Cash withdrawal limit at UniCredit Bank. Unicredit bank card with cashback

UniCredit Bank has made changes to the restrictions on cash withdrawals via credit cards. After reducing the limits in January 2015, they were increased again, and now the maximum limits in the amount of the main and additional credit cards range from 30% to 50% of the established credit limit per month:

• Autocard World MasterCard Black Edition®, S7 Priority - Visa Platinum(package of privileges “More Comfort”), S7 Priority - Visa Platinum (package of privileges “More Miles”) - no more than 50%.
• World MasterCard® Premium AutoCard, World MasterCard® AutoCard, World MasterCard®, World MasterCard® with membership Priority Pass TM, Gold MasterCard®, S7 Priority - Visa Gold, Visa Gold - no more than 40%.
• Official credit MasterCard® UEFA Champions League, MasterCard Standard®, MasterCard Unembossed, S7 Priority - Visa Green, Visa Classic, Visa Electron, Visa Classic Unembossed - no more than 30%.

Thus, the Bank's clients can more actively use credit cards with increased limits. You can find out more about the tariffs and terms of card service in a special section.

Latest Credit Card Offers

The journey gets closer with every purchase

This have not happened before

Buy at the Central Bank rate!

for purchases in US dollars and Euros with a ruble card

For example, the purchase amount was $300

Purchase at the Central Bank rate: 19,500 ₽		Write-off at bank rate: 20 100 ₽		Calculation according to the difference in rates

20,100 - 19,500 = 600 miles

We'll refund the difference in miles!

1 For ruble debit cards. We award miles.
2 For some transactions, miles are not credited, more details in the Promotion Rules.
Maximum 2 transfers without commission to total amount 10,000 rub. within a calendar month.

Cashback 1% for purchases

Rewards for purchases

Pay with a Visa Classic+/MasterCard Standard+ debit card and at the end of each month we will return 1% of the amount spent to your account 1 . Apply for additional cards for your family members and receive joint cashback for purchases with ruble cards!

Financial management

Mobile and Internet banking

Check your bills, pay utility bills, internet, mobile communications and other services without commission, leave requests for banking products via Internet bank Enter.UniCredit 2 and mobile app 3 .

In addition, special conditions apply to you Money transfers online:

• to accounts at UniCredit Bank - free of charge
• to accounts in other banks - with a commission of only 0.3% of the transfer amount (minimum 20 rubles, maximum 150 rubles)

Top up your UniCredit Bank card from cards of any Russian banks without commission through the Mobile.UniCredit mobile application.

Contactless payment

Pay quickly and securely on your smartphone with Apple Pay and Google Pay.

Costs under control

Thanks to the free SMS service 4, you will receive SMS messages whenever money is debited or received to your debit card account.

You can also obtain information on accounts, debit and credit cards, deposits and loans by phone and without the participation of a Bank employee by connecting to the system.

Cash withdrawal without commission

• at UniCredit Bank ATMs in Russia
• at ATMs of partner banks in Russia: Bank URALSIB, Moscow Credit Bank, Raiffeisenbank and BINBANK
• at ATMs of a number of UniCredit group banks in Europe
• at ATMs of any banks in Russia - 2 cash withdrawals per month

Additional cards

You can issue 1 additional Visa Classic+/MasterCard Standard+ debit card for your loved ones and relatives without any fees for issue or maintenance. The cards are linked to your main card account, so you can always control expenses on them.

Conditions for free use of the CLASSIC service package:

• When maintaining from 100 thousand rubles. on accounts and deposits with UniCredit Bank.
• When maintaining from 30 thousand rubles. on accounts and deposits plus monthly purchases 6 on the main card and additional cards Visa Classic+ / MasterCard Standard+ in rubles, not less than 10 thousand rubles. per month.
• With monthly purchases 6 from 30 thousand rubles.
• With a volume of cash receipts of 7 from 30 thousand rubles. per month

If balances or spending volumes decrease, the commission will be 150 rubles. per month.

.

