What is the easiest and most profitable way to pay for a loan at Raiffeisenbank? List of official partners of Raiffeisen Bank Pay a Raiffeisenbank loan without commission.

The loan from Raiffeisenbank must be repaid monthly, so it is very important for the borrower to choose a repayment method that is fast, convenient and inexpensive.

No commission

If your main goal is to save money, or more precisely, not to overpay for a loan, then we offer the following ways to pay off your debt:

1. At Raiffeisenbank ATMs, you can transfer money from your card or deposit money in cash if the ATM is equipped with a function for accepting banknotes.
2. Transfer from a third-party bank card - this method can be called shareware. Conditionally - since the bank that issued the card may charge a commission for making such a payment. Raiffeisenbank does not charge any commission when accepting money received by bank transfer.
3. At ATMs and terminals of B&N Bank, Gazprombank, as well as MKB.
4. In the online account, see the video for more details.

Instant enrollment

All of the above methods will allow you to credit money to the borrower’s account instantly. To them it is worth adding a way to repay the debt at any Raiffeisenbank branch. Money can be deposited either from a card or in cash. Payment commissions are not charged if the loan repayment amount exceeds 10 thousand rubles. For payments of up to 10 thousand rubles, a commission of 100 rubles is established.

In MTS, Beeline and Euroset branches

Loan repayment is carried out through the system " gold Crown" You need to provide the operator with complete details for crediting the payment. These details can be found in the loan agreement.

Attention! Money is credited using this method only on the next business day after payment is received. Therefore, plan to repay your loan in advance.

The payment method for a loan from Raiffeisenbank JSC using the Zolotaya Korona transfer system is paid. The commission is 1%, but the minimum amount is 50 rubles.

QIWI terminals

Using this method, you can conveniently repay your loan at any self-service terminal owned by payment system. A payment fee will be charged and the money will only be credited the next day after the payment is made.

Cashless payment from another bank

If you have a card or account with another bank, you can transfer money to repay the loan. The cost of the service is set by the bank sending the payment. The timing of money transfer also depends on the sending bank. Maximum - 4 working days.

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 possibilities of holders bank cards Raiffeisen is not limited to just these devices. Raiffeisen 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.

Raiffeisen Bank partners offer its clients to use their terminals, but with some restrictions on maximum amount one operation. 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, if necessary, restore the access password;
• to plug 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 Sunday or on 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 the required amount at an 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 in relation to debit cards, and credit.

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 product " Cash card" In turn, Raiffeisen does not charge any fees when accessing its devices from debit cards, issued by financial and credit organizations friendly to him.

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 Visa cards CASHBACK Debit 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. In its offices you can repay loans issued at Raiffeisen, including loans under credit cards. 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).

Also bank clients for settlements on credit obligations can use QIWI terminals. 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.

Loan repayment methods

Repayment of a loan issued in rubles Find out more

Loan repayment through an account with JSC Raiffeisenbank,

1. Know the 20-digit account number at Raiffeisenbank JSC, opened to repay debt on a loan from BMW Bank, or the number bank card, if it is issued to the account.
2. Top up your account with Raiffeisenbank JSC, opened to repay debt on a BMW Bank loan, before the monthly payment date with the partner Bank in any way convenient for you:

Cash Find out more

Cash desk at a branch of JSC Raiffeisenbank

You can apply with a passport of a citizen of the Russian Federation to a branch of Raiffeisenbank JSC that is convenient for you.

No commission

QIWI payment terminals

Commission on tariffs of the QIWI system

Payment system "Golden Crown"

Commission on tariffs of the Zolotaya Korona system

The term for crediting funds to the account at Raiffeisenbank JSC is three working days

Using a card opened for an account with Raiffeisenbank JSC to repay a BMW Bank loan Find out more

If you do not have a Raiffeisenbank JSC card to repay a loan from BMW Bank, then you can get one at Raiffeisenbank JSC branches without commission Get the benefits

ATMs of JSC Raiffeisenbank

No commission

Deadlines for depositing Money- no less than one business day before the monthly payment date

Terminals of the Moscow Credit Bank

No commission

Deadlines for depositing funds - no less than one business day before the monthly payment date

ATMs of JSC Gazprombank

No commission

Deadlines for depositing funds - no less than one business day before the monthly payment date

Transferring funds from a third-party bank card

You can transfer funds from your bank card to the card of JSC Raiffeisenbank. Please check with us about this possibility. third party bank who issued your card.

From an account opened with JSC Raiffeisenbank

By transfer from any of your other accounts at Raiffeisenbank JSC via R-Connect or R-Mobile (Mobile application)

No commission

Deadlines - no less than two business days before the monthly payment date

Transfer of funds from your personal account in another bank to an account in JSC Raiffeisenbank.

