Monthly cash withdrawal limit. Limits on cash withdrawals from Sberbank plastic cards. ATMs and other banks

Any Sberbank client who has plastic cards acts on the basis of a service agreement drawn up and signed with the banking organization. This document sets out the basic rules for using cards, which the plastic holder undertakes to comply with. And the bank, in turn, provides a large list of services, which include settlement and cash services.

One of the types of services provided by Sberbank to its clients is cashing out funds stored on the card. But, given that the uncontrolled circulation of real money can provoke an increase in inflationary processes, banks are introducing restrictions on the withdrawal of money. Let's consider what the limit is for withdrawing money from a Sberbank MIR card per day, because this plastic card is actively gaining momentum and becoming popular among Russians.

Why is a withdrawal limit necessary?

One of the important tasks of any banking system is to control the limiting of cash (“live” money). If there are too many monetary units in the cash savings of citizens, this may lead the country to the development of inflationary processes. Then the Central Bank of the Russian Federation will be forced to print new, fresh banknotes, which will further provoke a depreciation of the ruble and an increase in prices.

Reducing and controlling the cash that circulates allows you to solve the most important macroeconomic problems.

Also, banking organizations have a personal interest in setting strict limit limits. After all, in this way your own financial position is strengthened. Unlimited withdrawals of cash by account and card holders could undermine the position of banks. By the way, similar situations have already happened. For example, in 2008, Ukrainian banks Prominvets and Nadra significantly increased their financial problems when clients cashed out most of their accounts and deposits at once.

What limits do Sberbank cards have?

The main bank of Russia has introduced two types of cash withdrawal limits. This:

1. Daily (or daily).
2. Monthly.

These rules are established and regulated by the laws of banking customer service. The limits themselves are not the same and depend on the type of plastic media. Its level is influenced by the privileges the plastic has. The limit will be different for:

• premium cards;
• Momentum card (instant issue);
• plasticity of the international and Russian national system.

The type of monetary medium also affects the limit: debit or credit. It has been noticed that the more class gradations the cards have, the lower the number of restrictions available. The most loyal requirements are set for Gold plastic (premium cards).

Current limits on the MIR card

For holders of plastic from the national monetary system, one of the pressing issues regarding the limitation is the limit for withdrawing cash at one time. Sberbank has rules for one-time transactions and they relate to the number of banknotes issued.

When cashing out money through self-service devices, the terminal informs the client about the bills available in the cash tank (their denomination).

A one-time cash withdrawal transaction cannot exceed 40 banknotes of the selected denomination. Sometimes a problem arises when the requested amount turns out to be less than necessary (due to the issuance of small denomination bills). The client has to withdraw money again, a day later.

Daily restrictions

The daily limit for withdrawing cash from a Sberbank MIR card is described in the following table:

Monthly limits

The total amount of funds available for cashing out is the sum of the daily limits. Requirements for MIR cards from Sberbank are described in the following table:

As you can see, the possibilities for withdrawing cash for clients holding MIR plastic cards are quite wide, capable of satisfying the needs of middle-income consumers. Of course, premium cards offer higher issuance potential. Sberbank does not provide cash carriers with unlimited cash withdrawals (they do not exist in other banks either).

Features of withdrawals from a debit card

Not all Sberbank clients who are owners of debit cards know that the banking structure allows exceeding cash withdrawal standards. To do this, you only need to fill out the appropriate application. It is worth understanding that when performing transactions to withdraw money within the established limit, commissions are not charged, but they will have to be paid if, at the request of the client, the established limits are increased. The commission amount is 0.5% of the requested amount.

Credit card terms and conditions

At the moment, it is impossible to issue a MIR credit card at Sberbank (due to their recent appearance on the market, there is still little demand). But there are prerequisites to assume that in the near future this largest bank in Russia will begin to issue credit cards of the national payment system. Therefore, it is worth reviewing the current rules for credit plastic of a different standard. They are:

• there is no monthly limit;
• Cash withdrawals are permitted only within the daily limits established by the loan agreement;
• there is a grace period (it is active for 50 days), during its validity period interest is not calculated, then the grace period terminates when funds are cashed out;
• when cashing out borrowed funds, the client is charged a commission (their percentage is indicated in the loan obligations and is equal to 3% when withdrawing money at bank offices and 4% when cashing it out through terminals).

