Raiffeisen maximum withdrawal amount per day. ATMs are partners of Raiffeisenbank. Raiffeisen Bank partners: commission-free ATMs

The banking system in the Russian Federation is developing, the market is stabilizing, and in connection with this, various products, for example debit cards, are becoming more and more popular. Before applying for such a tool, it is worth understanding why it is needed and how to use it correctly.

Many clients, when it comes to payment cards, call them “credit cards,” although this name is erroneous. A debit card is a kind of wallet that allows you to make cashless payments. The credit card contains borrowed funds from the bank, and the current account contains money that belongs to the client. Here you can store an unlimited amount without worrying about its safety, in addition, some products even allow you to make a profit.

Basic moments

The Raiffeisenbank Debit Card is used to pay for goods and services through a terminal, withdraw cash from an ATM and make online purchases.

Not every card is capable of bringing profit to its owner, but such a possibility exists if the applicant applies for a “profitable” product that allows interest to be calculated on the account balance.

DCs are different: some are used only for making payments on the Internet, others are universal and have more functionality. There are also differences in the geography of use, so such nuances should be clarified in advance.

There are unnamed and nominal cards. The first ones are issued in a few minutes, but if the consumer ordered plastic of the second type, he will have to wait about two weeks (the specific production time is set by the issuing bank).

When signing the agreement, you should inquire about any additional service fees and paid options that may be activated.

Order a card

When receiving a Raiffeisenbank Debit Card, everything is very simple - the applicant, who has a passport with him, performs the following steps:

• Selects a financial institution, a Debit card, the conditions for its registration and use. The user will indicate what interests him, and then from the presented options he will select the most suitable one in terms of all characteristics.
• Clicks the “Online Application” button.
• Fills out the form, enters personal information and passport data.
• Contacts the manager and finalizes the deal.
• Receives a card.

What are the pros

Why are recreation centers so in demand:

• security guarantee;
• Ease of use;
• no difficulties with declaring income when traveling abroad;
• the ability to constantly control spending;
• wide geography;
• payment for any purchases and services via the Internet, without waiting in lines;
• accrual of profit on the balance and cashback.

How to use

Using a card is convenient, and with it, unlike a credit card, you don’t have to think about when you will need to deposit money into your account to pay off the debt. Replenishments for further use are carried out when the owner needs it, or he receives a salary, pension, scholarship, etc. at the DC. Purchases at offline and online points are paid instantly: in the first case, the plastic is inserted or applied to the terminal, and in the second it is required indication of details.

Raiffeisenbank debit and credit cards are a convenient financial product for cashless payment for purchases. But those who are more accustomed to using banknotes need to know what Raiffeisenbank’s limits are for cash withdrawals. It is worth considering what restrictions exist on withdrawals for certain periods of time.

Cash withdrawal limits from Raiffeisenbank debit cards

The financial company offers clients various types of debit card products, among which everyone can choose the best option. The Raiffeisenbank limit for different cards differs and depends on their category. Currently, the bank issues the following types of cards by category:

• Classic/Standard;
• Gold;
• Premium.

Among them there are card products with special options, for example, a 10% discount on payments in cafes and restaurants for food lovers or a mileage accumulation program for frequent travelers.

Raiffeisenbank can set a withdrawal limit for a day, for a month, as well as for all expense transactions. Therefore, before applying for plastic, it is important to familiarize yourself with the limits of Raiffeisenbank debit cards.

Daily limit

Monthly limits

The monthly cash withdrawal limit at Raiffeisenbank via an ATM also depends on the card class:

The cash withdrawal limit at Raiffeisenbank via an ATM in 2017 is quite high, and this allows cardholders to easily receive the required amount in their hands.

Raiffeisenbank credit card limits

As for Raiffeisenbank credit cards, the cash withdrawal limit at an ATM is limited by the available account balance. You should also remember about the commission for withdrawing cash from credit cards, which is significantly higher than for a similar transaction with debit cards.

The maximum limit for credit cards from Raiffeisenbank is not available to all borrowers. The amount of borrowed funds is set individually by the financial institution and directly depends on the client’s solvency.

If the approved loan limit no longer meets the borrower’s needs, he can increase or decrease it by contacting the bank office and writing an application.

The maximum available limit on a Raiffeisenbank card 24/7 depends on the type of card:

• for Standard/Classic and Gold class cards – 600,000 rubles;
• for Premium class cards - 1,000,000 rubles (as part of the Premium Direct and Premium service package).

