 300 rubles. In 24 hours, no more than 3 million rubles can be converted into banknotes - this is the limit set by the organization.	Commission-free withdrawals from a Raiffeisenbank card are not allowed at third-party ATMs and terminals. In addition to the main amount of money withdrawn, 0.5% of this amount + 150 rubles is debited from the balance. If you need to withdraw a foreign currency other than the one in which the account is opened, the third-party bank will charge a 2% commission. The fee for withdrawing from a Raiffeisenbank card in Sberbank is exactly the same as in any other banks - half a percent of the amount received plus 150 rubles.

Raiffeisen ATMs

ATMs of other banks

Raiffeisenbank does not charge a commission for cash withdrawals at its own terminals and ATMs.

At the cash desks and bank branches of Raiffeisenbank, a commission of 0.7% of the withdrawn amount is charged for the service, minimum = 300 rubles.

In 24 hours, no more than 3 million rubles can be converted into banknotes - this is the limit set by the organization.

Commission-free withdrawals from a Raiffeisenbank card are not allowed at third-party ATMs and terminals.

In addition to the main amount of money withdrawn, 0.5% of this amount + 150 rubles is debited from the balance.

If you need to withdraw a foreign currency other than the one in which the account is opened, the third-party bank will charge a 2% commission.

The fee for withdrawing from a Raiffeisenbank card in Sberbank is exactly the same as in any other banks - half a percent of the amount received plus 150 rubles.

Fee for withdrawing money from Raiffeisenbank credit cards

A credit card is essentially intended for non-cash payment for services and goods. But sometimes it is necessary to withdraw borrowed funds from it. Commission fees from credit cards for this service are higher than from debit cards, and their size depends on the type of loan product and the use of “native” or third-party ATMs.

As can be seen from the table: the Visa Classic Cash credit card is serviced under special conditions. It is possible to withdraw cash without commission from ATMs of Raiffeisenbank and partner banks.

Attention, there are restrictions on withdrawing funds from Raiffeisen cards, details in the article:

Raiffeisen Bank partners: commission-free ATMs

Cooperation between financial institutions is aimed primarily at ensuring that clients can withdraw funds from cards without extra costs. For this reason, modern large banks unite in a network and enter into appropriate agreements, under the terms of which, within the designated banking group, cardholders are not charged a fee for cash withdrawals.

Raiffeisenbank ATMs and terminals are present in almost all localities of the country and with their help you can get money in cash without commission fees. Many people are interested in where else to withdraw funds from a Raiffeisenbank card without commission. So, this is possible in self-service devices of several banks:

But there is no need to confuse the use of ATMs and transfers from a Raiffeisen card to another card; the conditions and commission for the transfer may be different.

Raiffeisenbank offers very favorable terms for servicing card products and does not set an interest rate for issuing banknotes in its own equipment. For a similar operation with credit plastic, the bank also does not charge too high a commission. However, when receiving money from third-party institutions, you should carefully read the terms and conditions of the transactions. And if the commission turns out to be unreasonably high, it makes sense to look for ATMs of Raiffeisenbank partners so as not to overpay.

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 a one-time replenishment is no more than 45,000 rubles. The monthly replenishment limit is 450,000 rubles.

Raiffeisen Bank is a Russian subsidiary of the Raiffeisen holding (Austria). Today, the institution has gained popularity in the financial sector, as its own network has been actively developed and cooperation has been established with financial institutions. Thanks to work with Impex Bank, the organization became one of 15 in the country that are in demand in the field of lending and investment.

To improve the bank's performance, a convenient customer service system has been created on acceptable terms. This allows the organization to be in demand. That is why there are Raiffeisen partner banks. You can withdraw money without commission from these organizations. Funds can be replenished and transferred using self-service devices.

About the bank

Raiffeisen Bank began operating in Russia in 1996. Now this organization has a developed partner network. Its main activity is serving legal entities and individuals. An important area is investing in economic sectors.

Thanks to its successful development, the bank has many ATMs and self-service terminals. Due to cooperation with other institutions, clients have the opportunity to benefit from advantageous services.

