Daily cash withdrawal limit Sberbank. Restrictions on cards issued abroad

Important: in this moment The bank does NOT issue this type of card; the product has been discontinued.

Non-registered cards have undeniable advantages in terms of service tariffs and speed of processing. But there are certain rules for issued Sberbank Maestro cards: limits on cash withdrawals, receiving and spending funds.

The card product had a social orientation: its holders were pensioners, participants salary projects and students. After the introduction of the MIR system, Maestro was replaced with products of the Russian payment system.

You can get cash using this type of card in various ways:

• branch operating cash desks;
• ATMs;
• bank cash desks and terminals belonging to another territorial division.

However, the amount that can be obtained using these methods varies, and some of them involve charging a commission. Since plastic is one of the simplest, it has a limit on receiving funds - 150 thousand rubles. This value is the maximum for the month. At the same time, you can perform an operation per day for no more than 50 thousand rubles.

Similar amounts are provided for similar transactions in another region. The difference is the collection of a mandatory commission fee of 0.75%. The size does not depend on the method of receiving money, but only on the service unit.

Commissions and other restrictions on Maestro

If the client needs to exceed the specified limits for receiving money through an ATM, he must contact the bank branch. But in this case, a commission fee is imposed on the amount of excess:

• 0.5% – at the cash desk of branches belonging to the territorial unit that services the card account;
• 0% – ATMs in the region of the service department;
• 0.75% – in another territorial branch banking institution.

The holder of non-registered plastic should be aware of the presence of restrictions regarding its use abroad. Even in bank branches located in Ukraine, Kazakhstan and Belarus, this operation is not provided.

It will not be possible to withdraw money when using operating cash desks and self-service devices of other banks and financial institutions. There is no limit set for such an operation, since it is not provided for.

Receiving earnings in cash at the cash desk of an enterprise has long become an anachronism in modern world. In most cases, today's workers receive their salaries through enrollment. bank cards. The money goes there directly from the bank with which the company’s accounting department cooperates.

This method has both advantages and disadvantages. The advantages include the convenience of using the card: its owner can pay current expenses and bills without withdrawing cash. Most modern banks have their own Internet service, through which the client can also pay bills and make purchases.

Dear readers! The article talks about typical solutions legal issues, but each case is individual. If you want to know how solve exactly your problem- contact a consultant:

It's fast and FOR FREE!

Since the card owner does not deal with cash, he is free from problems associated with its storage and security, even if the card is lost or stolen, the person who takes possession of it will not always be able to use it. And even if the attacker managed to spend a certain amount, then there is still a chance to return it. If cash goes missing, there is almost no chance of getting it back.

It will also be an advantage to have numerous bonus offers and discounts. Many online stores and regular establishments provide certain discounts on purchases made with a bank card.

Also certain cards may have bonus system, according to which points are awarded for money spent. In the future, they can be exchanged for various goods or services, for example, a plane ticket, etc.

But there is salary cards and cons. They are largely due to security considerations. The main one is the presence of certain restrictions on cash withdrawals.

Why are restrictions needed?

Sberbank, like most responsible banks, does not prioritize protecting its clients from fraudsters when it comes to security. One of the effective ways to protect clients is the cash withdrawal limit for a Sberbank salary card.

Thus, even after gaining access to the card, fraudsters will not be able to withdraw a large amount in a short period. And after a certain time, the card owner will have time to block it.

It's also worth noting that withdrawal limits vary depending on the card type. For example, when removing Money from a card at a Sberbank ATM, cards with gold and platinum status will have a higher limit.

This is primarily due to the high security of premium cards: many of them have additional microchips that increase the security of use.

It should be borne in mind that the amounts placed on top cards are usually much larger than the amounts of money on ordinary cards, so a more loyal limit is simply necessary

Options for receiving money

Restrictions on withdrawing funds from a salary card also vary depending on the method of cashing out.

There are three different options to withdraw money:

General cash withdrawal limit for Sberbank salary card

For budget ones the general limit is 50 thousand rubles per day and 100 thousand rubles per month. For classic cards the limit size is 1.5 million rubles per month and 150 thousand per day for withdrawals from ATMs.

For “gold” and “platinum” cards, the maximum you can withdraw per month is 3 and 5 million rub., respectively. You can shoot per day 300 and 500 thousand rubles

For all cards of the above categories there is a withdrawal limit in third party banks, without a card - no more 50 thousand rubles

Important service details

Daily limits:

Options for debit and credit

The cash withdrawal limit for a Sberbank salary card also depends on the type of card. It will be different for debit and credit. Credit cards Sberbank are the most widely produced and limits on them begin from 50 thousand rubles. for cards of regular categories and from 100 thousand rubles. for “gold” cards.

The majority of salary cards are of the debit type. You can't get a loan with them, and maximum amount withdrawals are always limited by the amount in the account. Most instant debit cards have a withdrawal limit of 50 thousand rubles. These cards are aimed mainly at students and young professionals, so such a low limit is quite justified.