3 Mobile application Mobile.UniCredit.

6 Purchases mean transactions made using a card to pay for goods, works and services and reflected on the account for the calendar month. The list of transactions that are not taken into account when calculating the amount of service fees is determined by the Bank independently based on data received from payment systems and coincides with transactions that are not taken into account when calculating cashback in accordance with.
7 Taken into account cash, received by transfers from other banks, including from a card of another bank to a card of UniCredit Bank JSC, as well as intra-bank transfers from accounts legal entities and individual entrepreneurs.

Conditions for free use of the EXTRA service package:

• When maintaining from 1.5 million rubles. on accounts and deposits with UniCredit Bank.
• When maintaining from 0.5 million rubles. on accounts and deposits plus purchases on the main and additional Visa Platinum+ cards in rubles in the amount of at least 50 thousand rubles. per month (purchases mean transactions reflected on the main debit card account in rubles for the calendar month).
• If the amount of funds received into the Visa Platinum+ card account in rubles is 3 from 150 thousand rubles. per month

If balances or spending volumes decrease, the commission will be 1,500 rubles. per month.

EXTRA - Special.

1 Refund. The bank pays remuneration monthly, during the month following the reporting month. Minimum size remuneration - 100 rubles, maximum - 4,000 rubles. The total reward for the main and additional ruble cards is calculated. The Bank has the right to independently determine the list of transactions performed using the Card, which are not taken into account when calculating the Reward. Types of transactions are determined based on data received from payment systems. Detailed conditions for paying rewards, including transactions for which cashback is not paid, are reflected in the Rules for servicing bank cards of JSC UniCredit Bank with the possibility of paying rewards for using the card.

2 Check out the daily and monthly limits in the “Tariffs” section.

3 Funds received by transfers from other banks are taken into account, including from a card of another bank to a card of JSC UniCredit Bank, as well as intra-bank transfers from the accounts of legal entities and individual entrepreneurs.

Cashback up to 10% for purchases

Cashback 1 for taxis, car sharing, gas stations, parking, toll roads and public transport is charged depending on the total amount of purchases on the card:

Additional up to 15% without restrictions from the Bank's partners(list of offers - in Mobile.UniCredit 2)

Cashback × 2 until December 31

Until December 31, all new clients receive double cashback V advanced categories(gas stations, parking lots, toll roads, taxis, car sharing and public transport).

Remote service

• Free transfers to cards of other banks via Mobile.UniCredit 3
• Free refill from cards of other banks through the application
• Cash withdrawal no commission at ATMs UniCredit group 4 and partner banks (URALSIB Bank, Moscow Credit Bank, Otkritie Bank, Raiffeisenbank)
• SMS service- 60 ₽ per month
• Contactless payment with Apple Pay and Google Pay

Check your accounts, pay for housing and communal services, internet, mobile communications without commission, submit applications for banking products and see the offers available to you with increased cashback from partners through and.

Driver package

For roadside assistance, call the hotline 8 800 250 73 00 .

Free for all holders:

• Technical and lawyer consulting 5

Free for purchases over RUB 10,000 in the previous month:

• Fuel delivery 6
• Evacuation of a car or motorcycle in case of an accident/breakdown 7
• Taxi payment in case of an accident and car evacuation 8
• Replacing damaged wheels 9
• Opening a car door 10
• Starting the engine 11

The card is provided free of charge for purchases over RUB 10,000 per month.

1 The bank pays remuneration monthly, during the month following the reporting month. Maximum size remuneration - 4,000 rubles. (1,000 rubles - for gas stations + parking + toll roads, 1,000 rubles - for taxis + carsharing + public transport, 2,000 rubles - for other purchases). If the total amount of purchases in other categories is less than RUB 5,000. behind the reporting month cashback for all purchases - 1%. When specifying ranges: “from” - does not include the lower boundary of the interval, “to” - includes the upper boundary of the interval. The Bank has the right to independently determine the list of transactions performed using the card, which are not taken into account when calculating remuneration. Types of transactions are determined based on data received from payment system. Detailed conditions for paying rewards, including transactions for which cashback is not paid, are reflected in the Rules for servicing bank cards of JSC UniCredit Bank with the possibility of paying rewards for using the card.

