The holder of any bank card sooner or later faces the question of how to withdraw funds without additional costs. There are several ways to withdraw money from Rosbank without commission. Let us consider in detail all the options, as well as the most profitable methods.

Withdrawing money through Rosbank ATMs

The fastest and most accessible method to withdraw money from a Rosbank card without commission is to use the services of an ATM of this particular institution. Today, devices can be found in all cities, large shopping centers, near metro stations, as well as directly near bank branches.

But first of all, you need to consider whether it is a debit or credit card. Cash withdrawals through Rosbank ATMs from debit cards are carried out without any additional commission. Regarding cashing out funds from credit cards, it all depends on the terms of the agreement. Depending on this, not only the daily or monthly limit is determined, but also the commission.

If you use the services of third-party banks (except for partners), you will have to pay a 1.2% commission, but not less than 99 rubles per transaction.

Withdrawing money through an affiliate network

Rosbank is a partner of many financial institutions. Unfortunately, agreements are often unilateral. That is, the owner of a bank can withdraw cash without commission through a Rosbank ATM, but the owner of a Rosbank card cannot do this. We will consider the options of those partners who enable holders of a given financial institution to cash out their own funds.

In 2019, you can withdraw cash from a Rosbank card without commission:

It should be noted that the maximum withdrawal limit is provided by Alfa-Bank (200 thousand rubles). Bank AK Bars and Rosselkhozbank have set limits for commission-free withdrawals from Visa cards - 10 thousand rubles, and from MasterCard - 200 thousand rubles. Gazprombank and Uralsib also have small limits - 10 and 6 thousand, respectively.

In addition to restrictions from partner banks, there are also restrictions on the daily and monthly limits. Holders of non-registered plastic cards Electron, Maestro and Classic will be able to cash out no more than 100 thousand rubles per day, and no more than 250 thousand rubles per month.

Using the opportunity of Rosbank, cardholders will be able to withdraw funds without additional overpayments. The choice of the optimal option directly depends on your location, as well as the required amount for withdrawal.

Rosbank's partner banks are those financial organizations that have entered into certain agreements with each other in order to improve the quality of services to their clients. Partnership agreements allow clients of one bank to be serviced under the same conditions in partner banks.

Services of partner banks without commission

Rosbank's partner bank provides certain services to its clients under the conditions stipulated by Rosbank itself. Most often we are talking about the ability to withdraw funds from debit and credit cards.

When concluding an agreement for servicing a bank card, transaction options are usually indicated indicating the commission for withdrawals at third-party ATMs/terminals.

Partners of Rosbank bank allow you to withdraw funds from debit cards without commission, and when withdrawing funds from credit cards, the commission amount does not change and occurs in accordance with Rosbank rules for specific credit cards.

List of ATMs

The list of Rosbank's partners includes the largest financial organizations operating in the Russian Federation. This significantly expands the ability of clients to withdraw funds. There are more than 2,600 self-service devices of the bank itself in different regions of the Russian Federation. Rosbank's partners provide their own ATMs to its clients without commission (additional as third-party financial organizations) and on the same terms as Rosbank itself.

The list includes:

• VTB 24;
• Alfa Bank;
• Rosselkhozbank;
• Raiffeisenbank;
• Gazprombank;
• Uralsib;
• AK Bars.

ATMs of Rosbank's partner banks serve customers with debit cards without commission, and credit card transactions are carried out under the same conditions as the issuing bank itself.

Conclusion

The list of Rosbank's partner banks includes the largest Russian financial organizations. Owners of bank cards have significantly expanded options for using them during transactions: they do not have to overpay for withdrawals from third-party ATMs/terminals. If necessary, they use partner self-service devices under the same conditions as the issuing bank.

Rosbank is among the top most reliable Russian financial institutions; its credit rating is high. However, its network of branches is small and poorly represented in the regions of Russia; in some situations it is difficult to take full advantage of all the opportunities. For example, there is only one office in the city that does not work around the clock. In these cases, credit/debit card holders can withdraw cash from an ATM and use other products from Rosbank’s partner banks.

What is a bank partnership

The partnership agreement is beneficial for banking businesses with a limited network of ATMs/branches, because provides opportunities for development without opening additional offices and servicing terminals at the expense of Rosbank's capital. Due to ATMs of partner banks, the geography of activity and user coverage are significantly expanded. Clients of the institution, for their part, can use services from partners - large financial institutions, including withdrawing cash from them.

Partnership can be one-sided or two-sided. Unilateral - if one partner bank provides subscribers of the other with services without additional payments, preferential rates, bilateral - if both partners do this. For example, there is a one-way partnership with Uralsib Bank: bank card holders can use its devices at preferential rates, but Uralsib subscribers are deprived of this opportunity. In each case, the partnership is mutually beneficial - it provides ample opportunities and convenience for all citizens who use the services of the organizations.

Which banks does Rosbank cooperate with?