Bank advantages

Raiffeisen Bank has the following advantages:

Availability of partners in different countries.
Withdrawal of funds without commission.
With a debit account you can transfer funds to a credit card.
Reliable reputation.
The account is replenished with electronic currency through Qiwi and other systems.

The main thing that Raiffeisen Bank partners can provide is ATMs without commission. St. Petersburg, like other cities, has many devices for withdrawing funds. The bank also has a secure online banking system.

Bank clients can use a wide network of ATMs located throughout the country. There are currently over 2 thousand such devices in operation. The benefit for clients lies in the terms of service provided by Raiffeisen partner banks. It is possible to withdraw funds from many ATMs (more than 16 thousand) without commission.

Organizations offer to withdraw money from the card without charging a commission. Plastic is needed for:

Transfers to other cards.
Using Internet banking.
SMS notification connections.
PIN code changes.
Making payments.
Cash withdrawals.

If this bank is not in the city, then you should look for Raiffeisen partner banks. You can withdraw money without commission from all ATMs owned by these organizations.

Commissions

Since third-party withdrawals come with a service fee, you must ensure that there is no charge before using another institution's device. Favorable conditions are provided by Raiffeisen partner banks. Without commission, as already mentioned, cash is issued at all ATMs of these structures.

If you withdraw money from third-party terminals, this occurs under the following conditions:

Cash out up to 3 million per day.
Commission 300 rubles or 0.7%.
Collection 150 rubles + 0.5% at an ATM that is not a Raiffeisen partner.

If an ATM is used to dispense money using a card from another issuer, the terms of cooperation must be taken into account. Raiffeisen provides commission-free cash withdrawals only thanks to its partners.

Affiliate network

Banks cooperating with Raiffeisen create a partner network. Thanks to it, clients can withdraw money without commission. Partners include:

"Rosbank".
"MDM Bank"
"MCB-Bank".
Bank "UniCredit".
"Uralsibbank"
"Binbank".
"Gazprombank".
"Rosselkhozbank".
"Energotransbank".

You need to look for these ATMs and then there will be no commissions. The devices are available in most shopping centers in large cities.

Withdrawal rules

Cash withdrawals are available to Raiffeisen clients with some restrictions:

If you use a Visa credit card, there may be a fee. It all depends on what conditions are offered by a particular financial institution. And there will be no problems with Visa, MasterCard, Maestro debit cards.
The size of one operation is limited (7.5 or 15 thousand rubles). If you exceed the amount, fees will apply.

It is according to these rules that ATMs operate without commission in large cities and can be found everywhere. The affiliate network is accessible to people throughout the country, as depositors and borrowers are offered excellent service and a guarantee of reliability.

Features of the procedure

To withdraw money, just find a partner’s ATM. They are located in shopping centers, as well as in bank offices themselves. The procedure is no different from the standard one. The client needs to insert the card into the device, enter the PIN code, and then select the “Cash Withdrawal” section.

The menu offers payment for various services. There is also no commission charged for them at partner ATMs. ATM addresses can be found on the website.

"Rosbank"

If there is no Raiffeisen in the city, where can I rent without a commission? Partner banks have a network of ATMs throughout the country. Rosbank has about 3,000 devices. Since 2012, clients have been able to withdraw funds without commissions. Payment for housing and communal services and card replenishment are also available.

Rosbank has a developed ATM network, so devices are located in many cities of the country. Remote service is very convenient for most clients because it saves time. You can transfer money through an ATM, pay for television and telephony. You can find out the addresses of ATMs through the website.

"MDM Bank"

Raiffeisen also has other collaborating organizations. Partner banks make commission-free withdrawals at cash desks and through ATMs. Now the institution cooperates with MDM Bank. Clients have access to the function of obtaining information about their account without commissions. The number of devices is more than 9,400.

Raiffeisen has become the owner of a developed ATM network, which allows customers to gain convenient access to their funds. There are many cash withdrawal machines in big cities. In addition to withdrawing money without commissions, other services are also provided: transfer of funds, payment for services, repayment of loans.

