Tinkoff bank card partners. Tinkoff Bank partner organizations

Tinkoff Bank is the only one in the Russian Federation that does not have its own ATMs. Its main narrow specialization is the provision of remote services for cashless payments. If necessary, you can withdraw cash from your Tinkoff card, following certain rules.

Debit or credit card

Let’s immediately decide which plastic card for banking transactions you have in your hands

The credit card is intended for making non-cash payments, paying for services, and receiving credit funds. For using credit funds from the card, a monthly fee, interest on overdue payments, and money for card maintenance are charged.
The debit card is intended for making non-cash payments, paying for services, and receiving cash. It allows you to use only the funds that you put there, unlike credit, when you use the funds provided by the bank. The Tinkoff card allows you to receive interest on your balance.

Conditions for cash withdrawal

The conditions for withdrawing cash by debit card are quite lenient - Tinkoff Bank does not have partners, but does not charge a commission for withdrawing funds from a debit card. There are several points to consider:

withdrawal of money from a debit card will be interest-free at any ATM of any bank in Russia if you withdraw an amount exceeding 3,000 rubles;
if the amount is below 3,000 rubles, you will be charged a commission of 90 rubles;
Some intermediary banks charge a commission for transactions, so carefully read the information on the ATM display.

Conditions for withdrawing funds from a credit card

Withdrawing cash by credit card will entail a single commission of 2.9% of the amount and 290 rubles.

There is a list of banks that do not charge funds for the provision of services. Information about them is contained in the form of reminder stickers on ATMs.

It’s easy to cash out a credit card at Sberbank without interest, but a withdrawal limit may stop you. The most favorable withdrawal limit in Rosbank. It is worth using ATMs that indicate the MasterCard payment system. Then the interest on withdrawals will be minimal.

There is a special tariff plan that you can choose when applying for a credit card. Depending on your credit history, various bonuses are regularly offered, including a minimum rate for withdrawing a certain limit. In addition, there is a fund limit plan. This plan determines the maximum amount you can withdraw from the card at one time, without additional surcharge.

How to cash out in another way

It is possible to withdraw money from a credit and debit card through an electronic payment system such as WebMoney or Qiwi. These are the most profitable services that charge a minimum percentage for the transfer procedure to cards of other banks.

How to top up a Tinkoff credit card

You can top up your card without commission at partner companies. These are MTS, Euroset, Svyaznoy, Unistream, Russian Post and Beeline. These companies have ATMs with a clear interface.

In addition, you can transfer funds to the card through any cash desk; no additional interest is charged for replenishing the card. However, the intermediary may charge a certain amount for the transaction or service. The Tinkoff tariff plan provides for the accrual of interest for replenishing a credit card in such a way as to compensate the client for services at other ATMs or cash desks. To transfer funds through the cash desk, you will need a passport and account details.

Service through the electronic payment system is carried out without commission, with the accrual of bonus interest.

You can do this by using the money transfer service through Euroset, Contact, Zolotaya Korona; these companies charge interest for the service and transfer of cash to the card.

What you need to know

You can top up Tinkoff Bank cards at any intermediary bank; there is no commission for such a procedure. Partner banks can set their own commissions, depending on their financial policy:

For all operations with cards you need to have a personal account on the official website.
Details for transfers or account replenishments can be found on the personal page of the official website, or by using the hotline services.
There is no amount limit for replenishing the card.
When replenishing through an intermediary's cash desk, funds are credited to the card within 3 days, when working with terminals - instantly.
For transactions through the cash desk, a passport and account details are required.
When replenishing a Tinkoff card, no commission is charged; the intermediary sets its own service fees. You can find out where it is most profitable to replenish or withdraw funds from your card by calling the hotline.

Tinkoff Bank's partners are not only other banks, but also various commercial organizations. The list of affiliate program participants is constantly expanding.

Relevance of the affiliate network

Tinkoff Bank is an institution that has not opened a single branch in other cities or regions of the country. His located in Moscow. The organization installed more than 100 of its own ATMs in 2018.

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In this situation, management was forced to develop and implement an affiliate program under which Tinkoff clients can withdraw cash, top up cards, and repay loans on favorable terms.

