Withdrawing funds from a VTB card 24. What is the commission for withdrawing cash from VTB24? Using other ATMs

Free card service

No monthly service fee for VTB Multicard is charged for purchases with all cards (credit, debit, main and all additional) in the Multicard banking services package for a total amount of more than 5 thousand rubles. per month.

If the condition is not met, the commission will be 249 rubles. per month.

The commission for issuing a VTB Multicard is not charged when applying on the bank's website.

When registering at a branch, a commission of 249 rubles is charged and returned to the master account in the form of cash back if the conditions for free service are met during the first month of using the Multicard.

Conditions are valid until 31.01.2020

How to earn income from interest on the balance

With VTB Multicard, you can earn income from accruing interest per annum on the balance of funds on the master account.

The interest rate depends on the amount of purchases per month for all cards (debit, credit, main and all additional) in the Multicard banking services package:

Master account is a bank (current) account of an individual, opened in three currencies: rubles, US dollars and euros, and provides for transactions not related to business activities. The master account is tied to a debit card account, which makes it possible to use the funds on the master account for everyday purchases, as well as to have round-the-clock access to funds through ATMs or bank branches.

Do without commission:

The commission for online payments and transfers is returned to the master account in the form of cash back within the next calendar month, subject to purchases with all (debit, credit, main and all additional cards) in the Multicard banking services package for a total amount of more than 75 thousand roubles. per month. The limit of free transfers from a card to a card of another bank is 20,000 rubles per month.

Online transfers and payments without commission

With VTB Multicard you can save on fees for online payments and transfers.

Pay for mobile communications, Internet and other services instantly and without commission in VTB Online.

Do without commission:

online transfers of own funds from a card to cards of other banks;
online transfers by details from the master account.

With VTB Multicard, you can withdraw your own cash from the card without commission at any ATMs, even at ATMs of other banks.

The commission for cash withdrawals from ATMs of other banks is returned to the master account in the form of cash back within the next calendar month, subject to purchases with all cards (debit, credit, main and all additional) in the Multicard banking services package for a total amount of more than 75 thousand rubles per month.

There is no limit on the amount of free cash withdrawals.

Using VTB 24 credit cards is pleasant and simple - you can afford to use funds right now, and worry about payment later. You can use money from a credit card in many ways, making purchases by bank transfer. However, if you needed to get money in your hands alive, you can’t get away from cash withdrawals. But the rules of the game in this case will be different. With a VTB 24 credit card, a commission for cash withdrawal is charged on a par with other products. Details are in the article.

You can withdraw cash from a VTB 24 credit card at any terminal or ATM, or at a branch owned by VTB. In addition, it is possible to use similar services of the Bank of Moscow or Post Bank. The percentage for cash withdrawal in these cases may vary.

Withdrawal at VTB 24 ATMs

VTB credit card 24 percent for cash withdrawals is pre-installed, regardless of the amount of withdrawal (if we are talking about cashing out within the limit). The billing details are as follows:

According to the Multicard tariff plan (this is the only credit plastic currently offered for registration at VTB), the percentage is set at 5.5% of the requested amount. At the same time, there is a lower withdrawal threshold - 300 rubles - less than which you cannot cash out. The same commission retention rules apply to holders of VTB 24 Classic, Gold and Platinum credit cards, which are archived and are no longer issued.
If the client is the owner of the VTB Classic Pocket Card, the tariff for him will be different. In this case, 1% is charged for cash withdrawal, and the threshold is 50 rubles. The Pocket Card is also no longer available for registration.

If a combination of circumstances forces you to withdraw money from the card at the VTB 24 cash point and the amount does not exceed 100 thousand, you will have to pay 1,000 rubles to the bank for servicing. However, there are caveats to avoid this:

If the only ATM is installed in the office, but it is out of order;
If there are more than two ATMs, but only one of them works;
If the reason for withdrawing cash is the closure of an account or the loss of a card;

Since the credit card can contain not only credit funds within the limit, but also the client's own deposited money, the cash withdrawal rates provide for this case. The VTB 24 credit card does not imply a commission for cash withdrawals from the debit balance (with the exception of withdrawals at a cash point, there are the same 1000 rubles).

Withdrawal in machines of other banks

The good news is that VTB 24 sets uniform fees for cash withdrawals, both in its own bank and in a third-party bank. However, this applies to credit funds on the card. For debit money, the withdrawal rate will be 1% of the amount.

In addition, it is important to understand that a third-party bank may require its own commission for providing the service. It is reasonable to clarify the percentage for the operation in advance so as not to get into an unpleasant situation.

The procedure for collecting interest on withdrawals

According to the tariffs and terms of use of VTB 24 credit cards, the commission for cash withdrawal is debited from the client's account as part of the withdrawn amount. That is, the debt to the bank will be the amount of the withdrawal plus the amount of the calculated commission. This is important to consider, since commission funds are also subject to interest on the loan (not considering the grace period).