"MCB-bank"

The main advantage that Raiffeisen Bank partners provide is commission-free ATMs. Moscow, like other large cities, includes many withdrawal devices. One of them is Moscow Credit Bank OJSC, which exists only in the capital. The main direction of the organization is the development of retail business, as well as servicing corporate clients.

In addition to these banks, cash is also issued from other ATMs. In large cities there are devices of Uralsibbank, Gazprombank, Rosselkhozbank and other organizations. Each of them offers its own terms of service, but at ATMs funds can be withdrawn and replenished without commission.

Refill

Without a commission, you can not only withdraw funds, but also if you need to top up a credit card or deposit funds on a debit card, you need to use the MDM Bank self-service terminal. There is no fee for the procedure. The maximum payment is 45 thousand rubles. You can top up your card with no more than 450,000 rubles per month.

You can find out about the nearest ATMs and partners using the R-Mobile mobile application. There are addresses and operating hours of the terminals. This information can also be found on the official website.

Types of cards

The Unembossed card is considered unnamed, so it is issued instantly. The client just needs to write a statement. The service is provided to clients over 14 years of age. After receiving the plastic, it is possible to perform operations using a contactless system. Money can be withdrawn from cash registers and ATMs. It is also possible to pay for purchases and services via the Internet. Cards are accepted at all retail outlets. Servicing debit cards costs 240 rubles per year. It is more convenient to use partner ATMs to withdraw funds.

Customers are also offered standard cards, which have a daily limit of 200 thousand rubles, and a monthly limit of 1 million rubles. The service costs 750 rubles per year, but if you sign up for the “Optimal” package, this package will be free.

The Gold debit card is available in several types. issued with the "Golden" package. There is a 5% cashback upon departure. Visa allows you to use bonuses issued for non-cash payments. The gold card comes with free spending alerts, partner discounts and priority service at the office. Services cost 4.5 thousand per year.

Loans

The bank offers clients loans. Moreover, each has its own conditions. Many programs do not require the provision of collateral or the need to find a guarantor. There will also be no additional fees. The application is reviewed within an hour, after which the client is notified of the decision. If it is approved, then within 15 days you have the opportunity to apply for money by providing documents. An agreement is concluded with the client, which serves to regulate the rights and obligations of the parties.

You can repay the loan by any means, but it is better to choose bank or partner ATMs. Money is also deposited through cash registers, payment terminals and online services. Most methods allow you to transfer funds quickly.

Raiffeisenbank is a subsidiary of a large Austrian holding company located in Russia. At this point in time, the organization is quite successfully gaining a foothold in such a competitive area of business.

The territorial scale of distribution of Raiffeisenbank ATMs is: about two thousand of its own, as well as about sixteen thousand partner ATMs. Agree that with such a well-developed network, there will never be any inconvenience associated with finding the right self-service tool.

A plastic card issued by Raiffeisenbank allows you to carry out a number of the following operations:

Transfers to other cards. Regardless of which bank issued the plastic media, no commission will be charged.
Gaining access to functional transactions via the Internet, as well as restoring access to your account.
Connecting SMS notifications to your mobile phone about certain transactions.
Changing the current PIN code of the Raiffeisenbank card.
A wide variety of payment procedures.
Withdrawing cash from a debit or credit card.

Exclusively partnership relations between banks allow users of the corresponding cards to withdraw cash without collecting a commission.

Verification is a guarantee of the safety of funds

As you might imagine, third parties charge a fee when you make a cash withdrawal transaction through their self-service facility. Therefore, before using any ATM, you need to find out whether that organization is a partner of Raiffeisenbank. After all, none of us wants to suddenly discover that additional interest has been unexpectedly withdrawn from our account.

It is worth displaying in a separate block information about the conditions for withdrawing cash at the terminal of a bank that is not in partnership with Raiffeisenbank:

The limit on cash withdrawals is three million rubles per day.
Withdrawal of funds at the cash desk or branch - a commission of 300 rubles or 0.7 percent of the amount planned for withdrawal.
The commission for withdrawing funds from an ATM of an organization that is not part of the Raiffeisenbank partner network is 150 rubles and an additional 0.5 percent of the withdrawal amount.

What banks does Raiffeisenbank cooperate with?