How to withdraw an amount over the limit

This question often worries owners of debit plastic cards. Sberbank offers several solution options:

1. On request. To do this, you can contact customer support specialists (call center employees). After receiving approval for a specific card, the cash withdrawal limit will be increased and available at any ATM.
2. Office visit. To do this, you should come to the local Sber branch and seek advice from the manager. After the transaction is approved, the limit increases.
3. Open several debit cards. Then withdrawing the required amount of money will be quite accessible, even if you want to cash out more than the threshold established by the bank.

You can also use a money transfer. For example, transfer the required amount (if it exceeds the limits of what is permitted) to relatives’ cards or to your own plastic card from another bank. And then withdraw the required amount.

Where can I withdraw money from the Mir card?

You can cash out debit plastic of the MIR payment system from Sberbank in various ways. In addition to Sberbank ATMs, you can also use terminals of other banking systems. The methods you can use when withdrawing money from a MIR card are as follows:

1. At a bank branch. To make a transfer, you must present your passport, card and indicate the withdrawal amount. In this case, the recipient will have to pay a commission of 1%.
2. Via terminal. You must insert the card and activate it by entering your PIN. Then select the appropriate option from the main menu, dial the required amount for withdrawal and receive it. You can print a receipt. It is worth knowing that if you enter your PIN incorrectly three times in a row, the bank will block the card and it will only become active the next day.

You can also cash out your MIR card using ATMs of third-party banks. But you should know that you will have to pay commissions. By the way, if you use banking terminals of Sber partner banks, no commission will be charged. These are the following banking organizations:

• Uniastumbank;
• Rosselkhozbank;
• Admiralty Bank.

conclusions

According to statistics regularly conducted by Sberbank, recently there has been a decrease in cash turnover in favor of non-cash payments made using Sberbank cards. According to reviews from plastic card holders, using cards for payments is much more convenient and comfortable. Well, if necessary, you can always withdraw cash, taking into account the existing rules.

Banks have withdrawal limits. This is done both for the safety of the client and for the normal functioning of ATMs. In the regions, especially in rural areas, devices with a limit of 7,500 per day are still installed. This is extremely inconvenient, so such ATMs are gradually being replaced with modern ones, where the limit is 50,000 rubles.

What does the limit depend on?

Whether you can withdraw the required amount at once or not may depend not only on the capabilities of the ATM. The type of card plays a role.

• For pension, student, instant, transport and PRO100, the limit is 50,000 per day. The monthly limit will be 500,000 rubles. They belong to the lower class or simple cards - Maestro and Visa electron;
• For classic cards, the limit has been increased - 150 thousand per day and 1,500,000 per month;
• Gold cards with the prefix “Gold” in the name and the corresponding color are limited to a monthly limit of 3 million;
• Platinum card holders can withdraw up to 500 thousand daily and no more than 5 million rubles monthly.

If the ATM allows, you can withdraw amounts exceeding the agreed limits, but then a commission of 1 or 1.5 percent is possible.

You can use a little trick and withdraw smaller amounts several times or at several ATMs if the problem is due to device limitations. When it’s a card issue, this won’t help; besides, when withdrawing cash from a credit card, a fee is charged for each transaction.

Credit card limits

When drawing up an agreement, conditions are stipulated, including restrictions on withdrawal of money. In some cases, a certain amount must remain on the card; it cannot be emptied. If for any reason the ATM does not have the required amount of money (a message on the screen or on a receipt indicating a refusal), you should contact the operator. The system of “ordering” money is still practiced in the regions. When the branch does not have enough funds in the cash register, the operator will order the required amount for a certain day. You won't be able to get it right away. Or the client is sent to the branch that has this amount.

