Sberbank cash withdrawal limit via ATM. What is the limit for withdrawing cash from a Sberbank card. Limits on cash withdrawals from Sberbank cards

In December 2015 the following conditions:
Debit cards
Maestro / Visa Electron
TP-200 Debit Maestro cards“Momentum” / Visa Electron “Momentum”1,2
Card account currency: Rubles / Dollars. US/Euro
1. Card service3:
1.1. for the first year
1.1.1. main card no commission
1.1.2. each additional card not issued
1.2. for each subsequent year
1.2.1. main card no commission
1.2.2. Each additional card is not issued
2. Card reissue4:
2.1. another reissue of the card without commission
2.2. early card reissue without commission
2.2.1. in case of loss of the card, loss of the PIN code, change of personal data of the cardholder5, the operation is not carried out
3. Acceptance of funds for crediting to the card account:
3.1. card holder in a structural unit through OKR or US7:
3.1.1. at the local bank where the card account is opened without commission
3.1.2. in another regional bank without commission
3.2. by a third party in a structural unit through R&D:
3.2.1. at the local bank where the card account is opened without commission
3.2.2. in another regional bank 1.25% of the amount, min. 30 rub., max. 1,000 rub.
4.1. Through the cashier:
4.1.1. regional bank where the card account is opened
4.1.1.1. within the daily8 limit through the Bank's cash desks without commission
4.1.1.2. over the daily8 limit through the Bank's cash desks 0.5% of the amount exceeding the limit
4.1.2. another regional bank
4.1.2.1. within the daily8 limit through the Bank's cash desks 0.75% of the amount
4.1.2.2. over the daily8 limit through the Bank's cash desks 0.75% of the amount
4.1.3. subsidiary bank9 operation is not carried out
4.1.4. another credit institution10 operation is not carried out
4.2. Via ATMs:
4.2.1. territorial bank where the card account is opened without commission
4.2.2. another regional bank 0.75% of the amount
4.2.3. subsidiary bank9 operation is not carried out
4.2.4. another credit institution10 operation is not carried out
5. Card servicing at trade and/or service enterprises11 without commission
6. Cash withdrawal limit on card account12:
6.1. The monthly limit through the Bank's cash desks and ATMs is RUB 100,000. / USD 3,000 / EUR 2,500
6.2. Daily8 limit
6.2.1. at the Bank's cash desks13 RUB 50,000. or equivalent in foreign currency
6.2.2. at the cash desks of subsidiary banks/others credit institutions the operation is not carried out
6.2.3. at Bank ATMs RUB 50,000. / USD 1,600 / EUR 1,200
6.2.4. Operations are not carried out at ATMs of subsidiary banks/other credit institutions
6.3. Daily8 limit on withdrawal of funds without using a card through the cash desks of territorial banks other than the place where the account is maintained14 RUB 50,000. / USD 1,600 / EUR 1,200
7. Limit on transactions for accepting cash for crediting to a card account through OKR per day15 RUB 10,000,000. or equivalent in foreign currency
8. Limit on transactions for payment for goods and services per day: 8,100,000 rubles. / USD 3,500 / EUR 2,500
9. Suspension of the card in case of its loss by the Holder without commission
10. Providing information about the available spending limit on a bank card using ATMs of other credit institutions is not provided
11. Receiving a statement through an ATM of Sberbank of Russia (10 last transactions on a bank card) 15 rubles. per request
12. Fee for providing a report on the card account16
12.1. By e-mail no commission
12.2. by mail RUB 17,150 in year
12.3. on paper in internal structural divisions Bank18 no commission
13. Emergency cash withdrawal19 operation is not performed
14. Unauthorized overdraft fee 40% per annum

Almost every resident of our country has a Sberbank of Russia bank card. Holders know what it is intended for and enjoy using it. However, not everyone is aware of the restrictions on cash withdrawals.