2 Mobile.UniCredit - mobile application Mobile.UniCredit.

3 Maximum 2 transfers without commission for a total amount of 10,000 rubles. within a calendar month.

4 For reasons beyond the control of the Bank, a fee may be charged for cash withdrawals at individual ATMs of the Group.

5 As part of the service, telephone consultations and in-person legal consultations are available in 80 offices throughout Russia on the following issues:
- operation of the vehicle, troubleshooting,
- acquisition, taxation, registration actions, operation, maintenance and repair Vehicle,
- alienation, exchange, pledge, donation and other civil transactions with vehicles,
- related to passing the state technical car inspection,
- on other issues of legal relations in the area road transport and operation of vehicles, including on issues of relations with law enforcement agencies and other organizations in the field of road transport and operation of vehicles.

6 The cost of fuel is paid by the client separately in cash using a receipt from the gas station.

7 The service is provided no more than once per accident, from the scene of the accident, if as a result of an accident registered in authorized bodies, or if a breakdown occurs, the car cannot start or continue moving.

8 For an amount up to 1000 rubles. The service is provided in case of immediate ordering of a taxi on the day of the accident from the scene of the accident or from the place where the car was towed by the Russian AutoMotoClub.

9 The client can only be provided with the services of removing damaged wheels and installing spare wheels, or transporting the car/wheels together with the client to the nearest tire repair shop (in this case, the cost of third-party tire fitting services is paid by the client). If it is impossible to dismantle the wheels due to the wheel locks installed on them or faulty wheel fastening elements, possible additional work is also paid for by the client.

10 Work on opening the engine compartment and luggage compartment is carried out for additional fee and if technically possible.

11 Carried out, including from at least one external source.

The driver package is provided by Russian AutoMotoClub LLC. www.ruamc.ru.

If the distance from the administrative border of the city where the “Driver Package” service operates (in Moscow - from the Moscow Ring Road) to the location of the car exceeds 100 kilometers, on-site services can be provided if technically possible, and the client pays for additional mileage separately.

The number of requests for services is not limited during the validity period of the card. One service is provided per request.

• MIR cards are accepted only in the MIR payment system service network
• Card currency: rubles
• As an additional card to the MIR card, only the MIR card can be issued
• MIR card does not support contactless technology payment
• Service fee - 500 rubles in year

Financial management

Mobile and Internet banking

Check your accounts, pay for housing and utilities, internet, mobile communications and other services without commission, submit applications for banking products through the Enter.UniCredit internet bank 1 and mobile application 2.

In addition, transfer money between cards of the MIR payment system, Visa and Mastercard of any Russian banks by card number possible through ATMs and terminals of UniCredit Bank:

• if the sender's and recipient's cards are issued at UniCredit Bank, no commission is charged
• from a UniCredit Bank card to another card Russian bank- 1.5% of the transfer amount (min. 50 rubles)
• from a card of another Russian bank to a UniCredit Bank card - 1.25% of the transfer amount (min. 50 rubles)

For transfers from MIR UniCredit Bank cards by details card account through the Internet bank Enter.UniCredit, the commission is charged in accordance with the Bank’s tariffs.

Costs under control

Cash withdrawal

• at UniCredit Bank ATMs in Russia - no commission
• at ATMs and cash points of third-party banks - 1% of the transaction amount (minimum 300 rubles 4)

1 Internet bank Enter.UniCredit.

2 Mobile application Mobile.UniCredit.

3 SMS notification service SMS.UniCredit.

4 Po salary cards the amount of the commission is regulated by the terms of contracts with employing companies

Cashback up to 3% for purchases

Rewards for purchases

Pay with Visa Gold+ debit card / Mastercard Gold+ and based on the results of each month we will return up to 3% to your account from the amount spent 1. Apply for free additional cards for your family members and receive joint cashback for purchases with ruble cards!

Cashback is accrued depending on the amount of purchases on the card:

For example, in April you spent 110,000 rubles.

In May you will be paid:

50,000 RUR × 1% + 50,000 RUR × 2% + 10,000 RUR × 3% = 1,800 RUR.

• Cash payments in case of accident
• Rendering medical care and assistance in the event of an accident
• Reimbursement for expenses related to lost or delayed luggage, trip cancellation, delay or interruption

You can also always use special conditions on insurance programs from our partners. Details - by phone 8 800 700 10 20.