Commission according to the tariffs of your bank.

The transfer order must indicate:

Purpose of payment: Translation own funds. No tax (VAT).

You can also find information about the terms of service and account replenishment on the website of JSC Raiffeisenbank

Loan repayment through an account with PJSC ROSBANK,
open for repayment of debt on a BMW Bank loan Find out more

To repay the loan you must:

1. Know the 20-digit account number in Rosbank opened to repay a BMW Bank loan.
2. Top up your account before the monthly payment date at the Partner Bank in any way convenient for you:

Using a card opened for an account with Rosbank PJSC to repay a BMW Bank loan Find out more

ATMs of PJSC Rosbank

No commission

Deadlines for depositing funds - no less than one business day before the monthly payment date

You can deposit cash into a current account opened with Rosbank PJSC to repay a BMW Bank loan through ATMs of Rosbank and partner banks equipped with a cash acceptance function.

By bank transfer Find out more

From an account opened with PJSC Rosbank

From an account opened in another bank

Transfer of funds from your personal account in another bank to an account in Rosbank. Find out more

Commission according to the tariffs of your bank.

Deadlines - no less than three working days before the monthly payment date

The transfer order must indicate:

Purpose of payment: Transfer of own funds. No tax (VAT).

You can also find information about payment on the website of PJSC Rosbank

Transfer of funds from your personal account from any bank to the account of BMW BANK LLC Find out more

Commission according to the tariffs of your bank.

Deadlines - no less than three working days before the monthly payment date

To repay the loan you must:

1. Know the date and amount of the monthly loan payment according to the Payment Schedule
2. Know the number of the Loan agreement
3. Contact the bank where your personal account is opened three business days before the monthly payment date

Purpose of payment: Transfer of funds to repay the loan under loan agreement No. ___ Full name___________ (in full) of the borrower. No tax (VAT). Sample payment order

Free repayment channels in populated areas,

where there are no branches of PJSC Rosbank Find out more

Irkutsk region

Republic of Tatarstan

Republic of Kalmykia

Kaluga region

Krasnodar region

Krasnoyarsk region

Nizhny Novgorod Region

The Republic of Sakha (Yakutia)

Samara Region

Sakhalin region

Tyumen region

Khabarovsk region

Yaroslavl region

Transfer of funds from your personal account in foreign currency from any bank to an account in ROSBANK Find out more

Commission according to the tariffs of your bank.

To repay the loan you must:

1. Know the date and amount of the monthly loan payment according to the Payment Schedule
2. Contact the bank where your personal account is opened at least five working days before the monthly payment date
3. Fill out the transfer form and be sure to indicate:

Loan repayment through a trusted person

If you want to repay the loan in foreign currency through a proxy (third party) - You need to issue a power of attorney to deposit funds into an account in foreign currency.

To do this, you and your authorized representative need to contact a branch of PJSC ROSBANK with passports of citizens of the Russian Federation. Registration of a power of attorney for loan repayment through a Trustee occurs once for a period of up to 3 years.

Transfer of funds from your personal account in foreign currency from any bank to the BMW Bank account Find out more

Commission according to the tariffs of your bank.

Deadlines - no less than five working days before the monthly payment date

To repay the loan you must:

1. Know the date and amount of the monthly loan payment according to the Payment Schedule.
2. Contact the bank where your personal account is opened at least five business days before the monthly payment date.
3. Fill out the transfer form and be sure to indicate:

For loans issued in US dollars

For loans issued in Euro

Early repayment of a loan at Raiffeisenbank means making settlements in accordance with the balances available to it financial obligations earlier than the date provided for by the contract lending.

Conditions and types of early loan payment

The conditions and procedure for repaying a loan earlier than the agreed period are common to all types consumer loans"Raiffeisenbank". There are two types of early payment of Raiffeisen loans:

• partial;
• complete.

In case of partial payment, a certain amount is paid, which is deducted from the principal amount. After this, the loan is recalculated and a new payment schedule is formed. If it is paid in full, the remaining amount of the loan is paid, taking into account interest up to and including the date of payment. In both cases, the borrower must fill out a corresponding application for the credit institution no later than one business day before the date of the upcoming write-off.

The client has the opportunity to make early deposits of funds under the loan, both in full and in part, on the last day before the estimated payment date. It can be carried out either at the initiative of the borrower or at the request of the bank.

A credit institution, when the grounds prescribed current legislation, may demand repayment of the full amount of the remaining debt earlier than the period established by the current agreement.