Let's list the organizations:

Energotransbank.
Rosbank.
RosselkhozBank
MDM Bank.
Gazprombank.
Binbank.
UniCredit.
Uralsib.

However, when using terminals of partner banks there are some restrictions:

If you withdraw the required amount using a Visa credit card, a fee may be charged if such a clause is included in the terms of service of a particular organization. This note applies exclusively to credit media of the presented payment system. There is no such tendency when working with debit cards of any financial systems.
The amount available for cash withdrawal in one transaction may be limited. And exceeding the limit set by the relevant bank may be subject to a commission. According to current trends, such a limit for a one-time session can vary from 7.5 to 15 thousand rubles.

More subtle and detailed aspects of Raiffeisenbank’s cooperation with any other partner from the list can be studied on the company’s website. Regardless of this information, using the services of partner financial companies is definitely more profitable.

Debit cards from Raiffeisenbank are especially popular, because the cost of their service is low and the range of options is impressive. This bank services salary cards and credit cards such as MasterCard or Visa.

In some cases, when withdrawing money from an ATM using the cards mentioned above, the client has to deal with a bank commission, which must be paid at the time of cashing out.

Therefore, you need to know in advance , what is the commission at Raiffeisen Bank ATMs and how to withdraw your money as profitably as possible.

What is the commission for cash withdrawal?

The client will have to comply with the daily limit in the process of cashing out, which is equal to 3 million rubles. At the cash desk or at a bank branch when withdrawing cash you must pay commission of 0.7% of the amount , but not less than 300 rubles. If, using a bank card, you try to cash out money at ATMs or terminals of Raiffeisen Bank, you do not need to pay interest for this.

In the event that there is a need to use a third-party bank terminal, you will be prepared for additional 150 rubles will be written off (fixed figure) plus 0.5% of the withdrawal amount. You can withdraw money in a currency other than your main account, paying the bank only 2% of the transaction amount.

The Prozora card from Raiffeisenbank is considered especially profitable. This product has the most transparent terms of service, so the card is very simple and profitable to use.

Money can be withdrawn from it at any ATM of the Raiffeisen financial institution, not only in Russia or Ukraine, but also abroad. If you do this at the cash desk with identification documents, the client will not be charged a fee.

Cash withdrawals from an ATM are subject to a 3% commission, regardless of the withdrawal amount. If money is cashed in other banks or abroad, a commission from another financial organization may be added to the amount for the service, which may vary and it is better to find out in advance.

Partner banks of Raiffeisenbank and the possibility of withdrawing money without overpayment

Cooperation between banks is primarily aimed at ensuring that clients have the opportunity to withdraw money without extra fees.

That is why modern popular banks are trying to unite into a large network and enter into appropriate agreements with each other, according to which, within a specific banking group, clients will not be charged a percentage for conducting a transaction.

Raiffeisen ATMs without commission are an excellent opportunity not to overpay; you can find them on the map of your city. Also, withdrawal of money without accrual of interest will occur in the following self-service terminals:

Uralsib Bank;
MDM Bank;
TAT-Fondbank;
UniCredit Bank.

All of the above banks allow you to withdraw money from your card without fees. In this case, some conditions and restrictions on cash withdrawal may apply, the main of which is the type of card. The rule applies to all debit cards: gold, platinum or classic, which are serviced by Visa, MasterCard or Maestro.

For Raiffeisen Bank credit cards, completely different conditions apply, especially if the money is withdrawn from third parties. You can call the hotline or contact a consultant who will explain them to you in detail.
The second condition, under which you will be able to withdraw funds from an ATM without paying additional interest - the amount limit may fluctuate from 7500 rubles to 10 thousand rubles one-time . Only after exceeding the established limit will you have to pay an additional percentage of the amount, at least 15 rubles.

Raiffeisenbank has fairly loyal card service conditions and tries not to set an interest rate, which is withdrawn from the client’s account at the time of cashing out.

But when withdrawing money from terminals of third-party organizations, it is a good idea to read the terms and conditions of the transaction, and if they do not suit you, you can always look for partner banks of Raiffeisen Bank so as not to overpay.

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