Conditions for free use of the GOLD service package:

• When maintaining from 400 thousand rubles. on accounts and deposits with UniCredit Bank.
• When maintaining from 100 thousand rubles. on accounts and deposits plus monthly purchases 7 on the main and additional Visa Gold+ / Mastercard Gold+ cards in rubles of at least 20 thousand rubles.
• For monthly purchases 7 from 50 thousand rubles.
• If the amount of funds received into the Visa Gold+ / Mastercard Gold+ card account in rubles is from 75 thousand rubles. per month

If balances or spending volumes decrease, the commission will be 500 rubles. per month.

1 Refund. The bank pays remuneration monthly, during the month following the reporting month. The minimum remuneration is 30 rubles, the maximum is 3,000 rubles. The total reward for the main and additional ruble cards is calculated. The Bank has the right to independently determine the list of transactions performed using the Card, which are not taken into account when calculating the Reward. Types of transactions are determined based on data received from payment systems. Detailed conditions for paying rewards, including transactions for which cashback is not paid, are reflected in the Rules for servicing bank cards of JSC UniCredit Bank with the possibility of paying rewards for using the card.
2 Internet bank Enter.UniCredit.
3 Mobile application Mobile.UniCredit.
4 SMS notification service SMS.UniCredit.
5 System remote maintenance by phone Fawn.UniCredit.
6 The service is provided by SAO ERGO, insurance licenses SL No. 0177, SI No. 0177, PS No. 0177 dated November 27, 2015. www.ergo.ru.
7 Purchases mean transactions made using a card to pay for goods, works and services and reflected on the account for the calendar month. The list of transactions that are not taken into account when calculating the amount of service fees is determined by the Bank independently based on data received from payment systems and coincides with transactions that are not taken into account when calculating cashback in accordance with the Rules for servicing bank cards of JSC UniCredit Bank with the possibility of paying remuneration for using the card.
8 Funds received by transfers from other banks are taken into account, including from a card of another bank to a card of JSC UniCredit Bank, as well as intra-bank transfers from the accounts of legal entities and individual entrepreneurs.

Starting from 08/01/2016, insurance is provided only upon activation of the card and the cardholder receives an insurance certificate at a Bank branch. The insurance certificate is valid for up to 1 year. To renew your insurance and receive a certificate for new term, you must contact any branch of the Bank in advance (before the end of the current insurance period). The insurance service is not provided for additional cards. The insurance service is provided for cardholders under the age of 70 (when the insured person reaches the age of 66, the insurance coverage limits are reduced).

If you want to get a bank card with a package of services that opens up wide opportunities - the debit card of UniCredit Bank is worthy of attention. The review introduces the terms of use of 5 products, helping you choose the most profitable one.

All cards of payment systems MasterCard World wide and Visa Int. from UniCredit Bank have common advantages:

• free SMS information and connection to Phone.UniCredit - a telephone information system without the participation of bank specialists;
• free cash withdrawal abroad from ATMs of financial institutions of the UniCredit group;
• no penalties for unauthorized overdraft;
• PayPass/payWave contactless payment technologies.

“Classic” service package

The “Classic” service package includes:

• MasterCardStandard or Visa Classic card;
• cashback in the amount of 1% of the cost of any purchases, except for the exceptions listed on the website of the issuing bank. The minimum amount is 30 rubles per month, the maximum is 3,000 (hereinafter by default - rubles);
• free replenishment of the card account via the Internet bank or mobile application in the amount of up to 75 thousand per transaction, up to 300 thousand per month;
• two free cash withdrawal operations from any ATMs in Russia;
• one free additional card in the name of the holder or his relative (optional);
• participation in the MasterCard Priceless Cities / Visa Bonus discount program.

The limit on cash withdrawals from classic debit accounts is 200 thousand rubles. / $5 thousand / €5 thousand per day, 500 thousand rubles. / $20 thousand / €15 thousand / month

Commission for withdrawing cash from UniCredit Bank debit cards at the issuer's cash desks is 0.5%, no less than 300 rubles, at ATMs and cash desks of third-party financial organizations - 1%, min 300.

Commission for Card2Card transfers to other banks - 1.5%, min 50, for interbank ruble transfers using details from the main card - 0.3%, min 20, max 150.