Sberbank has about forty types of plastic cards. Moreover, the institution’s policy is structured in such a way that each product has its own cash withdrawal limit per day. As practice shows, ownership detailed information information about existing restrictions will allow clients to avoid unpleasant situations.

In this article we will tell you: what is a withdrawal limit? Why is it needed, and what restrictions on withdrawing cash through an ATM are there today?

Any plastic card, regardless of which payment system it belongs to, has certain restrictions, including limits on cash withdrawals per day.

Cash withdrawal limit plastic card is a predetermined threshold within which the holder can withdraw money. Such restrictions can be set either for a day or for a month. Each bank can change them at its own discretion.

The maximum amount for withdrawal is set by the bank independently and exists for the purpose of:

1. Increasing the volume of transactions carried out non-cash;
2. In the interests of safety. If, for example, a card for some reason falls into the hands of fraudsters, they will not be able to withdraw from it an amount greater than the established threshold.

If, when withdrawing money, the client exceeds the designated limits, then in most cases he will have to pay an additional commission. The amount of such payment is usually specified in the terms of the signed agreement.

It is worth noting that there are many restrictions on card products. Naturally, the holder may simply not know about most of them. And often get to know them, already at the moment of an unforeseen situation.

Important! Before choosing a card, you should carefully study the item about the available limits, and if necessary, set maximum amount questions to a bank employee. Possession of such information will help the holder to avoid unpleasant moments and wisely plan financial expenses.

What are the limits of Sberbank cards for withdrawing cash through an ATM?

It should be noted that almost every type of transaction performed using a plastic card has a certain limitation. For example, transferring from card to card, withdrawing cash through a cash register, working with an account online, etc.

One of the services that almost every holder uses is cash withdrawal through an ATM. Therefore, it will be useful for clients actual information about such threshold values.

Read also:

How can an entrepreneur manage a cash register correctly in 2019 and not receive a fine?

The table shows the limits for cash withdrawal from Sberbank cards via ATM:

The limit on cash withdrawals by Sberbank is set depending on the type and class of the card. The amounts also depend on the timing (daily, monthly limit), location (the maximum withdrawal amount at an ATM/cashier differs at Sberbank) and, sometimes, the number of transactions.

All these figures change periodically - banks are increasingly trying to teach us to use non-cash payments. For example, in May 2015, monthly limits on gold, platinum and black cards were reduced by 3 times, and the changes also affected the most simple cards Momentum. But first things first.

The cash withdrawal limit at Sberbank through an ATM in 2018 for a one-time transaction is tied not only to the amount, but also to the number of bills. It amounts to 40 bills.

Accordingly, if all denominations are loaded in the machine, then the maximum is 200,000 rubles in 5000 denomination notes. Now we will tell you what cash withdrawal limit from a Sberbank card is set for each type of card issued.

Withdrawing cash from a Sberbank debit card

Sberbank Momentum Card - withdrawal limit:

• 100,000 rubles per month through an ATM or Sberbank cash desk;

Mastercard Maestro and Visa Electron of Sberbank - withdrawal limit:

• 500,000 rubles per month through an ATM or Sberbank cash desk;
• 50,000 rubles per day through a cash register or ATM.

Visa Classic and Master Card Standard – limit:

• 1,500,000 rubles per month through an ATM or Sberbank cash desk;
• 150,000 rubles per day through a cash register or ATM.

Gold cards - limits:

• 3,000,000 rubles per month through an ATM or Sberbank cash desk;
• 300,000 rubles per day through a cash register or ATM.

Platinum cards – limits:

• 5,000,000 rubles per month through an ATM or Sberbank cash desk;
• 500,000 rubles per day through a cash register or ATM.

The limit on transactions on a Sberbank card is limited to 100 transactions.

How to withdraw a large amount from a Sberbank card?

Before withdrawing a large amount from a Sberbank card, you can open a regular savings account (at a bank branch or in your Internet bank) and make a free intra-bank transfer. There are no restrictions on withdrawals from this account.