Types of partner companies

Various organizations are involved in this project. Conventionally, they can be combined into four groups:

Trading platforms and services working online. The peculiarities of such companies are a high percentage of cashback and various bonuses. This will allow you to receive certain savings when purchasing goods using online resources.
The shops, portals producing co-branded cards.
ATMs partners where you can withdraw cash, both your own and credit, without commission, as well as carry out a number of other transactions on favorable terms.
Partners who replenish cards and other accounts opened with Tinkoff.

Important! Tinkoff has entered into mutually beneficial cooperation agreements with the International Monetary Fund. This will allow not only the owners of the institution, but also its clients to receive additional preferences.

Tinkoff Bank partner ATMs

Tinkoff card holders can withdraw their own and credit funds from absolutely any ATM, regardless of their affiliation with a particular institution.

However, partner banks do not set a fee for withdrawing your own money from a debit card.

Other companies that are not participants in the affiliate program charge certain percentages for each individual transaction.

Money from Tinkoff cards is possible subject to certain conditions, namely:

The transaction amount exceeds RUB 3,000. When cashing out a smaller amount, the bank withholds a commission. The tariff is 90 rubles for each transaction;
The daily volume of all operations will not exceed 150,000 rubles. If necessary, the client can receive money in a larger amount. The tariff for this operation is set at 2% of the total amount.

Tinkoff Bank partner banks for cash withdrawals set restrictions on cash withdrawal operations of their assets:

Establishment	Limit for 1 operation, rub.	Daily limit, rub.
Sberbank	7500	100000
Rosbank	30000	150000
Binbank	30000	100000
Gazprombank	9000	100000
Promsvyazbank	9000	150000
VTB 24	7500	300000
Alpha	10000	300000

If the client needs to withdraw cash from a credit card, he will have to pay a commission of 2.9% of the transaction amount and an additional three hundred rubles.

Tinkoff Bank's own ATMs

Today in Moscow there are about 30 ATMs of its own network. They meet in Auchan City, Moscow City, Kursky and Belorussky railway stations, Mytishchi and Lyublino.

A list of all Tinkoff ATMs in Moscow can be found.

A complete list of addresses where bright yellow Tinkoff ATMs are installed can be found on the bank’s website.

You can withdraw funds without paying interest from such an ATM within the limits of 150 thousand rubles, 5 thousand dollars or 5 thousand euros within one day.

Withdrawing money abroad

Tinkoff Bank also has partners far beyond the borders of the state. Customers have access to card cashing operations.

Depending on the transaction amount, the owner will have to pay a commission, established by partner banks:

Money can be issued in any currency, however, conversion is carried out at the Tinkoff Bank exchange rate on the date of the transaction.

Top up your card account

The client can top up his own accounts in one of the following ways:

Non-cash transfer from any current account to a card account;
Transfer between cards;
Deposit cash at one of the points providing such services.

You can top up your card account by bank transfer at any of the partner banks, for example. Operations are not charged.

The list of replenishment points includes:

MTS, Svyaznoy, Euroset, Beeline stores;
Terminals of the Mosoblbank, Sberbank, MKB and others networks;
Post office;
Zolotaya Korona service, Unistream payment system.

In the Alfa Bank terminal, Tinkoff card replenishment is debited commission of 0.3% of the deposited amount.

We wrote more about replenishing a Tinkoff Bank card account in.

Other partners of Tinkoff Bank

The list of Tinkoff Bank partners is constantly expanding. Today, a number of commercial organizations cooperate with financial institutions:

Euroset stores;
Svyaznoy salons;
MTS stores;
Beeline retail outlets;
Post offices;
Europlat and Cyberplat self-service terminals.

If a client finds it difficult to choose a Tinkoff Bank partner, he can always contact the support service and receive comprehensive advice or visit the official website of the institution.

Stores with favorable conditions for Tinkoff customers

New participants are added daily to the affiliate program operating at the financial institution.

These include not only Russian banks and mobile phone stores, but also popular online stores.