The next ascending categories are classic cards Visa and MasterCard. The terms of use of these cards provide for a withdrawal limit of up to 150 thousand rubles. per day. For “golden” cards this limit is doubled - to 300 thousand rubles. per day.

The above restrictions make it possible to both ensure the safety of client funds and contribute to the stable operation of the bank.

Reservations about the method

Is it possible to change them

If the client is not satisfied with the size of the cash withdrawal limit, he can change it. To do this, you will need to contact a Sberbank branch with a statement that you want to increase the limit; the application must be drawn up in the appropriate form. If the bank approves the client’s application, the basic limit specified in the agreement will be changed.

Moreover, the likelihood of approval depends on the client’s intentions - whether he wants to increase or decrease the limit. If the maximum amount that can be withdrawn is reduced, the chance of approval is much higher.

But in the opposite case - if the client wants to withdraw large amounts of money - a refusal by the bank is possible. It may be determined both by considerations of the security of the client’s funds and by the interests of the bank.

APPLICATIONS AND CALLS ARE ACCEPTED 24/7 and 7 days a week.

Most Russians use bank cards for non-cash transactions, but prefer to withdraw some amount in cash. No matter how actively the digitalization of payments takes place, school lunches, taxis, shopping at markets, etc. You can only pay in real money.

According to research by Central Bank statisticians, cash turnover behind last year decreased by almost a third - which (according to official version) indicates more active use of cards. Or maybe the fact is that banks have set too strict limits on cash withdrawals? Sberbank, for example, has reduced the limits on Sberbank cards by 3 times. In this article we will tell you how much money you can withdraw from a Sberbank card per day, per month and how to bypass the ban if you need a large amount.

Cash withdrawal limit at Sberbank ATM

By 2018, all self-service devices were updated to the latest software. ATMs have been updated to accept MIR cards, accept new 200 and 2000 ruble bills and new limits.

So, now at Sberbank the maximum withdrawal amount from an ATM is 50,000 rubles per transaction.

And the transaction limit on a Sberbank card already depends on the class of your card. For example, if the withdrawal limit for a Sberbank Visa Electron is 50,000 rubles, then no matter how hard you try, the ATM will not give out more.

Issue limits by card class:

• Low-level cards (Sberbank card) - the withdrawal limit at an ATM is 50,000 rubles per day, and 100,000 rubles per month;
• “MIR Social” card - daily limit 50,000 rubles, monthly limit – 150,000 rubles;
• All Visa Classic/ MasterCard Standard and Molodezhnaya – daily limit 150,000, monthly limit – 1,500,000 rubles;
• All Gold cards– daily limit 300,000, monthly limit – 3,000,000 rubles;
• Platinum cards – daily limit 500,000, monthly limit – 5,000,000 rubles;
• Infinite premium cards - the daily limit is unlimited, the monthly limit is 30,000,000 rubles.

It’s good if the planned procedure for withdrawing cash from debit card Sberbank fits within the stipulated framework. But what if you have been saving up a large sum and now the time has come for some kind of cash purchase? For example, a neighbor urgently moves and sells good car at a low price, you have wanted this car for a long time and have enough funds on your card. The seller does not agree to non-cash payments, but after the limit is lifted, the ATM displays a message that you have enough for today, come back tomorrow.

How to withdraw a large amount from a Sberbank card?

In our example, it would be stupid to follow the limits - wait a month, then another month, and so on until the moment of complete withdrawal the required amount. There is an easier option, how to withdraw a large amount from a Sberbank card without commission.

Since you are a user of a Sberbank card, you probably use “”. This is exactly what we need now.

Option 1 “Family limit”

Sberbank does not limit transfers by bank transfer so strictly - it is possible to transfer up to 500,000 rubles to someone else’s card per day. If your family has other cards, we transfer money to them online and take relatives to the ATM to withdraw your money for you. Of course, in this case we will only contact those whom we trust unlimitedly.

Option 2 “Savings account”

By using personal account"Sberbank Online" (not a deposit). We transfer the required amount to it and go to the bank’s cash desk to get the money (first take the cash register from the teller).

If the amount is very large, you will have to order money and wait 1-3 days.

Choosing one or the other plastic card, you should focus not only on the conditions and opportunities that it provides. It is important to study the restrictions imposed by Sberbank: daily limit on transfers, withdrawals, spending.

The bank offers its clients a wide range of card products to choose from, which are classified according to a number of criteria:

1. Type: credit, debit.
2. Purpose: social, salary, youth, children.
3. Format of use: domestic, international.
4. Payment system: Visa, MasterCard.
5. Product class: unnamed, Classic, Gold, Platinum, Premium.

In addition, there are partner products, for example Aeroflot or Podari Zhizn, as well as specific ones - electronic and contactless.