If you cannot withdraw an amount less than the ATM or card limit, you need to make sure the account status and that there are no blocks. To do this, it is better to contact the operator or the hotline number.

Payment for services and limits

Restrictions at Sberbank apply only to cash transactions. Payment for services, housing and communal services, traffic police, etc., can be paid in any amount. Transfers to cards to other bank clients may also be limited. Information about this is contained in each field of filling in the details during the transfer. It is not always possible to transfer funds from credit cards to pay for services; it is better to clarify the capabilities of a specific card when registering.

What to do if you need cash, but the card is lost or broken

In this case, you should contact the department with your passport and an operator will help carry out the removal operation. Limits will apply in accordance with the card terms and conditions.

Everyone understands that when using an ATM of the same bank that issued the card, there are no special limits on cash withdrawal from the ATM, everything is determined by the tariff of your card and the technical capabilities of the ATM. Technically, many ATMs can dispense 40 sheets (dispensing a pack horizontally), i.e. The withdrawal limit is 200,000 rubles, but ATMs have also appeared that dispense larger packs not through a slot, but in a niche, obliquely, they can dispense 90 sheets each, i.e. the limit is 450,000 rubles per withdrawal, I saw these in the offices of Alfa Bank, and now.

If you have a card that allows you to withdraw cash from ATMs of “foreign” banks without commission, for example a card, you need an ATM that issues the maximum amount on the card of a “foreign” bank, because Tinkoff Bank still has few ATMs of its own, and HomeCredit has even fewer, even in Moscow.

As a rule, in Russia, an ATM will give out from 5,000 to 10,000 rubles on a “foreign” card, ATMs of Sberbank and the Bank of Moscow usually give out 7,500 rubles per portion, these options are not very interesting. News:

• June 2016 — ATMs VTB they give out 100,000 rubles. cash.
• From 02/24/2016 ATMs Alfa Bank VISA other banks.
• From 01/18/2016 ATMs B&N Bank And MDM Bank issue cash with cards without restrictions Visa And Mastercard other banks, including Tinkoff.
• From 08/05/2015 Promsvyazbank canceled limits on ruble issuance on cards MasterCard other banks.
• From 04/03/2015 on “other people’s” cards MasterCardAlfa Bank gives 200,000 rubles at a time. If, after entering the PIN code, you see that there are 5,000 bills in the ATM, then 40 sheets will be 200,000 rubles.

A separate question about issuing currency from currency cards (for example, Tinkoff Bank).

Where can I withdraw dollars (USD) using cards from another bank? Only proven methods

1. RaiffeisenBank. (wide network of presence in more than 70 cities of Russia)
Issue 100$, 200$, 300$ (maximum 1 time), maximum total amount - 700 USD. Here is a map for finding ATMs https://www.raiffeisen.ru/offices/?active_tab=tab-2. Place the flag on “dollars” on the “ATMs” and “ATMs of partner banks” tab and remove “rubles”, then the card will issue suitable ATMs.

2. VTB. (huge network of ATMs in Russia)
Issue of 100$, 200$, 250$ or up to 200 Euro
Nowadays it sometimes lets through foreign cards with a large limit (for example, 500), but VTB is already putting things in order. And this limit will soon be for all strangers.
Russian foreign cards for VTB pass (, etc.)
There are euro and fifty-kopeck notes.
Free refills.
Currency ATMs are highlighted on the website, making it very easy to search.

3. Binbank(huge network, 98 cities of presence)
Withdrawal maximum $3000 at a time. The approaches can be continued. $100 bills.
Currency ATMs are not highlighted on the website, but B&N Bank's currency ATMs can be found through the Alfabank website:

https://alfabank.ru/atm/moscow/list/?out=usd&property=foreign
(substitute your city for Moscow)
At the moment, foreign and Russian cards have been verified.
Issues. (mastercard or visa does not matter)

4. Russian Standard Bank. (wide network of cities)
Withdrawal maximum $300 at a time. The approaches can be continued.
$100 bills.

Many cities do not have currency ATMs.
The downside is that currency ATMs are very often empty.