The bank has an extensive partner network, so its users will be able to make a transfer, pay for a loan, pay for utilities, purchases in stores, and transfer funds at the nearest ATM of Rosbank or a partner at a preferential rate. Abroad, you can exclusively receive high-quality banking services from the banks of the Societe Generale group. Cash withdrawal is carried out under the same conditions as in Rosbank branches. List of partners for today:

• Alfa Bank;
• Raiffeisenbank;
• VTB 24;
• URALSIB BANK;
• Rosselkhozbank;
• Gazprombank;
• AK Bars.

What operations are available at ATMs of Rosbank partners

According to information on the official website, through electronic devices of partner departments you can:

• pay for the service of a mobile operator, Internet provider, utilities, fines;
• make a payment using your Rosbank card number;
• receive cash;
• transfer money to another card or account;
• repay a loan taken from your bank or partner;
• change PIN code;
• make payments for purchases in the online store;
• top up an electronic wallet of any system available in Russia;
• check your balance, get a statement.

Cash withdrawal without commission

The main advantage of the partnership is that clients have the opportunity to withdraw cash and deposit cash through third-party ATMs/terminals under the same conditions as in their own organization. Even if there is no representative office nearby, bank card holders use cash withdrawal services around the clock. If the terminal is located far away, and there is a partner’s device near your home or work, it will be convenient to take cash there, and no commission will be charged. There are limits on cash withdrawals that depend on the type of plastic and the agreement between banks.

Payment for services and mobile communications

In the regions where Rosbank and its partners are present, you can pay for services from more than 200 companies at ATMs/terminals:

• make a monthly fee to the accounts of Internet, mobile communications, television, telephony operators;
• replenish electronic wallets of payment systems;
• pay utilities;
• pay for goods from direct sales companies;
• replenish your personal account on a social network;
• pay for services of institutions, organizations, fines, taxes, state duties;
• replenish online game accounts;
• pay for purchases from online stores;
• deposit money into the accounts of other banking organizations.

Top up your card account

You can top up your bank account through Rosbank's partner banks at any ATM. To do this, you need to have with you the card from which the withdrawal is made, or cash if the device accepts them, and know the number of the plastic card to which the payment is made. Payment, according to partnership agreements between banks, is charged according to the tariffs of the service package of the native bank. There are absolutely no limits on replenishing a card account (credit, debit), either your own or that of another individual or legal entity.

Transfer funds between accounts

For the operation, you need a bank card and the plastic number where the funds will be sent. It is important to remember that the sender’s and recipient’s cards must belong to the same payment system - Visa, MasterCard, etc. There is no commission for transferring funds between accounts and deposits. You can transfer money at ATMs of Rosbank and partners:

• inside the bank;
• from card to card of another financial institution.

Loan repayment

Issuing loans from a partner organization is always more profitable than from a third-party bank. You can make a monthly payment for a Rosbank loan at any partner bank. To do this, you need to have with you the card that was issued when you took out the loan. Enrollment occurs within 1-3 business days. Please note: for late deposits, interest is charged for each day of delay. If the loan is repaid through partners, funds should be deposited in advance. It is important to remember that loan repayment is not possible at Alfa-Bank and Raiffeisenbank ATMs.

Receiving account statements from ATMs of Rosbank partners

The statement contains detailed information about the latest transactions. ATMs of Rosbank's partners issue a mini-version of it, where the last 10 transactions are indicated. Payment – ​​no additional fees, according to the client’s tariff plan. At partner banks, users receive loan statements, which indicate not only recent transactions, but also the amount of debt.

Tariffs and commissions of Rosbank partners

Rosbank's partners allow you to withdraw cash through their ATM without commission if you use a debit card. For other services and for credit cards, Rosbank's partners charge the same commission that is established according to the service tariff plan. You can find out detailed information regarding tariffs and commissions for cash withdrawal for a specific bank by calling the hotline 8-800-200-54-34 (free from any phone within the Russian Federation).

Limits on withdrawals without commission

Check the current limits in the table:

Bank's name	Daily limit	Monthly limit
Alfa Bank
Raiffeisenbank
Gazprombank
URALSIB BANK

Monthly cash withdrawal limit by card issue type

The maximum cash withdrawal amounts for a month are set not only by Rosbank’s partner banks, but also by the systems that service banking plastic. The maximum amount that can be cashed out per month is different for Visa, MasterCard, Maestro cards. It also depends on the type of card being serviced: classic (standard), gold, platinum. For VIP plastic (the last two types) the monthly limit is always higher than for regular ones. Limit amounts in rubles for cash withdrawals for all types are presented in the table:

MasterCard Standard			MasterCard/Visa Gold	MasterCard/Visa Platinum

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Rosbank partner banks - cash withdrawal without commission

In recent years, analysts have noted an increase in the number of citizens who prefer to pay for purchases with cards rather than cash. However, among the owners of bank debit cards there are still quite a lot of “lovers” of cash.

For them, the issue of commission-free withdrawal of money from the card is very urgent. Especially when it comes to small issuers or mid-sized banks that have a small ATM network.

It often turns out that the bank has only one office and an ATM in the city, which does not work around the clock, but according to a schedule. In such a situation, it is quite difficult for the owner to withdraw money without a commission from his “native” ATM.