Grounds for the bank’s request for early repayment

Raiffeisenbank may require the full balance of the loan to be repaid earlier than the period specified in the agreement if:

• the borrower violates the deadlines for making monthly payments;
• the borrower does not use (or does not fully use) the loan in accordance with its purpose or the bank does not have the ability to control targeted spending funds issued;
• the policyholder violates his prescribed obligations by avoiding insuring the collateral;
• the borrower does not fulfill the obligations prescribed to him to ensure repayment, allows the loss or significant deterioration of the current condition of the collateral.

The emergence of grounds for payment earlier than the agreed period is determined by the bank. He sends his request to the borrower in writing. In turn, the borrower is obliged to pay everything no later than 30 days from the day the bank sent him the corresponding notice. Immediately after payment is made loan agreement terminated by agreement between its parties. If the borrower fails to comply with this requirement, the money will be collected in court.

Procedure for full and partial early repayment

To pay off your loan earlier deadline, you need to find out the amount of the current debt balance (relevant for full payment). To do this you can:

• contact an employee at one of the Raiffeisenbank branches (you must present your passport);
• use the function personal account in the Internet bank if you have access to it (issued at one of the ATMs or branches of a credit institution);
• call on hotline(numbers are listed on the official website for each region);
• study the loan repayment schedule and the executed loan agreement.

For partial early repayment a statement is also written indicating the desired amount. Deposits are written off on the last day of the payment period.

In both cases, the client will have to pay all interest for actual use credit funds, that is, until the date of write-off of the early repayment amount.

Payment methods

When all the above points have been completed, the borrower will only have to ensure the availability of a sufficient amount of funds in the account from which early repayment will be made in full or in part.

You need to be careful with the amount deposited into the account: even if one penny is not enough, early repayment will not occur. Monthly payments will continue to be written off in accordance with the repayment schedule.

There are the following payment methods at Raiffeisenbank:

• through its ATMs;
• through the “Golden Crown” system;
• transfer to an account from a card of another bank;
• in Raiffeisenbank branches;
• wire transfer from another bank;
• terminals, ATMs of B&N Bank or MKB;
• Qiwi system.

Specify current methods To make payments, you can visit employees in their offices or call the hotline.

Recalculation and closing of the contract

Upon partial payment of the remaining loan amount credit organisation recalculates the monthly annuity payment downwards. At the same time, the loan period remains unchanged. The client is given a new schedule for repaying the loan. For a new one settlement date the day following the date of partial early repayment is accepted. You can roughly calculate the new payment using loan calculator on the website, reducing the balance of debt according to the old schedule by the repayment amount. In case of complete early closure of the debt, either at the request of the client or at the request of the bank, the current agreement is terminated by agreement of the parties.

Using Raiffeisenbank ATMs, you can pay for housing and utility services in the city of Moscow and OJSC Mosenergosbyt.

Payment for housing and utility services in Moscow

1) In the “Select operation” menu, select “Payment for services”. Then select "Utility Payments".

2) You will see a list of organizations whose services you can pay for through an ATM. Select a housing and communal services organization in Moscow.

3) Select a payment option.

4) Enter the payer code. If the code is entered correctly, click "Continue". If not, click “Change” and enter again.

5) Enter the payment period - 4 digits in mmyy format. Click “Continue” if you entered the payment period correctly. If not, click Change.

6) Specify the payment amount in rubles. Minimum size payment - 10 rubles. If everything is correct, click Continue. If you made a mistake, click "Edit".

7) Check your payment details. If everything is correct, click Continue. If there are errors in the payment data, click “Change” and re-enter.

8) Pick up the payment receipt.

Payment for services of JSC Mosenergosbyt

1) In the “Select operation” menu, select the “Payment for services” operation. Then select "Utility Payments".

2) You will see a list of organizations whose services you can pay for through an ATM. Select the organization "Mosenergosbyt".

3) Having selected the operation, enter the book number, subscriber, check digit and PP code. All this information is indicated on the receipt.

4) Indicate sequentially the payment period (4 digits in mmyy format) and the current electricity meter readings. It is not necessary to enter meter readings. If everything is correct, click Continue. If you made a mistake, click "Edit".

5) Specify the payment amount. Minimum amount- 10 rubles. If everything is correct, click Continue. If not, click Change.

6) Check the payment parameters (amount and agreement number). If everything is correct, click “Continue”. If not, click "Change" and re-enter the information.

7) Check the payment parameters: personal account number, period and payment amount with commission. If all data is entered correctly, click “Continue”. If not, change your payment details.

8) Receive a receipt for payment.