Almost every Russian citizen over 18 uses cards of Sberbank. The most popular operation is cash withdrawal at the bank's terminals. Owners of credit cards can receive the required amount only within the limits of the card limit. But sometimes customers need more money than the cash conditions suggest. In order not to pay a commission to the bank, you should use one of the tricks on how to withdraw a large amount from Sberbank's card.
Cash withdrawal conditions at Sberbank ATMs
Withdrawing money involves cashing out a credit card account. The amount the client can receive is limited by the daily and monthly limits. Minimum client can get 50 thousand rubles in one day. Amounts for which the bank does not charge a commission are taken into account.
If the client wants to get over the limit per day, he must pay the bank. The size of the commission is 0.5% of the amount over the limit. For example, if the limit on the owner’s card is 150 thousand rubles, and the owner wants to receive 200 thousand rubles, he will have to pay a commission of 250 rubles. So much is a commission of 50 thousand rubles, which the cardholder withdraws in excess of the daily limit.
How to find out your limit?
Before calculating the estimated commission on the card, the conditions for its use should be clarified. The client can find out information:
- In the contract. It is issued with the application for a card. All tariffs on a debit or credit card of Sberbank will be registered there.
- In any branch. It is enough to take a card and a passport with you. The manager will help you figure out what the excess commission will be.
- By phone support. By calling, a client of Sberbank will receive all the necessary information at any time of the day. The call is free.
- On the website of Sberbank. In the section devoted to bank cards, there is information on payment methods fees. It can be downloaded as a separate file. Or find the type of card used by the client and read information about it.
Information on tariffs will let you know how much money can be withdrawn from a Sberbank card without a commission. It should be remembered that for credit cards, cash withdrawals at ATMs are always accompanied by a commission.
Large cash withdrawal methods
When cash is urgently needed, the client, alas, does not always have the opportunity to withdraw all funds from the card. Bank limits protect against fraud and loss in case of theft of a payment instrument. But restrictions sometimes prevent users from receiving a large amount during the day.
There are several options for withdrawing a large amount from a Sberbank card. All of them allow you to avoid withdrawal fees and restrictions. You can use one or more methods at the same time.
How to withdraw a large amount of money from a Sberbank card:
- Transfer to the account through the operator.
- Make a transfer to Sberbank Online.
- Make a listing in a self-service device.
- Use another Sberbank card.
- Transfer funds to another person.
Transfer at an additional office of Sberbank
When cardholders are unable to withdraw cash in the required amount, they, first of all, turn to Sberbank employees. To carry out the operation, you need to bring a bank card and passport with you.
The only way to withdraw a large amount from the card in one go is to transfer them to the account and make an expense transaction from it. If the client has no other account than a bank card, an employee of Sberbank will help create a new deposit.
To transfer, you should open a savings or universal account. Deposits will not work: they serve to accumulate funds.
How much can be withdrawn from a Sberbank card depends not only on the availability of funds from the client, but also on the capabilities of the savings bank. The limit at the box office of Sberbank is limited. Therefore, it is advisable to order cash in advance so that you do not have to withdraw money from the account in installments for several days.
An order of funds can be made a day or two before the proposed withdrawal. Required to name account holder and amount receivable.
Limits and Sberbank Online
It is not necessary to contact the bank to transfer funds. The operation is easy to perform in the Internet bank.
To do this, the client must be logged in. On the main page there will be cards and accounts. You should click on the "Operations" of the card on which the funds are located. Next - "Transfer between accounts and cards."
After selecting the amount and account to be credited, the operation must be confirmed. Money will be transferred instantly. Information is stored in the history of Sberbank Online.
After transferring funds, the client can apply with a passport to any office of Sberbank and withdraw cash from the book.
Listing in terminals
If the cardholder wants to withdraw a lot of money for one operation, he can transfer them to his account using ATMs. The transfer is recommended to be performed in the self-service zone, which is located on the territory of the Sberbank office. So the client will be easier: immediately after the transfer, he can go to the operator for removal.
How to withdraw a large amount of money from a Sberbank card using the terminal:
- In the menu, find "Transfers and payments".
- Select "Between your accounts."
- Decide on the amount charged and confirm.
- View the completed operation.
Transfer to another card
If the client has another debit card, to withdraw the entire amount, you can transfer funds not to the account, but to another means of payment. The operation can also be performed at the office, Internet bank or terminals.
This option, how to withdraw a large amount from a Sberbank card, is suitable for those who have not taken a passport with them or do not want to contact the office.
Third party help
To perform this operation, you should contact only those whom the client trusts. After transferring money to a third party, it will be impossible to cancel the operation.
How to withdraw a large amount from a Sberbank card in this way? It is necessary to transfer the amount over the limit to another client. He must withdraw the transferred money from his card at the Sberbank ATM.
When transferring, a commission of 1% of the amount is possible. Transfer of funds takes no more than 24 hours.