Owners of Raiffeisen Bank plastic cards should check all the possibilities for receiving cash without commission. To do this, you should get a list of Raiffeisen Bank partner banks.
ATMs for cash withdrawal from Raiffeisen
Raiffeisen Bank's partner banks are represented today by a fairly large list. Today, all major financial institutions are partnering with other banks to expand their ATM network.
This allows you to serve a larger number of customers in different localities, without the need to place your own ATM in each location. Due to the savings that would be spent on servicing them, banks have the opportunity to improve the conditions for their products, making them more profitable for current clients and attracting new ones.
After concluding agreements and expanding the partner list, Raiffeisen today offers use of more than 18,000 ATMs. Of them:
- 2,000 belong to Raiffeisen Bank;
- 16,000 – ATMs of partner banks, where you can make transactions without commission.
In addition, Raiffeisen owns more than 7.5 thousand cash-in terminals and ATMs, through which funds can be credited to an account without commission.
A complete list of ATMs in your locality or a list of those closest to your location can be viewed on the Raiffeisen website, in the application, or for more information by phone.
List of bank partners
Raiffeisen's partner banks today are represented by the following list:
- Rosbank: is part of the leading European bank Societe Generale. The merger took place in 2011, after the purchase of Rosbank shares and the consolidation of the companies' assets in 2008-2011.
- URALSIB: an integrated regional network providing banking products and services to retail and corporate clients. It is included in the TOP 30 largest domestic financial institutions, as well as in the top ten for credit cards for wealthy clients and for charity, for small business lending programs, for mortgages with government subsidies, for opening and managing deposits through remote communication channels, etc.
- Moscow Credit Bank: member of leading associations and associations, provides all types of banking services. In 2014 it was recognized as the best bank in Russia, in 2015 – the best for business, in 2016 – the best in terms of service quality.
- UniCreditBank: the largest bank with foreign participation, ranked 11th in 2017 in terms of assets. In 2001, it merged with Austria Creditanstalt Bank, which became part of the UniCredit group in 2005.
- Rosselkhozbank: one of the largest banks, created in 2000 to develop the credit and financial system of the agricultural sector. 100% government agency.
- BINBANK: a reliable financial organization that prioritizes the development of small and medium-sized businesses. Present in many regions of the country.
- Energotransbank: the only regional bank in the Kaliningrad region, reorganized after the merger of OJSC People's Fund in 2006. Since 2011, it has been a member of the Kaliningrad Chamber of Commerce and Industry.
- Gazprombank: one of the three largest banks in terms of equity capital, serves the country's key business sectors, as well as individuals.
Commissions and withdrawal limits
Through ATMs included in the list of Raiffeisen partner banks, you can withdraw money without commission. If you go to the bank's cash desk, you will need to pay an additional 0.7% (minimum 300 rubles or 10 USD). These parameters apply to all cards except youth and children's cards. For the latter, the commission is 150 rubles. when removed through the compartment.
Using ATMs of other banks, you will need to pay 1% +150 rubles. (or 5 USD). The tariff for youth, children and Visa CASHBACK is slightly lower: 1% (minimum 100 rubles).
To get cash through an ATM of Raiffeisen and partners, you should follow the instructions:
- Insert plastic. Enter your PIN code.
- In the main menu, select Cash withdrawal.
- Specify currency.
- Options for withdrawal amounts will appear on the screen. If they are not suitable, you can select Another amount. You need to enter it in the box and click Continue.
- Afterwards you will be asked if you need to issue a check.
- First, the plastic from the ATM is returned. After that - money and a check. If you don’t pick up the card right away, the ATM will pick it up after 60 seconds (money – after 30 seconds).
Commission-free withdrawals from banks included in the list of Raiffeisen partners are possible within the limits provided for each specific Raiffeisen card:
- Unnamed: up to 120 thousand per day and up to 300 thousand per month (national denomination);
- Classic, incl. WORLD: up to 200 thousand and up to 1 million, respectively;
- Gold: up to 300 thousand and up to 2 million;
- Children's: up to 30 thousand per day and per month.