Limit increase

You can increase the amount of borrowed funds on a Raiffeisenbank credit card only by personally contacting a bank branch. Moreover, this can be done for the first time no earlier than 3 months from the date the card was issued. Then, it is permissible to make such applications no more often than once every 6 months. You must have a passport and a 2-NDFL income certificate with you. The decision to increase the credit limit is made within one working week.

Also, the bank, on its own initiative, may offer to increase the loan limit. In this case, a corresponding notification is sent to the client. If you need to increase your limit, you should come to the bank with your passport and leave an application. The decision to increase the limit is made immediately.

Limit reduction

Reducing the available limit on a Raiffeisenbank credit card is a very simple task. It is enough to contact the bank with an identity document and fill out an application. However, the limit cannot be reduced below 15,000 rubles or below the amount of the current debt.

Cash withdrawal limits on Raiffeisenbank cards are optimal so that clients can easily withdraw the required amount, for example, in case of making large purchases or transactions.

Raiffeisenbank is a Russian subsidiary of a large holding company Raiffeisen (Austria). Currently, the bank is strengthening its position in the financial sector, successfully developing its own network and establishing business partnerships with the best Russian financial organizations. The merger of ImpexBank in 2007 allowed Raiffeisen to become one of the 15 leading banks in the Russian Federation, leading in the field of lending and investment from individuals, as well as in terms of assets.

In view of the increasing volume of non-cash payments using payment cards, the primary task of any growing bank is to create an accessible and simple system for servicing its clients on favorable terms. This need has led to the formation of a powerful financial alliance that allows clients to withdraw, top up, and transfer funds using self-service devices and ATMs of any of the partner banks.

Cash withdrawal using RaiffeisenBank cards

Raiffeisen clients have access to a wide network of ATMs throughout Russia, including 2 thousand of the bank’s own ATMs . Customers benefit from the terms of service provided by Raiffeisen Bank's partner banks. Commission-free ATMs installed by partners throughout Russia currently number more than 16 thousand devices.

Raiffeisenbank's partner banks provide services for withdrawing funds from a card in cash without charging any commission.The Raiffeisen plastic card allows you to do the following:

• transfer to another card;
• gaining access to the Internet Banking service, restoring access;
• connecting your phone to the SMS notification service;
• changing the card PIN code;
• various payments (payment for cellular communications, Internet, utility bills, etc.);
• cash withdrawal.

What is the commission for cash withdrawal?

Since cash withdrawals from a third-party bank require a service fee, before using the self-service devices of another financial institution, you should make sure that it is one of Raiffeisenbank’s partners. Partner banks provide their service to bank clients without commission, but third-party financial organizations will have to incur additional costs.

Cash withdrawals from a third-party terminal are subject to the following conditions:

1. Cash withdrawal limit – 3 million rubles in a day.
2. Cash withdrawal at a cash desk or branch - with commission 300 rubles or 0.7% from the withdrawn amount.
3. Commission for cash withdrawal from a financial institution not part of the Raiffeisen partner network - 150 rubles and additionally 0,5% from the sum.

If you use a Raiffeisenbank ATM to withdraw cash using a card from another issuer, you must take into account the partnership rules. Cards of partners with whom Raiffeisenbank cooperates will be serviced without commission. For cards of organizations that are not among the partners, a commission may be charged. In situations where it is not possible to withdraw money without a Raiffeisen Bank commission, the issuer is not a partner of Raiffeisen.

Raiffeisen Bank partner network

Banks that are part of the bank's partner network provide services for withdrawing cash and obtaining information about the card balance.

Which banks does Raiffeisenbank cooperate with:

1. "Rosbank";
2. MDM Bank;
3. "ICB";
4. Bank "UniCredit";
5. Uralsib;
6. "Binbank";
7. Gazprombank;
8. RosselkhozBank;
9. "Energotransbank".

General rules for cash withdrawal

When withdrawing cash from partner terminals, you must take into account some restrictions:

1. When withdrawing cash using credit cards of the Visa payment system, a commission may be charged, depending on the conditions for the provision of services of a particular financial organization. With debit cards Visa, MasterCard, Maestro there will be no problems with cashing out.
2. The cash out amount per transaction may be limited (7.5 thousand or 15 thousand rubles). Exceeding this amount may result in additional costs based on the specific conditions of the bank.

Thanks to a widely developed partner network, Raiffeisenbank is becoming more accessible to a wide range of people throughout Russia, providing its depositors and borrowers with excellent service and an additional guarantee of reliability.

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

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.