5. Bank Unicredit. (covering 34 Russian cities)
Maximum amount is $400 (amount is a multiple of 50 - 50-100-150, etc.)
Currency ATMs are highlighted on the website.

6. Alfa Bank
Maximum amount is $100, you can do several approaches.
Currency ATMs are highlighted on the website.

7. CitiBank
Maximum amount is $300. But since May 2017, cards from other banks began to charge a commission of $2.

Where can I withdraw Euro using other people's cards?

ATMs.
The banks are the same, with the exception of Citibank (it does not have Euro ATMs)
Raiffeisen – 300 euro max
Russian Standard Bank 200 euro max
Unicredit – 400 euros max

MDM Bank cash desk. Many people don’t know, but the following trick is taking place in the regions where this bank operates. Come to the bank's cash desk and you can withdraw up to $5,000 equivalent (euro, dollars, rubles) from the card of a “foreign” bank.
Very often, even the tellers themselves do not know that their bank has such a tariff. On the page http://www.mdm.ru/voronezh/retail/tarifs/ in PDF “Tariff collection of Transactions with payment cards”, page 16, paragraph 7. Tariffs of MDM Bank PJSC for transactions using bank cards issued by third parties banks, clause 2.2 - no commission. Call the elder and tell him - let the operator learn the tariffs of his bank in terms of cash settlement services (cash settlement services for individuals)
The downside is that there is often no currency.

Cash desk of B&N Bank. According to the document dated April 28, 2016, they issue currency using cards of other banks (including Tinkoff) without commission when ordering money by phone 2 business days in advance:

« Section 9. Transactions on cards from third party issuers
9.3. Withdrawal of cash (rubles, foreign currency) at cash issuance points (CAP) of PJSC BINBANK using a VISA/MasterCard (including Maestro) issued by a third-party Bank - No commission »

Where to withdraw rubles using cards from another bank?

Most banks in Russia will issue from 5,000 to 10,000 rubles on someone else’s card.
We will not consider them. Let's consider only the best banks:

• Alfabank (VISA and MasterCard) - 200 or 450 thousand rubles (40 or 90 sheets)
• Binbank, Promsvyazbank (MasterCard), Rosbank - 200 thousand rubles (40 sheets)
• Raiffeisen, MKB - 150 thousand rubles (30 sheets)
• VTB - 100 thousand rubles
• Russian Standard, MDM Bank - 40 thousand rubles

Other banks give out very little, for example:

• Sovcombank - 9000 rubles
• RRDB - 9000 rubles
• Sberbank - 7500 rubles

Any bank in the world has limits on cash withdrawals from cards. Sberbank of Russia also has its own system of limits. Limits apply to both the daily cash withdrawal maximum and the monthly maximum. Limits differ by card type and by the method of “cash out” money (through a cash register or through an ATM). Every year the limit falls lower and lower, which is a consequence of the bank’s policy of switching to non-cash payment options.

Today, the limits on daily cash withdrawals at Sberbank are as follows:

1) Cash withdrawal using an ATM.

In this case, the same limits apply both for ATMs owned by Sberbank and for “foreign” ATMs. Attention: if money is withdrawn using a Sberbank ATM from a card of another bank, it will cost the cardholder 4% of the amount withdrawn.

For Gold Master Cards and Visa Gold cards there is a daily limit of 100,000 rubles.

From other types of Sberbank cards you can withdraw no more than 50,000 rubles per day.

For cards issued by Sberbank's subsidiary banks in Belarus, Kazakhstan and Ukraine, special limits apply for each transaction.

2) Cash withdrawal at Sberbank cash desks

Allows you to get a larger amount of money in your hands than in the ATM option described above. The limits set by the bank in this case are longer in terms of validity - the maximum amount is calculated not per day, but per month.

Gold Master Cards and Visa Gold cards allow you to receive 9,000,000 rubles monthly.

From other cards issued by Sberbank, you can withdraw no more than 4,500,000 rubles per month.