These are partners of Tinkoff Bank, offering interesting working conditions:

Shop	Cashback	Bonuses
AliExpress	2%	Bonus points can be exchanged for goods, you need to accumulate at least 500 points
Google Play	5%	-
eBay	2%	Bonus points are awarded; to exchange for goods you must accumulate at least 2000
OneTwoTrip	2% - 3% on ticket purchases; 5% - 7% when booking hotel rooms; 1% on all other offers	-
Lamoda	2%	Co-branded cards will bring 2% - 8% on the balance on them
Letual	0,6% - 5%	-
Otto	0,2% - 12%	-

The list presented is far from complete. The presence of the Tinkoff logo indicates that the online store is a participant in an affiliate program from a financial and credit organization.

A complete list of Tinkoff Bank partner stores can be found here.

Let's sum it up

Tinkoff Bank has an affiliate program, the participants of which are both banking institutions and various stores.

Despite the lack of its own developed regional network of offices and ATMs, withdrawing money and topping up Tinkoff accounts without commissions does not present any difficulties.

Additionally, Tinkoff Bank partners award cashback, bonus points and co-branded cards.

The list of Tinkoff Bank partner stores that offer cashback is a great opportunity to get a refund after making purchases. It can reach 5% of the amount spent.

Main partners of Tinkoff Bank cashback: list

Tinkoff Bank cooperates with many stores where you can pay with plastic cards. Along with the At least 1% is refundable.

The percentage is based on the amount paid for the services provided. The list below shows the leading partners of Tinkoff Bank that provide cashback.

Name	Number of percent to return	Notes
Google Play	Up to 5	Accrued as bonuses
AliExpress	Up to 2	Points are accumulated, which are exchanged for goods when they reach 500. 6% is added to the balance.
eBay	Up to 2	You need to accumulate at least 2000 bonuses to exchange them for goods. Up to 6% is given for the balance. If the purchase price exceeds 500,000, no bonuses will be awarded.
Lamoda	Up to 2	If you have a cord brand card, 6% goes towards the balance.
Svyaznoy	1	On special offers - up to 15%.
Burger King	10	For lunch.
OneTwoTrip	From 1 to 7	Depends on the service: buying tickets, paying for a room and others. For the balance – 6%.
Letual, Rigla, Magnolia, Wildberries, Bookvoed	Up to 5
Ozon, Powder	Up to 7
Otto	Up to 12
MyToys	10
Chocolate girl	No more than 5	For dessert.
liters	Until 6	For purchasing e-books.
Trajectory	Up to 12	Buying sportswear.
AMF	15	Flower delivery.
Finn Flare	7.5
ConceptClub	10
Tom Taylor	13.5

How and when is cashback credited?

The bank uses cashback (money back) as a program that encourages making purchases using plastic cards. It is accrued once monthly.

Main– the fact of payment by card (a certain percentage of the purchase is automatically credited to the account).

SMS notification about cashback crediting on the Tinkoff card

Partners of Tinkoff Bank providing cashback are various stores, services, other banks, thanks to which money is returned.

The following rules are established:

The partner must confirm the fact of payment made.
For 1 ruble, cashback equal to 1 bonus is awarded.
Rounding is carried out: to the nearest whole – in ruble cards, to hundredths – for foreign currencies. Rounding goes down.
Maximum per month: in ruble equivalent - 3000, in foreign currency - 100. In individual cases, it may change. To do this, you should contact the bank.

A report with points is sent monthly

Tinkoff card with cashback

You can earn cashback at Tinkoff Bank by ordering one of two types of cards:

Tinkoff Bank cards

Credit. It contains bank funds that can be spent at your discretion. They are returnable. A grace period has been established that does not provide for the accrual of interest. If you cannot repay the amount within this time, it will increase.
. Linked to an account, there are restrictions on the amount. You can only spend what is in your account. The bank charges interest on the balance.

Tinkoff Black

It is the best among the debit cards provided by the bank.

note! It can be made multi-currency by choosing not only rubles. Moreover, the currency can be changed.

Set the desired currency

All transactions are carried out via the Internet. There is a convenient mobile version that you need to download from Google Play. Cashback on the card is maximum.

It is charged in the following amounts:

1% — for regular purchases(from 100 rub.);
5% — awarded for three selected categories;
Up to 30% — for special offers, put forward by the bank's partners.

Here cashback is credited not in bonuses, but in money. This operation is performed monthly. If the balance on the card is no more than 300 thousand rubles, it increases by 6% per annum.