Partner ATMs also have withdrawal restrictions. They are different for everyone. More often, one transaction is limited to 150 thousand, but there are exceptions: UniCreditBank - up to 100 thousand, Rosselkhozbank - up to 200 thousand (national denomination)
ATM capabilities
Account replenishment is allowed without commission if you use devices and ATMs of Raiffeisen and partners, which include BINBANK and Moscow Credit Bank. Funds are credited to your account instantly. The exception is situations when replenishment occurs after 18.00 and on holidays and weekends. In this case, receipts can be expected the next day. The replenishment limit is 45 thousand rubles per day, 300 thousand per week and 450 thousand per month.
Raiffeisen Bank partners allow you to perform all other operations (not just withdrawals) through an ATM:
- Make a transfer;
- Check balance;
- Change PIN code;
- Pay for services to mobile operators.
At Raiffeisen ATMs you can also connect or restore access to Internet banking, connect or change your phone number for SMS notifications, and receive one-time passwords.
Conclusion
Raiffeisen partner banks allow you to withdraw money from your card through their own ATMs without commission, up to a certain limit. Through ATMs included in the list, you can also deposit funds and perform some other operations at Raiffeisen tariffs.
In this article, we will look at which partner banks of Raiffeisen Bank provide commission-free cash withdrawals, as well as the conditions for cashing out funds abroad.
The financial company Raiffeisenbank owns its own structure in the financial services market in the Russian Federation. Other partner banks make this network the most popular, attracting more and more clients, for whom the conditions for using the services are very favorable.
The list of Raiffeisenbank partners includes the following enterprises:
- MDM-Bank.
- UniCredit.
- Rosbank.
- Binbank.
- RosselkhozBank.
- Uralsib.
- Gazprombank.
- Energotransbank.
At any ATM or office of a partner bank, you can withdraw funds from a credit card, the daily withdrawal limit for which is from 200 to 300 tr. The difference is affected by the class of the card. The monthly limit can reach 3 million rubles.
You can withdraw money within these limits without commission. The smallest limit is provided by Tatfondbank and Unicredit, and the largest by Rosselkhozbank. In other affiliate networks you can also cash out, but pay a commission of 150 rubles. +1% of the cashed out amount.
You can also deposit funds onto a Raiffeisenbank card at other ATMs of such banks - B&N Bank, MDM, MKB. The one closest to you can be found on the official raiffeisenbank portal in the “ATMs and offices” category.
The network of partner terminals is wide, thanks to cooperation with other Russian banks.
The size of the withdrawal fee, and is it possible to do without it?
Raiffeisen does not charge additional interest when withdrawing money from its own terminals or through an ATM. But withdrawing funds from the branch’s cash desk has a commission of 0.7%, but this amount is at least 300 rubles.
Credit card holders must pay a small fee.
For Visa Classic Cash cards, Raiffeisenbank offers cash withdrawal without commission, and in other organizations 0.5%, but not less than 50 rubles.
If you own a Premium card and are connected to the corresponding service packages, then the percentage for cash withdrawals at Raiffeisen or partner ATMs will be 2% + 200 rubles. For standard and gold cards – 3% + 300 rubles. If you need to use ATMs of other banks to withdraw funds from the account of these cards, you will need to pay a commission of 3.9% + 390 rubles for each operation.
When withdrawing money from Raiffeisen ATMs using a card from another bank, no commission is charged. It is necessary to pay a percentage of the bank that owns the card, if this is provided for in the agreement of this banking institution. For example, for a Sberbank card in 2020 the commission is 1%.
Limits and restrictions on cash withdrawals at ATMs of the issuing bank and its partners. Maximum amount that can be withdrawn
The maximum cash withdrawal amount per day is 3 million rubles. This limit was set by the company.