Daily limit on Sberbank card different types will vary, as will the features, terms and benefits of the products. If plastic is used for large operations, it is better to choose a high and premium level (Gold and higher). The limit also varies depending on the terms of cash withdrawal: through a cash register or an ATM.

It also matters structural subdivision, whose service is used for the transaction. In some cases, if you use self-service machines or a cash desk of another territorial division of a banking institution (not the one that issued the product), you will need to pay a commission. Similarly, commissions are charged when using the services of other financial institutions, and some types of transactions for certain products cannot be carried out in them at all. Other requirements are also provided for withdrawal of funds in subsidiaries abroad, cash withdrawals per day from Sberbank and commissions there will be less profitable.

Let's consider what limits are set for plastics of different formats:

• Platinum Visa, MasterCard: 1 million rub.
• Gold: 300,000.
• Classic: 150,000.
• Maestro Momentum, Visa Electron, Social, Student: 100,000.

For foreign currency accounts, the size of the limit is similar in terms of currency (dollar, euro) taking into account the current exchange rate. These parameters are provided for receiving funds at the operating cash desk and ATM of the department in which the client’s product was issued. Similar amounts apply when using the services of subsidiary branches of the bank and other financial institutions.

The client will need to pay a commission if Sberbank's daily limit is exceeded when carrying out a withdrawal operation. It is accrued only for the amount of excess, and not for total amount. It is 0.5% for all types of plastics, except non-name (instant).

For Maestro Momentum, Visa Electron, Student and Social, 0.75% is charged when carrying out the procedure at an ATM or branch. For others, collection of excess fees occurs only at the branch. If you use an ATM, there is no additional charge. Social and Student cards do not imply the possibility of cashing out money in the currency of a state other than the Russian Federation.

If the client opened an account in a subsidiary abroad of the Russian Federation, namely in Ukraine, Kazakhstan or Belarus, a commission is charged in any case in the amount of 1%, but there are no restrictions on the transaction. If you use an ATM for the procedure, and not the cash desk at the branch, it will not be credited.

The cash withdrawal limit at Sberbank is similar when using the cash desk of a branch of another financial institution, but the commission parameters differ:

• Subsidiaries abroad: 0.75% for Maestro Momentum and Visa Electron.
• Subsidiaries abroad: no commission for other types.
• Other financial organizations and banks: 1%. Wherein minimum size, which the institution charges, is 150 rubles. (5 euros or dollars).
• Others financial institutions do not carry out operations on Social and Student products.

If you use ATMs of subsidiaries, the commission is calculated only on instant withdrawal products in the amount of 0.75%; for all others, the procedure is free. When using ATMs of other banks, a commission is charged to all clients. Its size is 1%, but at the same time there is a minimum level required for payment - 100 rubles (3 dollars or euros). Social and Maestro Momentum cards cannot be issued through ATMs of other banks.

Basic parameters of the monthly limit

Having decided what the daily withdrawal limit is at Sberbank, it is important to know that there are similar restrictions on the total transaction for the entire month. They are provided for all types of plastics issued by the issuer:

• Platinum Visa, MasterCard: 50 million rubles.
• Gold: 10 million
• Classic: 5 million
• Maestro Momentum, Visa Electron, Social, Student: 5 million.

Similar sizes are provided for foreign exchange products:

• Platinum Visa, MasterCard: 1.5 million dollars or 1 million euros.
• Gold: $400,000 or €300,000.
• Classic and others: $200,000 or €150,000.

Since there are differences in cash withdrawal per day for plastic cards issued in a subsidiary branch, there are also nuances regarding the monthly limit. For Maestro and Visa Electron, you cannot withdraw more than 7.5 thousand rubles if the opening was in branches of Ukraine, Belarus and Kazakhstan. The foreign currency account is limited to $250. For a payment instrument above the average level (Classic, Gold, Platinum), these parameters are larger:

• 50 thousand rubles to an account in national currency.
• 2 thousand dollars - for foreign exchange.

Limitations provided in the online service

Many clients connect the online banking service to conduct transactions remotely, without directly contacting branches. Therefore, it is important to clarify the following parameters: the maximum possible amount of payment, transfer and transfer to other accounts and plastics.

Today the online service has the following parameters:

1. Up to 100 thousand rubles: transfers to card accounts of other clients of this bank, organizations and individuals.
2. Up to 500 thousand rubles: for any types of transfers using templates, confirmed through the Contact Center and other services.
3. Up to 10 thousand rubles: payment mobile phone client and other persons, transfers by phone number to client card accounts of this institution, transfers to electronic systems(WebMoney, Yandex Money, Qiwi, Intellect Money, etc.).
4. Up to 1 million rubles: transfers from deposits to your social cards.
5. Up to 3 thousand rubles: for any procedures that are confirmed by passwords received through self-service devices (issued on a receipt at an ATM).

As already noted, there is a daily transfer limit in Sberbank Online, but in addition there are restrictions on the number of transactions. Such parameters are provided only for a few banking procedures.