Transferring money

These may include (car rental, sporting goods or pharmacies). After three months, categories are allowed to change.

Useful video:

How to use cashback and get some money back?

Since Tinkoff Bank’s partners allow cashback, this should be used.

To do this you should:

Access your individual account via the Internet.
View all completed transactions.
If there is the word “compensate” next to some completed operation, you need to click on it.

These simple manipulations via the Internet are enough to activate cashback and return part of the money spent.

Regular and increased cashback allows you to return up to 6,000 rubles. If this amount is exceeded for a month, it is not credited. Cashback in the form of rubles and points requires timely use.

Conditions and percentage of cashback at Tinkoff Bank.

Cashback(from English cashback or Amer. cash back- cash back) is a term that is used in the areas of online trading, banking and gambling to designate a type of bonus program to attract customers and increase their loyalty.

Cashback in retail and online trade- this is a deferred discount returned to the client after the period allocated for exchange/return has expired.
Cashback in banking- a loyalty program that encourages the client to make purchases using a plastic card.

The cashback scheme differs from traditional discount schemes and discounts and consists of the following:

The customer pays the retail price to the seller (this may include any regular discounts and promotions announced by the seller);
The client receives a refund of part of the purchase price (bonus) from another person - not from the seller, but from an affiliate that provides the seller with an influx of customers;
The source of cashback is the commission paid by the seller to the affiliate for each buyer. The owners of cashback sites share these commissions with customers, stimulating them to purchase goods and services on their portal.

The term came to Russia from Great Britain and the USA. . The spelling of the term in Russian has not yet been formalized. It is used in various variants depending on the source of borrowing:

Cashback (cashback, cashback, cashback, cashback, etc.) - from English sources;
Cash-back (cash-back, cash-back, cash-back, cash back, cash-back, etc.) - from American sources.

How and when cashback is credited

Cashback is credited once a month during the billing period specified in your agreement. Cashback will only come after you have paid for your purchase and received confirmation from the store or service. To avoid any unpleasant surprises, be sure to read the rules for calculating cashback at Tinkoff.

Cashback is paid in bonuses: 1 bonus = 1 ruble.
For cards in rubles, the result is rounded down to the nearest whole number.
For cards in foreign currency, the result is rounded down to hundredths of a whole number.
Maximum cashback amount per month: 3000 rubles or 100 dollars / euros / pounds. It can be changed individually by contacting a bank employee.

Tinkoff card with cashback

Credit

Credit cards involve using bank money. You buy services and goods with credit funds that you must return.

If you manage to repay during the grace period, you will not be charged interest. If you are late, you will have to return more. Tinkoff also pays cashback to credit card users. The bank's best credit card is Tinkoff Platinum.

Debit

Cashback debit card linked to main account. You can withdraw as much money from it as is left in your account. At Tinkoff, debit cards earn money by accruing annual interest on the balance on the card during the billing period.

Debit card holders also receive cashback on purchases. Tinkoff Black is considered the best debit card of the bank.

Tinkoff Black

A debit card on which 6% interest on the account balance is charged monthly. In addition, you receive monthly cash back:

for the purchase of special offers - from 3 to 30%;
for purchases from the increased cashback category (what this is, see below) - 5%;
for all other purchases (for every 100 rubles spent) - 1%.

Card yield: 6% per annum in rubles, 0.1% per annum in dollars or euros.

You can select the card currency - dollars, euros or rubles.

Servicing Tinkoff cashback cards is free for those who have an open loan, deposit or 30,000 ₽ on the card. If you don’t have any of this, you will have to pay 99 ₽ per month.

Cash withdrawal (from RUB 3,000) is free at any ATM.
All transactions on bank cards with cashback can be viewed and tracked in the Internet bank or mobile application.
SMS notifications about card transactions cost RUB 39 per month.
You can apply for a card online, and they promise to deliver the card within 2 days.

Tinkoff Platinum

Credit card for daily spending with cashback.

Credit limit- up to 300,000 ₽.
Interest-free period- up to 55 days.
For clients who pay on time, the bank automatically increases the limit.
Monthly payment- up to 8% (set individually, usually 6%).