Such inconveniences may prompt the client to change the card to a bank card with a wider bank network. Credit institutions also understand this.

To avoid such situations, they enter into partnerships with third parties. Take, for example, Rosbank. Its branch network is too small.

The organization has representative offices and ATMs only in a few of the largest cities, which can be counted on one hand (Moscow, St. Petersburg, Yaroslavl, Lipetsk, Krasnoyarsk, Vladivostok, Novosibirsk, Nizhny Novgorod, Yekaterinburg, Rostov-on-Don). In this case, what should Rosbank cardholders who live in smaller cities do?! Withdraw money with a commission from third-party devices?

No, because the bank took care of its clients through a large number of partner banks.

Among the banks with which Rosbank cooperates are the largest credit institutions with very developed networks of their own ATMs and PVN devices that cover the entire country: Alfa-Bank, VTB-24, Rosselkhozbank, Raiffeisenbank, Gazprombank, etc.

There are ATMs of at least one of these organizations in almost every locality with a population of over 25-30 thousand people. This means that the owner of a Rosbank card will not have difficulty withdrawing money without commission.

The essence of partnership

Rosbank has a one-way partnership with most of these banks. For example, VTB-24 is listed in the list of Rosbank partners, but VTB-24 cards cannot be used to withdraw money from Rosbank ATMs without commission. You need to understand this and carefully study the list of partners for each credit institution separately.

The essence of Rosbank’s partnership with the listed organizations is precisely to withdraw cash by card without commission. At ATMs of any of the listed banks you can withdraw cash using a Rosbank card for free. The bank does not provide for other types of partnerships.

Even for an interbank transfer to partner banks you will have to pay a commission of 0.5% of the amount, but not more than 750 rubles. and not less than 20 rubles. But replenishing a Rosbank card through third-party ATMs of partner banks is impossible.

List of partners, tariffs and limits

If we talk about limits on cash withdrawal from third-party ATMs, they vary depending on the partner bank:

Banks partners	Max. for VISA	Max. For Mastercard
Alfa Bank	200 thousand rubles.	200 thousand rubles.
VTB 24	100 thousand rubles.	100 thousand rubles.
Rosselkhozbank	10 thousand rubles.	200 thousand rubles.
Raiffeisenbank	150 thousand rubles.	150 thousand rubles.
Gazprombank	10 thousand rubles.	10 thousand rubles.
Uralsib	6 thousand rubles.	6 thousand rubles.
AKBars Bank	10 thousand rubles.	200 thousand rubles.

The least you can cash out on a Rosbank card at one time is at the ATMs of Uralsib, Rosselkhozbank, Gazprombank and Akbars Bank.

It is important to note that the issuance limits also depend on the card’s payment system. For example, with a Rosbank VISA card you can cash out no more than 10,000 rubles at a time at Rosselkhozbank ATMs, and with a Mastercard card this amount is 200 thousand rubles.

Maximum limits for cash withdrawals using a Rosbank card are set at ATMs of partner banks such as Alfa-Bank, Raiffeisenbank, VTB-24.

Do not forget that along with the limits on cash withdrawal from an ATM, there are daily and one-time limits on withdrawals using the card itself.

So, for example, with a standard classic Rosbank card you can withdraw no more than 150 thousand rubles. per day and no more than 700 thousand rubles. per month. At the same time, the maximum limit for non-cash purchases using the card is not limited.

For Rosbank cards of the Electron/Maestro/Classic payment systems, the fixed maximum daily withdrawal amount is 100 thousand rubles, and the monthly one is 250 thousand rubles.

Withdrawing cash from a Rosbank credit card is not possible without paying the commission stipulated by the concluded agreement. Its size depends on the category of the card.

Conditions for receiving cash from a Rosbank credit card

Although, according to Rosbank’s terms, interest on cash withdrawals from a credit card is provided for all types of plastic, an undeniable advantage will be the extension of the grace period to transaction operations. This approach is not typical for most banks. This solution gives owners of Rosbank credit cards the opportunity not to limit themselves in the options for using credit money and, if necessary, withdraw them without paying interest during the grace period.

In addition, the size of the commission when withdrawing cash from Rosbank credit cards does not depend on the transaction option.

The same percentage is paid when using:

• Own ATMs and PVN;
• ATMs and PVN of partner banks;
• PVN, terminals and ATMs of third-party financial organizations.

Third-party organizations have the right to set their own commission for transactions with other people's credit cards, which is added when the transaction is carried out. Please clarify this issue before carrying out the procedure.

Percentage of commission charged

For Rosbank credit cards of the Platinum category, the conditions for withdrawing cash require payment of a commission of 4.9% (at least 290 rubles).

For Classic Visa and Standard MasterCard credit cards, the percentage for cash withdrawals will be as follows:

• Unnamed: 6.9%, minimum 500 rubles;
• Cash card: 1%, minimum 290 rubles.

Conclusion

Cash withdrawals from almost all Rosbank credit cards occur under the same conditions. The advantage of bank credit cards is a single commission for all withdrawal options and the extension of the grace period to transaction operations.