To complete the picture: the total amount of debt should also not go beyond the credit limit, otherwise additional expenses cannot be avoided - funds in excess of the limit have an increased tariff and are accompanied by a fine. Therefore, the issue of commission for withdrawing cash from a VTB 24 credit card is more important than it seems at first glance.

Where to find the addresses of VTB 24 ATMs

Since the percentage for cash withdrawal is an important nuance of using a credit card, you need to carefully consider the method of cashing out. To save money, it is best to do this at VTB 24 ATMs. Find out the addresses of all terminals and find the nearest and most convenient ones on the bank's official website on the Internet - vtb24.ru.

By clicking on the button offices and ATMs in the upper right corner, the user will see an opened map with marked ATMs. In the line that appears, you can enter your location and the system itself will select the best option.

Conclusion

After reading the article by the holder of the VTB 24 credit card, the commission for cash withdrawal no longer frightens with an unknown size or withdrawal conditions. Knowing the intricacies of their own tariff, the client will be able to keep credit costs under control in any situation, which means that one more brick has appeared in his financial security.

Cash withdrawal without commission is a topical issue today for all debit card holders. This issue is especially acute if you are a client of a not very well-known bank. Although VTB 24 is one of the leaders in this industry, the organization's ATMs are not so common even in large cities (by comparison, Sberbank terminals can be found in almost every large store or shopping center in your city).

VTB debit card holders have two or three options: withdraw cash from any ATM with a fee, look only for official terminals, or use partner ATMs. In this article, you will learn where and how to withdraw money without a VTB 24 commission, as well as what commission awaits you when withdrawing cash through third-party terminals.

Partner banks

Almost every well-known bank has its partners. Agreements are concluded between organizations, according to which cardholders in one institution will be able to withdraw funds through ATMs of another institution without hindrance. Since VTB ATMs without commission are not found on every corner, customers must use the services of partners.

VTB 24 cash withdrawal fee is not charged in the following partner banks:

JSC "Leto Bank";
TransCreditBank;
JSC "Bank of Moscow";
JSC VTB Bank.

In the terminals of these organizations, you can safely withdraw money, since no commission will be charged. In the CIS countries, you will be able to use the services of the bank, as it is the main partner.

However, in Azerbaijan, Belarus and Kazakhstan, withdrawals are only available to Visa cardholders. Plastic cards of the MasterCard payment system are not included in the list. VTB 24 cash withdrawal through the machines of other banks is accompanied by an additional fee, the amount of which we will discuss later.

How to withdraw money from a non-partner ATM

Consider the conditions for issuing money and the commission charged:

Basically, the issuance of money is taxed in the amount 1% of withdrawn amount;
credit funds are subject to commission in the amount of 5.5%;
Raiffeisenbank, which charges 0.5% of withdrawn amount.

All the described conditions are suitable if you withdraw at least 300 rubles. It is worth noting that it will not be possible to withdraw money from a VTB credit card without a commission in any of the banks.

In addition, if you are a client of one of the partner banks, you can freely withdraw cash through their ATMs without additional fees. Withdrawing money through VTB 24 using a debit card of another financial institution is subject to 3% of the amount.

Through partner systems, banks improve the terms of service for their customers. With the advent of partners, users of VTB 24 debit cards can withdraw cash from their accounts literally at every step.

You can find the location of the nearest ATMs and terminals on the Internet or by calling the VTB 24 Bank hotline.

In this article we will talk about all the intricacies of withdrawing cash from a VTB24 card, since although most often credit cards are used only for cashless payments, however, situations may arise in life when you cannot do without “real money”. Let us consider in more detail what commission for withdrawing cash from a VTB ATM from a credit card is provided by the bank, as well as how to minimize its size.

Naturally, in addition to borrowed funds, you can also keep your own funds on the account. For example, it can be yours, which will be credited to the account every month. This simplifies the cashing out procedure, because there is no commission for withdrawing VTB 24's own cash. With loans, however, things are different.

Where and how it is better to get real money in your hands, and what percentage for cash withdrawals is set, it is better to find out in advance. It is worth taking care of this issue separately if you are going on a trip abroad: withdrawing money from an ATM of a foreign financial organization, you risk “getting” double the percentage.

As a rule, withdrawal fees are charged at all ATMs without exception, but the amount of this fee varies greatly. So, for example, some banks do not set fees if the holder cashes out in excess of a certain amount.

Others waive the collection of interest on credit card withdrawals for regular customers. Others, on the contrary, pre-set the rate for withdrawing funds. It is better to learn about all these subtleties in advance.

The main question that should be resolved before withdrawing money from the nearest ATM: what percentage will be deducted from the cardholder. VTB24 sets the amount of the fee depending on the type of credit card the client has and its status.