Cashback amount:

for any purchases - 1% of the amount spent.
for purchases from the “special offers” category in the Internet bank - from 3% to 30% of the amount spent.

Cash back is awarded in bonus points (1 bonus = 1 ruble). They can be spent on purchasing train tickets and paying bills. You cannot withdraw them in cash.

You can use funds from the card to repay loans from other banks. The transfer fee will not be charged, and you will not have to pay interest on this loan for 120 days.

Cost of servicing the Tinkoff Platinum card- 590 ₽ per year.
Cash withdrawal fee- 2.9% + 290 ₽.

Tinkoff Aliexpress

Credit

Tinkoff credit card with cashback, designed for shopping on Aliexpress or in any other stores.

Cashback amount:

from purchases on AliExpress - 5%;
from any other purchases - 1%.

Cashback is awarded in points, 1 point = 1 ruble. You can use them to pay for purchases on AliExpress costing from 500 rubles.

Credit limit- up to 700,000 ₽.
Interest-free period- up to 55 days.
Free card replenishment.

Interest rate

for purchase transactions - 23.9–29.9% per annum;
for cash receipt transactions - 29.9–39.9%.

The minimum payment is determined individually (but does not exceed 8% of the debt).

SMS notifications- 59 rubles per month.
Cash withdrawal fee- 390 ₽.
Maintenance cost- 990 ₽ per year.

You can also issue an additional card for your loved ones, its maintenance will be cheaper - 590 ₽ per year.

Debit

Make purchases with your card, and part of your spending will be returned to your account in the form of points:

Cashback amount:

for purchases on AliExpress - 2%;
for special offers from bank partners - from 3% to 30%;
for all other purchases - 1%;

Cashback at Tinkoff is awarded in bonuses, which can be spent on purchases on AliExpress. Cashback cannot be withdrawn in cash.

Profitability:

Refused from Tinkoff? Card 100 days without interest from Alfa-Bank -

7% per annum on balance up to 300,000 rubles.
3% per annum on balances over 300,000 rubles.

Cash withdrawal (from 3000 rubles) is free.

Service cost: 99 ₽ per month, but if you have an open deposit, a cash loan or at least 30,000 rubles in your account, then the service will be free.
SMS notifications about all card transactions- 39 ₽ per month.

Categories with increased cashback

Since 2016, Tinkoff cardholders can choose increased cashback categories. If the store you choose is included in the list of stores in the active category, you will receive 5% cashback, instead of the standard 1%. You can select three categories and change them every quarter.

Such categories can be, for example, pharmacies, sporting goods, car rental and others. A complete list of categories and stores can be found in the “Bonuses” section of the Internet bank. There is also a list of special offers for which cash back is paid from 3% to 30%.

Reviews of Tinkoff cards with cashback

Perhaps the main argument in favor of Tinkoff is the feedback from the bank’s clients. On the website banki.ru it ranks 2nd in the national rating. Users note the reliability and convenience of the bank. On the negative side, the commission for cash withdrawals is unpleasantly surprising, and errors occur in the Internet banking and application.

Most ratings are either 5 or 1, so the average rating is 3. It is noteworthy that the bank's support responds to every review; if the user is angry, they solve his problem individually.

Bank rating on banki.ru

Reviews on the website otzovik.com

Users on Otzovik are also happy. Among the shortcomings, they note that the cashback is not the largest, the rounding of the cashback is not in favor of the client, and the commission for cash withdrawals. Some miss physical bank branches and live communication with staff.

Minuses:

cashback is rounded down to a disadvantage for the client;
Card service and SMS notifications are paid;
there is a fee for withdrawals of less than 3,000 in cash;
not the highest interest rates
cashback on general expenses up to 1%;
cashback cannot be withdrawn in cash, only spent on new purchases;
Judging by the reviews, technical problems in the bank are not uncommon.

+ Pros:

ease of registration and delivery of the card;
you can choose categories with increased cashback and change them;
55-day interest-free period;
Tinkoff has cards with increased cashback for one store (AliExpress, eBay, lamoda, etc.);
free and convenient online banking, mobile application;
remote operations - 24/7 support and no queues;
reliability and customer trust.

