Raiffeisen Bank is a Russian subsidiary of Raiffeisen Holding (Austria). Today, the institution has gained popularity in the financial sector, as its own network is actively developed and cooperation with financial institutions is established. Thanks to work with Impex Bank, the organization entered the top 15 banks in the country that are in demand in the field of lending and investment.
To improve the work of the bank, a convenient customer service system has been created on acceptable terms. This allows you to make the organization in demand. That is why there are Raiffeisen partner banks. It is possible to withdraw money without a commission in these organizations. Funds can be replenished, transferred using self-service devices.
About the bank
Raiffeisen Bank began operating in Russia since 1996. Now this organization has a developed partner network. Its main activity is the servicing of legal entities and individuals. An important area is investing in economic sectors.
Due to successful development, the bank has many ATMs, self-service terminals. Due to cooperation with other institutions, clients have the opportunity to use advantageous services.
Bank Benefits
Raiffeisen Bank has the following advantages:
- Availability of partners in different countries.
- Withdrawals without commission.
- With a debit account, you can transfer funds to a credit card.
- Reliable reputation.
- The account is replenished with electronic currency through Qiwi and other systems.
The main thing that partners of Raiffeisen Bank can provide is ATMs without a commission. St. Petersburg, like other cities, has many devices for withdrawing funds. The bank also has a secure Internet banking system.
Bank customers can use a wide network of ATMs located throughout the country. Now over 2 thousand of such devices are working. The benefit for customers lies in the service conditions provided by Raiffeisen partner banks. Without a commission, it is proposed to withdraw funds from many ATMs (more than 16 thousand).
Organizations offer to withdraw money from the card without charging a commission. Plastic is needed for:
- Transfers to other cards.
- Use of Internet banking.
- SMS alerts connections.
- PIN code changes.
- Making payments.
- Cash withdrawals.
If this bank is not in the city, then you should look for Raiffeisen partner banks. Without a commission, you can withdraw money at all ATMs belonging to these organizations.
Commissions
Since withdrawal of money is carried out with a commission for services in third-party organizations, you must make sure that there will be no charge before using the device of another institution. Favorable conditions are provided by Raiffeisen partner banks. Without a commission, as already mentioned, cash is issued at all ATMs of these structures.
If you withdraw money in third-party terminals, then this happens on the following conditions:
- Cashing out up to 3 million per day.
- Commission 300 rubles or 0.7%.
- Collection of 150 rubles + 0.5% at an ATM that is not a Raiffeisen partner.
If an ATM is used to issue money on a card of another issuer, the conditions of cooperation must be taken into account. Raiffeisen provides cash withdrawals without commission only thanks to partners.
Affiliate network
Banks working with Raiffazen create an affiliate network. Thanks to it, customers can withdraw money without commission. Partners include:
- Rosbank.
- MDM Bank.
- "MKB Bank".
- Bank UniCredit.
- Uralsibbank.
- Binbank.
- Gazprombank.
- Russian Agricultural Bank.
- Energotransbank.
It is necessary to look for these ATMs and then there will be no commissions. Devices are in most shopping centers in large cities.
Withdrawal rules
Raiffeisen customers can withdraw cash with some restrictions:
- If you use a Visa credit card, then there may be a commission. It all depends on what conditions a particular financial institution offers. And with debit cards Visa, MasterCard, Maestro there will be no problems.
- The size of one operation is limited (7.5 or 15 thousand rubles). If you exceed the amount, then commissions are charged.
It is under these rules that Raiffeisen Bank partners work . ATMs without a commission in large cities can be found everywhere. The affiliate network is accessible to people all over the country, as investors and borrowers are offered excellent service and a guarantee of reliability.
Features of the procedure
To withdraw money, just find a partner's ATM. They are located in shopping centers, as well as in the offices of banks themselves. The procedure is no different from the standard. The client needs to insert the card into the device, enter the PIN code, and then select the "Cash withdrawal" section.
The menu offers payment for various services. For them, partner ATMs also do not charge a commission. ATM addresses can be found on the website.
Rosbank
If there is no Raiffeisen in the city, where to withdraw without commission? Partner banks have a network of ATMs throughout the country. Rosbank has about 3,000 devices. Since 2012, customers withdraw funds without commissions. Payment for utilities and card replenishment is also available.
Rosbank has a developed ATM network, so the devices are located in many cities of the country. Remote service is very convenient for most customers because it saves time. Through an ATM you can transfer money, pay for television, telephony. You can find out the addresses of ATMs through the site.
MDM Bank
Has other cooperative organizations Raiffeisen. Partner banks carry out withdrawals without a commission at the box office and through ATMs. Now the institution is collaborating with MDM Bank. The function of receiving information about their account without commissions is available to customers. The number of devices is more than 9,400.
Raiffeisen became the owner of a developed ATM network, which allows customers to gain convenient access to their funds. In big cities, there are many cash withdrawal machines. In addition to withdrawing money without commissions, other services are also carried out: transfer of funds, payment for services, repayment of loans.
"MKB-Bank"
The main advantage provided by Raiffeisen Bank's partners is ATMs without a commission. Moscow, like other large cities, includes many withdrawal devices. One of them is Moscow Credit Bank OJSC, which is only in the capital. The main direction of the organization is the development of the retail business, as well as corporate customer service.
In addition to these banks, cash is also issued at other ATMs. In large cities there are devices of Uralsibbank, Gazprombank, Rosselkhozbank and other organizations. Each of them offers its own conditions for the provision of services, but at ATMs, funds can be withdrawn and replenished without commission.
Refill
Without a commission, you can not only withdraw funds, but also replenish your account. If you need to replenish a credit card or deposit funds to a debit, then you need to use the MDM Bank self-service terminal. There is no commission for the procedure. The maximum payment is 45 thousand rubles. For a month you can replenish the card no more than 450 000 rubles.
You can get information about the nearest ATMs and partners thanks to the R-Mobile mobile application. There are addresses and operating hours of the terminals. This information can also be found on the official website.
Types of cards
The Unembossed card is considered unnamed, so it is issued instantly. It is enough for the client to write a statement. The service is provided to customers from the age of 14. After receiving the plastic, it is possible to perform operations on a contactless system. Money can be withdrawn at cash desks and ATMs. It is also possible to pay for purchases and services via the Internet. Cards are accepted at all points of sale. Debit card service costs 240 rubles per year. It is more convenient to use partner ATMs for withdrawing funds.
Standard cards are also offered to customers, for which a limit of 200 thousand rubles is provided per day, and 1 million rubles per month. Maintenance costs 750 rubles a year, but when you make an “Optimal” package this package will be free.
Gold debit card is available in several forms. Master Card is issued with the Golden package. When leaving, a 5% cashback is valid. Visa allows you to use bonuses issued for cashless payments. The gold card has a free expense notification, discounts from partners and uninterrupted service in the office. Services cost 4.5 thousand per year.
Loans
The bank offers customers loan processing. Moreover, each has its own conditions. For many programs, collateral is not required, the need to search for a guarantor. There will also be no additional fees. The application is considered within an hour, after which the client is notified of the decision. If it is approved, then within 15 days it is possible to apply for money by submitting documents. An agreement is concluded with the client, which serves as the regulation of the rights and obligations of the parties.
You can repay the loan by any means, but it is better to choose ATMs of the bank or partners. Money is also deposited through cash desks, payment terminals and online services. Most methods allow you to transfer funds quickly.