How to withdraw cash from a tinkoff credit card

Tinkoff Bank has gained popularity among credit card users - their requirements for holders are minimal, and the possibilities for using funds are large.

The conditions for withdrawing cash from a credit card often remain unexplored by the owners, so many holders find themselves in unpleasant situations - the bank charges the amount of a fine for not making the minimum payment. Usually the fine is 590 rubles.

Without a commission, you can transfer funds from the card, pay for goods in stores and carry out other non-cash transactions. As for withdrawing cash, there are some nuances here. As a rule, withdrawal from a credit card is possible at any ATM, but for the amount from 3 thousand rubles... What about Tinkoff Bank?

Possible options

The commission for withdrawing cash from a Tinkoff credit card is still charged in the above equivalent. But there are some tricky ways you can cash out without commission.

The first method is the simplest, but rather difficult to implement. The cardholder can agree with his acquaintances about “withdrawing money” in cash - they purchase goods using the Tinkoff card, and the owner gives the money to his hands. In this case, you will not have to pay a commission.

The second method is the ability to transfer money to another bank card by transferring from a mobile account. So, from a Tinkoff credit card, you need to transfer funds to a mobile account, and only then withdraw them to any debit card of a third-party bank. In this case, you will not have to pay a commission either.

Withdrawing cash from a Tinkoff bank credit card requires payment of a commission, which equates to 2,9% from the withdrawal amount and 290 rubles for service of the card

Conditions

What conditions does Tinkoff Bank put forward for cash withdrawals?

Fixed amounts and payments

Tinkoff Bank does not have its own ATMs, therefore, withdrawing cash from "strangers" in any case will entail a commission charge. Avoiding large financial waste is possible only with the constant fulfillment of the conditions - the absence of exceeding the daily and monthly limits.
Withdrawing cash from a credit card is carried out according to two principles - in the amount up to 3 thousand rubles and more... Withdrawal fee more than 3 thousand rubles will be paid by the owner of the ATM. If you have to shoot less than 3 thousand rubles, you will have to pay extra 2,9% of the amount and 290 rubles for the operation to the owner of the ATM.

Where to go

You can withdraw cash from a Tinkoff bank credit card at any third-party bank, but there are also conditions here. This mainly concerns the maximum amount of cash withdrawal. For example, in Rosbank, you can withdraw an amount in 30 thousand rubles... But in larger ones, this amount does not exceed and 7.5 thousand rubles – , .
You can also contact any third-party partner bank, which is indicated on the card itself. In such a partner commercial bank, you can withdraw funds in any amount not exceeding the maximum amounts (set by the bank itself), but only on the conditions set forth by the partner - the partner bank must benefit from the operation performed.

Subject to withdrawal of money abroad, the cardholder will pay commission fees

Tinkoff credit card cash withdrawal details

It is necessary to summarize the conditions for cashing out funds from a Tinkoff Bank credit card:

Commissions

Cash withdrawals through an ATM and with the help of partner banks have already been mentioned, including the possible interest for the operation. You should consider the possibility of transferring money through payment systems, what are their fees.
You can use the Webmoney system, where initially the credit card is tied to an electronic wallet and the transfer is carried out. It may take some time - up to several days, although the procedure is free (there will be no commission for withdrawal). The only exception is the commission fee of the system itself - 0,8% from the withdrawal amount.
A similar payment system can be used, but only in the case of a preliminary binding of the wallet to the card. Otherwise, the binding itself must be carried out independently. Data processing will also take some time, which will be inconvenient urgently.
You can also withdraw funds using Qiwi, where you will not have to pay a commission for the operation at all. An exception may be the minimum withdrawal amounts.

Nuances

Credit card holders should also consider the nuances of cash withdrawal. The most basic ones are the speed of withdrawal of money and limits. If necessary, study the conditions and possibilities of withdrawing amounts abroad that Tinkoff Bank provides.
So, if funds are needed soon, it is better to use ATMs and pay a commission. To save commission fees, you can use payment systems and a mobile account, but in this case, you should prepare for a long wait - it is possible that the transfer will be carried out within a few days.
For the use of credit money, Tinkoff Bank sets limits - up to 300 thousand rubles per month. That is, you can withdraw funds in different and convenient amounts for yourself, but they should be limited to the established limit per month. The number of operations is not limited. It should also be noted that you are only allowed to withdraw cash per month up to 100 thousand rubles per month.
You can also withdraw money from a Tinkoff Bank credit card abroad, but here it is better to use the bank's cash desks in order to avoid misunderstandings with the proceedings about the interest for the operation.
During the operation, you will have to pay a commission set by the bank to which the owner of the credit card applied. Here you should be more careful about your choice, since some commercial banks require inflated interest for the operation.
From the above it follows that you can withdraw funds from a Tinkoff Bank credit card. Depending on the method, you will need to pay a certain percentage for the operation. If you contact a partner bank, you will have to take into account the established limits.