Tinkoff Bank cashback partners

Numerous Tinkoff Bank partners provide cashback in the amount of 1 to 5%. But there is also an increased percentage, when you can return almost a third of the funds spent on purchases. There is a small list of partners on the official website, a more complete list is presented below

BASIC PARTNERS OF TINKOFF BANK CASHBACK: LIST

The number of Tinkoffbank partners providing refunds from purchases is constantly expanding. Only a small part of them is visible on the official website. The main partners of Tinkoff Bank cashback are included in the following list:

In this chain of stores you can get back up to 3% on purchases if you pay with a Tinkoff card.
A well-known Chinese platform for e-commerce and product purchases. If you shop on the site, the cashback is almost 5%.
A well-known American site and at the same time an auction. When making purchases on it using a Tinkoff card, you can expect a refund of 3% of the order amount.
A resource where clothes, shoes and accessories of different brands are presented. Cashback is 5% and is awarded in the form of cumulative bonuses. Then you can spend them again on LaModa.
Google Play. An application store from an American corporation. Cashback here reaches 10%.
All Airlines. The company's website sells air tickets to different destinations. Cashback is 30% of the cost of ordered tickets. It is not rubles that are returned, but miles, which will later be useful for purchasing other air tickets on the same website.

The highest percentage of cashback is offered by the following partners of Tinkoff Bank:

Chain of stores "Svyaznoy".
Chain of shoe stores "Kari".
Media Markt.
Wildberries
Website for clothing and shoes "Lamoda".
American auction site "Ebay".
Burger King chain and others.

It is unlikely that you will be able to find the entire list of partners. But in the personal account of the Tinkoff card holder it is indicated for which previously made expenses you can receive compensation. You just need to click on the “Compensate” button and get a few percent back to your account.

HOW TO ACTIVATE CASHBACK OF TINKOFF BANK PARTNERS

Now owners of Tinkoff debit and credit cards do not need to independently monitor the lists of partners who issue refunds from purchases. You just need to go to your personal online banking account and see a list of all transactions. If there is a “Compensate” mark next to the transaction, this means that there is a cashback for the transaction. Detailed instructions are described below.

WHERE TO SEE CATEGORIES OF PRODUCTS AND SERVICES WITH CASHBACK FROM TINKOFF BANK

Cashback can be used by owners of different Tinkoff Bank cards: both debit and credit. Each holder has its own list of bonuses, which include cashback - the return of part of the money spent in different stores.

The bank has its own list of partners: various establishments, chain stores, online and brick-and-mortar stores. If plastic card holders make purchases online or locally using the card, then these partners return part of the funds back to the account.

On the official website, Tinkoff Bank cashback partners are not represented by the entire list. Why?

The full list is very large and is unlikely to be useful to the card holder. The fact is that each Tinkoff Bank card owner has his own list of bonuses, which he can see in his personal Internet banking account.

By going to the “Bonuses” section, he sees a list of categories of goods and services for which he can receive cashback. He can choose categories for which increased cashback is provided - up to 5%. Its standard size is up to 1%.

Example:

The owner of the debit card went to his personal account in the “Bonuses” section, and then to “Special offers”. All subsections will be visible on the page: from home repairs to art, supermarkets, etc. You need to check the boxes next to those categories for which you need increased cashback. If previously he himself assigned a list of them, now once every three months the holder can choose three categories himself. They will return up to 5% of the amount spent. For other categories - up to 1%.

Among the bank’s partners there are companies that provide services and sell goods in categories with increased cashback. If the cardholder makes a purchase with them, up to 5% of the amount spent will be returned to his account.

HOW TO USE CASHBACK AND GET PART OF THE MONEY BACK

Current partners of Tinkoff Bank cashback- these are not only shops, but also taxi services, air travel, travel agencies, beauty salons, medical clinics and hundreds of other companies. If the cardholder has made a purchase of a service or product in one of these stores/establishments, then he is guaranteed to receive a refund of part of the amount spent.

To do this, he needs to use the cashback service in his personal Tinkoff Internet banking account. The algorithm is as follows:

You need to go to your personal account.
Next, go to the section with lists of all completed transactions.

Credit and debit cards from Tinkoff are primarily intended for making purchases using non-cash payments.