Commission for cash withdrawal from VTB24 cards

Let us tell you in more detail what limit and percentage for cash withdrawals are provided for each type of VTB24 bank client cards. And here you should be careful, because often, when “putting on plastic” a potential client, employees of a credit institution simply keep silent about the commission for withdrawing money from an ATM, and sometimes they simply mislead, assuring that there are no commissions for receiving cash.

In the article we will consider three main and, perhaps, the most common types of credit cards among customers. So, these include:

Classic credit card

For cashing out funds within the credit limit of the VTB24 card, a rate of 5.5% of the withdrawal amount is charged, starting from 300 rubles. If the card, in addition to borrowed funds, also has the holder's own funds, then the commission for withdrawing them from the issuer's ATM will be zero. In a foreign bank, when withdrawing an amount over 300 rubles, 1% will be deducted from the client.

The stipulated limit on cash withdrawals from this type of credit card is: 100 thousand rubles daily and 1 million rubles per month. It is important to take this into account when planning your spending.

VTB24 Gold Credit Card

The limit on this card is twice as high as in the previous version. The established percentage for withdrawing cash from a VTB 24 credit card in this case is 5.5% with an amount of at least 300 rubles. You can withdraw your own funds from a VTB24 ATM without any fees. When using the services of a third-party bank, the commission will also be 1% of any amount over 300 rubles.

You can withdraw no more than 200 thousand rubles per day and up to 2 million rubles per month from the VTB24 Gold Card.

Platinum credit card VTB24

The commission for withdrawing funds from the credit limit for a VTB 24 platinum card holder will be 5.5% of the withdrawn amount over 300 rubles. Receiving personal savings from a VTB 24 card is free, but third-party banks set a commission equal to 1% of the withdrawn amount of more than 300 rubles.

The limit of possible withdrawn funds is also set - 300 thousand rubles per day and 3 million rubles per month.

Don't forget to pay back your debt on time

After withdrawing funds, you need to carefully monitor the debt repayment schedule. Usually this "schedule" is set by the bank and updated after each credit transaction. It is also necessary to clarify what rate the bank will apply when calculating interest on debt if the client does not have time to return the funds before the grace period expires.

A credit card is an attractive banking product that can provide the holder with a lot of opportunities. However, it is important to remember that these opportunities imply debt obligations to the bank.

Having decided to open a credit card at VTB 24, consider all possible options for its use. Including, and how profitable it will be to withdraw cash from it. Be prepared for higher interest rates, which is best to inquire about in advance.

However, everything is not so bad here either: as pleasant bonuses, the same VTB can offer its reliable customers accrual of points, discounts from bank partners or Cash Back when paying for purchases. Including through the Internet.

Bonus points are awarded for every 20-50 rubles spent, but the number of these points will vary depending on the type of credit card. For especially active buyers, the amount of CashBack can reach up to 5 thousand rubles per month.

Agree, not so bad! Knowing the conditions for withdrawing cash from a credit card at VTB 24 ATMs and other banks, you will not find yourself in an awkward situation with unexpected interest charges.

Cashout methods

Through the operating cash desk, by providing the bank employee with his passport and card.
Through self-service devices - at VTB 24 ATMs, both the issuing bank and its partners.

How to find the nearest ATM?

The list of ATMs and their location addresses are presented on the VTB 24 website. To find the most suitable option, you will need to refine your search parameters. So, in addition to cashing out, it may be the need for the possibility of replenishing the card or round-the-clock operation.

Some devices are designed to issue money in rubles, dollars and euros - it all depends on the choice of the card holder. The cash limit on classic credit cards is usually set in rubles. The opening hours of ATMs are also indicated on the website. It can coincide with the operating hours of a bank branch or be around the clock.

After selecting the necessary options, the location of a suitable ATM will be displayed on a diagram, according to which an approximate route to it will be clear.

Recently, having become a client of the bank, I received a "surprise" in the form of debiting funds from my cards. Credit card (which I don’t use at all) - funds were written off for supposedly transfer insurance, moreover, the insurance amount is higher than the transfer amount, having studied the contract, I did not find a word in it about paying for transfer insurance. VTB imposes the mandatory use of this card - I consider these actions illegal and illegal.

A debit card with a master account (associated with a consumer loan) - an unreasonable write-off of an insurance premium is not prescribed in any contract, I consider these actions unlawful and illegal. They also re-deducted the payment for the FSSP, which had previously been held at the Savings Bank. Money from Sberbank to VTB (from card to card) came - attention - 4 days ... although the SMS about the receipt of money came in an hour, I received it in my account after 4 days.

Also, when applying for a consumer loan, a bank employee imposed a bunch of insurance services without saying a word about them, explaining them as life insurance, but I have a policy for residential property insurance, but what is the main question? If the policy does not even contain his address and other information on the property, in fact the policy is invalid because the object of insurance is not indicated.
I am extremely sorry that I contacted this bank, I wanted to transfer the salary project to this bank, now I definitely don’t, I will close all obligations, terminate all contracts and never go to this bank again, and I will not recommend it to anyone.