Maintenance of the “Classic” package is free under one of the following conditions:

• average monthly balances on all accounts and deposits of the holder are at least 100 thousand;
• average monthly balances min 30 thousand plus the amount of purchases on the card from 10 thousand / month;
• purchase amount from 30 thousand/month.

If they are not fulfilled, 150 rubles will be charged. / month

Advantages of the “Classic” package:

• cheapest service;
• the most loyal terms of free service.

• lowest cashback;
• the smallest number of free additional cards;
• no free cash withdrawals from any ATM without restrictions;
• compared to “Gold” and “Extra” - lack of privileges for holders of gold and platinum plastic;
• Compared to the “No Borders” and “Drive” packages, there is a lack of appropriate options for travelers and car enthusiasts.

“Gold” service package

With the “Gold” package the client receives:

• gold card Visa or MasterCard;
• cashback up to 3% on any purchases - 1% on the first 50 thousand spent per month, 2% on the amount from 50 to 100 thousand, 3% on the amount exceeding 100 thousand. For example, with an amount of expenses of 130,000: 50 thousand. x 1% + 50 thousand x 2% + 30 thousand x 3% = 2,400;
• free withdrawal of cash rubles from any ATMs in the Russian Federation;
• 4 free additional debit cards UniCredit Gold category;
• participation in MasterCard program Priceless cities / Visa Premium;
• insurance when traveling abroad.

Minimum and maximum amount cashback, conditions for replenishing a card account through the Internet bank and mobile application, transfers to other banks are the same as for a classic card.

Limits on cash withdrawals from gold cards - 250 thousand rubles. / $7.5 thousand / €7.5 thousand per day, 1.5 million rubles. / $50 thousand / €50 thousand / month

Commission for cash withdrawals in foreign currency - 1%, min 300.

The “Gold” package is free under one of the following conditions:

• average monthly balances on deposits and accounts of at least 400 thousand;
• average monthly balances min 100 thousand plus the amount of purchases on the card from 20 thousand / month;
• purchase amount from 50 thousand / month.

In other cases - 500 / month.

Package advantages:

• in comparison with “Classic” and “Drive” - free cash withdrawal in rubles in the Russian Federation without restrictions, higher cashback and cash withdrawal limits, more “extras” and privileges;
• compared to “Extra” - cheaper maintenance / better conditions free.

• compared to “Classic” - more expensive service / more complicated free conditions;
• compared to “Extra” - lower cashback, fewer privileges and additional features.

“Extra” service package

In the “Extra” package the client is provided with:

• Visa Platinum;
• cashback on everything up to 5%, calculated similarly to the “Gold” package. Minimum size - 100, maximum - 4,000 / month;
• free ruble interbank transfers (for the main card holder);
• 2 free foreign currency cash withdrawals per month;
• 5 free additional platinum cards;
• participation in Priority Pass - access to business lounges at airports around the world;
• preferential rate for remote currency exchange (in Internet banking and mobile application);
• 20% discount on renting a safe deposit box;
• dedicated telephone support line for VIP clients.

Just as with the gold package, the holder has access to free withdrawal of ruble cash from any ATMs, participation in the program Visa privileges Premium and insurance when traveling abroad.

Commissions for cash withdrawals at the issuer's cash desks, cash withdrawals of foreign currency starting from the third transaction per month and Card2Card transfers to other banks are the same as for cards of lower categories.

Cash withdrawal limits are the same as for Gold cards.

The service is free provided:

• average monthly balances on accounts and deposits of at least 1.5 million;
• or average monthly balances of at least 500 thousand and purchase amounts from 50 thousand / month.

If both conditions are not met, 1.5 thousand are withheld.

Package advantages:

• most high cashback if the amount of expenses exceeds 100,000/month;
• free interbank;
• the greatest number of privileges and opportunities;
• many others compared to "Classic" and "Drive".

• most expensive service;
• the most difficult conditions for free service;
• Compared to the “No Borders” package, the conditions for withdrawing cash foreign currency are worse.

Package of services “Without Borders”

In the “Without Borders” package, the client is issued a UniCredit debit Visa card Air, participating in the travel rewards program.