This is more profitable thanks to a unique bonus system and the accrual of certain interest per annum on the balance balance for the billing period. There are several ways to withdraw money without commission through ATMs from a Tinkoff Bank card.

How to profitably receive cash from a Tinkoff Bank card?

The Tinkoff company does not have offices or its own ATMs in Russia that allow you to withdraw money from your account. However, this does not prevent customers from withdrawing funds from the balance on the card at any of the nearest ATMs or cash dispensers.

One of the methods is also considered to be transferring finances from one bank account to another or to a virtual wallet (for example, WebMoney).

There are 2 types of cards issued by Tinkoff Bank:

debit (that is, savings);
(similar to the concluded loan agreement).

When applying for a card, a potential client fills out a form on the company’s official website. Based on the specified data, the bank employee calculates the individual terms of the tariff plan chosen by the depositor.

At the same time, a certain limit for withdrawal of funds is set on the card, which can be increased over time (note that such a condition is allowed 4 months after receiving and activating the card).

It is impossible not to note the advantages of cards from Tinkoff:

free registration and delivery of any card to an address convenient for you;
free maintenance and re-issuance of the card if necessary;
free account replenishment in many ways through the company’s partner organizations;
the ability to withdraw part of the balance as cash is absolutely free.

It is most profitable to withdraw money from debit cards, while cashing out funds from credit cards involves paying a certain commission. You can learn more about the amount charged from the documents accompanying the card.

Withdraw cash without commission from an ATM

If you are the owner of a debit card, it will not be difficult for you to withdraw funds without any commission through an ATM of Tinkoff Bank partners. To do this, just select the nearest terminal and withdraw an amount exceeding 3,000 rubles.

In the following cases, there is a commission fee for withdrawing money:

90 rubles if you withdraw up to 3,000 rubles;
2% of the transaction amount (not less than 90 rubles), if more than 150,000 rubles are withdrawn at once.

Please note that cash points may charge an additional fee for cashing out part of the funds from the account. It is more profitable to use ATMs.

If you are a credit card holder, you will not be able to avoid being charged a certain fee. In this case, the account allocated to the client is not intended for cash withdrawal.

The cost of the commission fee depends on the terms of the tariff plan, established individually by the bank, as well as on the tariff chosen by the depositor and the withdrawal method. For example, to receive money through an ATM, the client will have to pay an average of 2.9% of the withdrawn amount and an additional 290 rubles.

How can money be withdrawn from a card in another country?

If you can withdraw money from a Tinkoff Bank card without a commission at an ATM in Moscow without any problems, the situation with cashing out an account abroad is somewhat more complicated.

For example, if funds are withdrawn from a debit account, which requires an account in dollars or euros, withdrawals over $100 or €100 are not subject to fees at most ATMs.

If we are talking about other sizes, the commission is equal to:

$3 if the client withdraws less than $100;
3€ if the depositor withdraws no more than 100€;
2% of the withdrawn amount (not less than 3 € or 3 $), if withdrawing more than 5,000 dollars or euros.

Withdrawing funds from a credit or debit card in another country is also carried out at any ATM, however, if you have a ruble account, the currency is first converted from Russian to local at the bank’s rate.

Formally, you can withdraw cash from a credit or debit card at any ATM. Tinkoff recommends using the terminals of partner banks. On the territory of Russia there are more than 300,000 points for replenishing an account or withdrawing funds from the card balance.

Tinkoff's partners include the following banking institutions:

UralSib Bank;
TransCapital Bank;
AK Bank;
Absolut Bank;
and others.

Formally, you can withdraw money from any banking institution that services the Master Card payment system - Sberbank, Alfa-Bank, Gazprombank, VTB Bank and others.

How to control the withdrawal operation?

To monitor the operation of withdrawing money from the card, we recommend using the following services of Tinkoff:

Internet banking;
mobile banking;
SMS banking.

The first two methods of monitoring transactions on an individual client account are free. Internet banking allows the depositor to view information about all actions carried out using the card through his personal account. Mobile banking gives access to the same information through an application on the gadget.

Connection to SMS banking is provided on a paid basis, the monthly fee is only 39 rubles. With its help, the client can monitor ongoing transactions in more detail.