The Raiffeisenbank cash withdrawal limit through an ATM in 2020 depends on the type of credit card. The limit on withdrawals per day is most often up to 300,000 rubles. But at the same time, Raiffeisenbank may impose some restrictions if staff suspect fraud with funds. For holders of classic and gold credit cards, the established limit is from 300 thousand rubles. For platinum card holders, this limit has been increased to 3,000,000 rubles. It turns out that it is more profitable to use Raiffeisenbank ATMs or partner terminals, since in this case you can withdraw funds without interest.
Corporate card holders have the opportunity to set limits on one-time and monthly withdrawals.
Features of withdrawing cash to Raiffeisen cards in other countries
It should be noted that in other countries, Raiffeisen bank branches are third-party and have nothing in common with Raiffeisen Bank in the Russian Federation. There are no partner banks outside Russia where cash withdrawals are available without commission. If you need to use ATMs in another country, you will have to pay a fee. It will not be possible to withdraw an amount above the established limit of this bank. All details can be found on the official portal.
Raiffeisenbank does not charge a fee for withdrawing cash from another ATM in another country if you activate a special service for travel.
In other cases, the commission usually does not exceed 150 rubles + 0.5% of the cashed amount. Also, in order to avoid situations where, when withdrawing funds, too much money disappears from the account, you should be aware that the bank whose ATM you use may have established additional rates for cash withdrawals, but this can only be found out from the staff of this credit institution.
As you might have guessed, using third-party terminals and ATMs is not always free and profitable, so it is better to avoid this or not exceed the established limits.
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. |
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.
Content
Russian credit institutions have learned to save their budgets without compromising the ability of clients 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 the partner banks of Raiffeisen Bank are helping in this, whose ATMs serve clients of the financial institution on a free commission basis.
What is a bank partnership
Any credit organization strives to provide its clients with comfortable and broad 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 dispensing devices. All this forces bankers to look for ways of close economic interaction with competitors. Affiliate banking agreements enable users to make transactions through ATMs not only of their own credit institution, but also of a third party. Affiliate system objectives:
- create conditions for your clients 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 profitable, because they allow them to increase their customer base, including in those places where it is not economically profitable to maintain expensive equipment. As a result, the financial institution has 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 convenient points.
Which banks does Raiffeisen Bank cooperate with?
The ideology of Raiffeisen Bank is stated as providing the client with 24-hour security and convenience in accessing finance anywhere the consumer is located. By attracting large credit institutions to cooperate, its partner network in the self-service services segment is extensive. Raiffeisen Bank's partners are leading institutions in the financial industry with developed, extensive services throughout Russia, due to which Raiffeisenbank cardholders have access to withdrawing and replenishing money without commission at a huge number of ATMs and terminals.
Raiffeisen ATM partners
An up-to-date list of which banks cooperate with Raiffeisenbank, as well as a list of payment devices, are posted on the Raiffeisen website. In addition to its own self-service devices, numbering over 2 thousand throughout 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 website you can find service devices on a virtual map in any city and region, not only in Moscow or St. Petersburg.
Raiffeisen Bank's partner banks 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 transaction amount:
How to withdraw money from a Raiffeisen card without commission
At partner ATMs, Raiffeisen Bank clients can request free information about the status of the card balance and withdraw cash on conditions similar to those provided by the credit institution’s own devices. According to the tariffs, cash can be withdrawn using debit cards without charging a commission; for credit cards, free withdrawals are provided for the Cash Card program. In order to withdraw cash from your card for free, you must.
And the partner banks have drawn up an agreement, thanks to which clients of these financial and credit institutions can use the services of self-service devices for a specified circle of people without a commission.
Raiffeisen partner banks
To carry out transactions with cards, Raiffeisen clients have access to more than 2,000 ATMs installed by this bank throughout the country. However, the capabilities of Raiffeisen bank card holders are not limited only to these devices. Raiffeisen's partner banks gave them access to:
- 16,000 self-service devices where you can withdraw cash;
- 7,700 devices that can be used to top up accounts, including card accounts.
Services to clients of the Austrian giant at such ATMs and terminals are provided according to the conditions of “home” tariffs, that is, those offered by Raiffeisenbank.