Its holder has access to:

• mile bonus program with miles accrued not only for purchases, but also as interest on the balance;
• free cash withdrawals from any ATM in the world;
• 4 free extras;
• support abroad in emergency situations from GCAS;
• legal and medical support when traveling.

Visa Air also provides insurance when traveling abroad and participation in the Visa Premium program.

The cost of maintaining the package is 500/month.

• better conditions for cash withdrawal;
• bonus program and other options for travelers;
• privileges from Visa Int.

• more expensive maintenance compared to “Classic” and “Drive”;
• fewer privileges compared to “Extra”.

Drive service package

The “Drive” package includes a MasterCard World Autocard participating in the “Priceless Cities” program. You can order 2 free “extras” for it.

"Drive" gives the UniCredit client the right to free help on the road from the Russian AutoMotoClub by calling hotline 8(800)...

An increased cashback of 3% is awarded for purchases at gas stations, and 1% for other expenses.

The conditions for cash withdrawal, replenishment through the issuer’s remote services, etc. are similar to the “Classic” package.

Maintenance cost - 300/month.

The advantages of “Drive” are the specified options for motorists.

• lack of conditionally free service;
• higher cost compared to “Classic”;
• lack of cash withdrawal conditions, privileges and additional features available with the “Gold”, “Extra”, “No Borders” packages.

Conclusion

The best UniCredit debit products according to individual criteria:

• cost - “Classic”;
• cashback - “Extra”;
• cash withdrawal - “No borders”;
• interbank transfers - “Extra”.

The “Extra” service package opens up the widest possibilities.

“Without Borders” and “Drive” are interesting target audience- respectively for travelers and motorists.

Cooperation between banks is a natural process of expanding the ATM network by combining it into a single corporate system. From such a union, not only the banks themselves benefit, but also their clients, who get the opportunity to cash out plastic cards at preferential rates - no commission. If you are a UniCredit Bank card holder, you probably wondered where, in addition to the “native” ATMs, you can quickly withdraw money? Let's figure it out.

Unicredit bank and its partners

Having started its activities in 1989, Unicredit Bank focused its efforts on investment and credit areas. Behind short term The bank managed to enter the top 15 banks with the maximum share of assets.

Unicredit Bank cooperates with the 19th European countries, and the total number of clients has exceeded the 2 million mark. There are 102 branches and a network of ATMs in Russia where you can withdraw money without commission.

UniCredit Bank's partner network has extended to the following financial institutions in our country:

• Raiffeisenbank
• PJSC "UralSib"
• Moscow Credit Bank (MCB).

In practice, this looks like universal ATMs for all clients of the branch network. Conditionally, if the holder payment card Unicredit will want to withdraw money from the card, but will not find the terminal of its “native” bank nearby; it can use the MKB ATM on the same preferential terms, which UniCredit Bank gives him.

Banking benefits from cooperation are seen in the increase in ATMs and making profit by servicing clients of their partners. This is especially true for those people who use a credit card as “plastic” for storage and constantly withdraw cash from ATMs.

Cashing out UniCredit Bank cards without commission

Before you withdraw funds, you need to make sure that you are ready for possible commission from the bank. Like other institutions, Unicredit Bank charges a mandatory commission for cashing out credit cards. The rest of the features look like this:

1. Withdrawing money through UniCredit Bank ATMs is completely free. If you use cash points (CAP), you will have to pay a commission of 0.5% (but not less than 300 rubles) for one operation.
2. When withdrawing funds from a debit card from third-party banks, the client will face a minimum commission - 1% of the withdrawal amount, but not less than 300 rubles. Similar prices apply to third-party cash issuance points (for example, Alfa Bank, Gazprombank, VTB-24 or PJSC AK BARS).
3. Moscow Credit Bank - will allow you to withdraw no more than 25 thousand rubles from ATMs per transaction.
4. Uralsib Bank - registered in tariff plans limit of 6 thousand rubles.
5. Raiffeisenbank offers the most profitable terms, through which you can withdraw up to 150 thousand rubles at a time.
6. At UniCredit Bank ATMs, the one-time limit is 50 thousand rubles. You can withdraw no more than 250 thousand rubles from the card per day. The monthly norm is limited to 1.5 million rubles.
7. A transfer to the account of another bank will cost a commission of 1% or an amount from 50 to 2000 rubles, depending on the nature of the transaction and the current tariff of UniCredit Bank.