Note. If you are going to withdraw a large sum at a time through the Sberbank cash desk, notify the employees you need in advance about the planned operation. Please note that, despite the large monthly limit, there are daily limits on the amount of free cash issued. As a rule, the size of the “free limit” corresponds to the size of the limit for cash withdrawal through an ATM. If you withdraw more than the limit, you will have to pay 0.5% of the excess amount.

3) Cash withdrawal through cash desks of other banks.

In this case, there are no limits limiting the amount of cash withdrawn. However, despite the fact that you can get any amount of paper money, it is not profitable - the interest rate for cash withdrawals in such institutions is much higher than the tariffs in force in Russia.

Plastic cards are a convenient way to have round-the-clock access to your personal account, which is opened at a banking institution. Thanks to this tool, you do not need to adapt to the bank’s work schedule, but you can withdraw money from an ATM or conduct settlement transactions on the Internet anywhere in the world at a time convenient for their owner.

Why is there a limit on cash withdrawals from Sberbank ATMs?

This bank, like other similar institutions, makes sure that its clients’ money is always safe. This type of security feature is a worldwide practice to limit the withdrawal of large amounts of money by scammers. After all, thanks to this, it will not be possible to withdraw all the money in the bank account at once in one day, and if the card is stolen, the client will have time to block his card.

When considering the level of such restrictions, it is necessary to note the different levels of cards. For example, at Sberbank ATMs for some cards the basic restrictions for other types of cards may differ. First of all, this is due to their level of security. Gold and Platinum status cards are considered more secure than instant or standard types. Some of them have special built-in chips that also help improve security.

You also need to take into account that the amounts of money that are on higher-class card accounts are always an order of magnitude higher compared to various standard student or social cards.

Can the restrictions I set be changed?

The established limit for cash withdrawals can be changed if you are not satisfied with it. To do this, you need to submit a written application to the service department in the prescribed form, which they will give you there. If your application is reviewed and a positive decision is made, your base limit will be changed.

Moreover, if you want to reduce it, then a positive result is more likely. And if you want to increase the limit, then there may be various nuances, using which the bank can refuse you. After all, it cannot be completely stated that all banks set such restrictions only to protect their clients.

Such limits are an excellent way to avoid the rapid extraction of cash resources, which the banking system has been so lacking lately. After all, as long as the cardholders’ money is in the bank, the financial institution can use it for its own purposes. This mainly involves issuing various types of loans.

What is the limit for cash withdrawals from Sberbank ATMs?

There are no uniform established conditions: each card offer has its own conditions, which differ from the level of cards issued, as mentioned above.

Let's look at the specific limits for credit cards and the three levels of regular debit cards.

By credit cards

Plastic cards, which imply the presence of credit funds on them, such as Visa Classic, MasterCard Standard, Visa Credit Momentum, MasterCard Credit Momentum, are the most common ones issued by this bank. The limit on cash withdrawals from Sberbank ATMs from a credit card of this level is 50 thousand rubles per day. And if you have a Visa Gold or MasterCard Gold credit card, then you can withdraw up to 100 thousand rubles in the same period of time. That is, the higher the level of the card, the fewer restrictions are imposed on it.

By debit cards

First on the list for the biggest restrictions will be, as is already obvious, instant ones. The limit on cash withdrawals from Sberbank ATMs using the Maestro card, as well as the Electron card (Maestro or equal, as in the case of simple credit cards, is 50 thousand rubles.

Next on the list are standard-level cards Visa Classic and MasterCard. You can withdraw up to 150 thousand rubles per day from them. That is, the operation limitation is at a level that is three times higher than the previous level.

If we consider the limit for cash withdrawals from Sberbank “gold-class” ATMs (Visa Gold or MasterCard Gold), then it is equal to 300 thousand rubles. This amount can be withdrawn within 24 hours.

If we consider such limits from the side of their owners, then they will completely suit any average Russian citizen who receives an ordinary income.

This is also convenient for the banks themselves - you can more clearly control the outflow of cash capital and timely notice various critical situations when fraudulent schemes and theft of funds from customer accounts are carried out.