Partners of Raiffeisen Bank offer its clients to use their terminals, but with some restrictions on the maximum amount of one transaction. Partner banks that allow Raiffeisen Bank clients to make transactions through self-service devices without commission:
- Rosbank, which set a limit for one transaction in the amount of 150,000 rubles;
- URALSIB Bank set the same limit of 150,000 rubles;
- Moscow Credit Bank - 150,000 rubles;
- UniCredit Bank – 100,000 rubles;
- Rosselkhozbank – 200,000 rubles;
- Binbank – 150,000 rubles;
- Energotransbank – 150,000 rubles;
- Gazprombank – 150,000 rubles.
If the limit is exceeded, banks may charge an additional commission.
Terms of use of self-service devices of partner banks
In self-service devices belonging to partner banks, Raiffeisenbank clients can:
- transfer funds to another account, including an account belonging to a third party;
- gain access to the Internet Banking service, and also, if necessary, restore the access password;
- connect your phone number to the SMS notification service;
- change the card PIN code;
- pay for services;
- withdraw cash.
When accessing the services of self-service devices of Raiffeisen Bank partners, you need to take into account that the operating principles of such devices differ. Before using one of the ATMs, it is advisable to read the relevant instructions of the owner bank.
When replenishing a card account, funds deposited before 18.00 from Monday to Saturday inclusive will be credited to the account on the same day. Cash received after 18.00 from Monday to Saturday inclusive, as well as on Sundays or holidays, will be credited to the account on the next business day.
Restrictions that apply when depositing cash using self-service devices of partner banks:
- Account replenishment is allowed only in rubles;
- one operation is a maximum of 45,000 rubles;
- the devices perform no more than 3 operations per day, 10 per week and no more than 15 per month;
- in one day, devices can accept no more than 45,000 rubles for replenishing an account opened with a friendly bank, but a maximum of 300,000 rubles per week or 450,000 rubles per month.
It is impossible to replenish accounts of category “B” cards, as well as corporate cards, in the machines of partner banks.
Among other restrictions on working with friendly self-service devices, the following must be taken into account:
- limits on cash withdrawal or replenishment of a card account established for this product by the issuing bank;
- availability of the required amount at the ATM;
- denomination of banknotes inserted into the machine.
Conditions for charging commission
Replenishing a card account and withdrawing funds through devices of Raiffeisen Bank partner banks is possible in more than 30 regions of Russia, both for debit cards and credit cards.
Raiffeisen Bank partners provide services to its clients without commission, subject to the use of debit cards at self-service machines. The commission for withdrawing cash from credit cards is 3% plus 300 rubles.
The fee is charged by all alliance ATMs. The exception is the Cash Card product. In turn, Raiffeisen does not charge any fees when accessing its machines with debit cards issued by financial and credit organizations friendly to it.
Without commission, cash can only be obtained from ATMs of both Raiffeisenbank and its partners. But when receiving money from the account at the cash desk of an alliance member, they will take a commission in the amount of 0.7% of the transaction amount, but not less than 300 rubles.
If you withdraw cash from self-service devices of banks that are not partners of Raiffeisenbank, the commission will be 1% plus 150 rubles. For a Visa CASHBACK Debit card, the fee cannot be less than 100 rubles.
When transferring from an account opened with Raiffeisen to an account opened with another bank, 1.5% of the transaction amount (at least 50 rubles) is withheld.
Raiffeisenbank partners accepting loan payments
Raiffeisenbank cooperates with the Golden Crown service. At its offices you can repay loans issued with Raiffeisen, including credit card loans. When performing calculations, a commission will be deducted.
Similar calculations are possible in Beeline and Euroset communication stores. When making payments, a commission of 1% is withheld (minimum 50 rubles, maximum 200 rubles).
Bank clients can also use QIWI terminals to make payments on loan obligations. The service is accompanied by a commission deduction.
When using the specified services, funds are credited to the loan account on the next business day. To make a payment, you must provide your account details.