Exceeding the daily limit usually results in the bank charging a fee on the excess amount at the usual rate. In other words, the percentage will not differ from the markups of third-party ATMs and will be 1% or 300 rubles per transaction. Therefore, you should carefully monitor your card balance and take into account that Unicredit Bank has daily and monthly limits.

UniCredit is a bank that provides its clients with the opportunity to withdraw funds without interest. Whereas cashing out through third-party terminals financial institutions fraught with exorbitant commission fees. As an alternative, you can withdraw money without commission from partner banks of UniCredit Bank. But preferential affiliate program does not apply to credit cards.

The banks of this network accepted their first client back in 1989, and since then the brand has spread far beyond Russia, allowing clients to withdraw money from their accounts in more than 19 countries around the world. But in addition to its personal extensive system of ATMs and branches, UniCredit is a partner of other financial institutions, which allows users to withdraw funds on preferential terms.

From such cooperation, the bank gets the opportunity to save personal savings that would have been spent on installing new terminals and ATMs. This is also an opportunity to receive a mediocre income for the fact that citizens use cards through other withdrawal points. And, naturally, in the absence of problems with the withdrawal of funds, customer confidence in the institution increases. And, as statistics show, the number of card users from UniCredit has already exceeded 2 million people.

The institution's partners include:

• Raiffeisenbank;
• Credit Bank of Moscow;
• UralSib.

Unfortunately, B&N Bank is not a UniCredit partner, so there is no way to withdraw funds from a B&N Bank card. You will have to pay two commissions. The first will be credited to the balance of B&N Bank, and the second will be sent to the UniCredit account.

You can withdraw money from an ATM from your personal card, both at your own branches and at partner withdrawal points. And the following rules apply to such operations:

• There is no fee for withdrawing money from payment cards;
• Interest must be charged for cashing out money from credit cards;
• installed minimum amounts output;
• there are maximum cash withdrawal volumes;
• withdrawal of funds is possible in almost two dozen countries around the world (including Ukraine).

In addition to financial withdrawals, other financial operations. In particular, clients have the opportunity to transfer savings to bank accounts other institutions. You will be able to accept money from other subscribers of the system. In addition, using stationary terminals you can deposit cash into accounts.

Important! UniCredit Bank does not provide its clients with the opportunity to withdraw money without using a personal card either at their home locations or at partner terminals.

The procedure for writing off money depends on which ATMs or terminals of which institutions will be used. You must have the plastic carrier itself, as well as know the secret password to access the card. After the media is accepted by the ATM, you need to confirm the entry by entering a password. Then, following the instructions on the screen, you need to go to the “Withdrawal” tab and indicate the amount, as well as the currency, that you want to debit from your balance.

You can also preview the balance on the card, and after the transaction you can print a payment receipt. Although you need to remember that receipts are also not free, and its cost depends on the conditions of the partner in whose terminal the money is cashed out.

Like others financial organizations, this bank sets its own limits and restrictions on cash withdrawals. And such restrictions apply, regardless of how and where savings are withdrawn. In addition, you need to remember that you can receive cash without a commission only within the established limit. The entire amount that will be above, in mandatory implies a write-off of interest.

So, UralSib Bank offers a maximum withdrawal amount of 6 thousand rubles. Moscow Credit Bank offers to cash out 25,000 rubles without additional costs. And Raiffeisenbank set the smallest limit amount, allowing interest-free withdrawal of 150 thousand rubles.

It must be remembered that if the specified restrictions are exceeded by the partner, 1% of the transaction performed will be written off, but not less than 300 rubles.

UniCredit itself also limits the maximum amount of financial write-offs. At local ATMs, you can only transfer 50,000 rubles into cash at a time. And when using the services of partner organizations, the amount of cash increases to 150,000 rubles. at a time. Whereas you won’t be able to withdraw more than 200 thousand rubles in cash per day.

In general, the partnership conditions of this group of banks are loyal. Considering that the bulk of plastic media used are credit cards.