Limits at the cash register

In branches you can withdraw much larger amounts, but there are still limits. The main difference is that the restrictions here are set on the amount of funds that can be received in hand within a month, and not per day.

• Visa Platinum, Platinum Master Card. The allowed amount is a record high - 50,000,000 rubles (1,500,000 USD, 1,000,000 EURO) per month;
• Visa Gold, Gold Master Card. Having such a card, you can receive up to 10,000,000 rubles (400,000 USD, 300,000 EURO) monthly at the Sberbank cash desk;
• other Sberbank cards allow you to withdraw cash only 5,000,000 rubles (200,000 USD, 150,000 EURO) in one month.

As a rule, for a one-time withdrawal large sum from the account, it is necessary to notify bank employees in advance about the intended operation. In addition, you should remember about the amount of free daily dispensed (usually it corresponds to the ATM dispensing limit) - tariffs for excess are 0.5 percent of the difference.

Cash desks of third-party financial organizations

There are no limits for withdrawing funds from the cash desks of other credit and financial companies, so you can get any amount there, established by the rules specific organization. Withdrawing cash in this way is not very profitable - the interest charged is much higher than in Sberbank branches.

ATM limits

The restrictions on the maximum amount are the same for ATMs serviced by Sberbank and those belonging to other banks - but here there is a difference in the additional commission: 1 percent of the amount, but not less than 100 rubles (3 US dollars or 3 Euros).

Cash withdrawal limit on the card account at ATMs, branches of Sberbank of Russia and their internal structural divisions:

Https:="">map. This applies not only to credit, but also to debit. There is a limit on cash withdrawals per month, a daily limit - all this is specified in the service tariffs. Let's consider what restrictions Sberbank sets.

Withdrawal limit on Sberbank Visa and on its other cards. How much holders can cash out per day and per month. Which card to choose if you need to shoot a lot, and what to do if you need to get more than the established limit. Why do banks set any limits at all? A specialist will answer all these questions.

Why do you need a withdrawal limit on a Sberbank card?

IN to a greater extent this is due to security measures for the clients themselves. If there is a person at the cash register who will verify the identity and give money to exactly the client in whose name the account is opened, then with ATMs everything is different. Identity confirmation is not carried out, which is why Sberbank sets limits on cash withdrawals.

It is assumed that if a fraudster suddenly takes possession of the card, he will not be able to withdraw a huge amount from it at once. For example, if a person keeps 1 million in an account, it will be a serious loss. And if Sberbank sets the maximum withdrawal amount at 150,000, the losses will be less significant.

But there are other reasons that are interesting to the banks themselves:

• banks are more interested in non-cash transactions because they earn extra money from them;
• reduction in the number of collections. ATMs have restrictions on storing banknotes. If a person withdraws too much, additional collection will have to be organized in order to replenish the device. And this - additional expenses, customer dissatisfaction. Considering that a huge number of people use ATMs, Sberbank’s withdrawal limit is justified only for this reason.

But in general, the limit on cash withdrawals at Sberbank is decent. For those who often plan to use such operations on a large amount, privileged cards are offered, you can really withdraw a lot with them. But even for classic versions of payment instruments, the restrictions are quite normal, there are no cardinal prohibitions. If you use the map in a standard way, you may never think about the established limits at all.

Cash withdrawal limit from Sberbank card

Sber issues several types of debit cards, and each has individual tariffs. Sberbank always specifies restrictions on cash withdrawals in the tariff schedule; information can also be obtained on its official website.

What is the limit of the Sberbank card:

1. Classic. The simplest debit cards with regular tariffs. These are the ones that most Russians use; they are almost always issued in the form of salary payments. Daily limit Sberbank set the amount for cash withdrawals at 150,000 rubles, monthly without charging a commission - 1.5 million;



Debit card Classic Sberbank

2. Line of gold cards. They are chosen by citizens who want to expand the restriction on withdrawing money from a Sberbank card. Here they rise to 300,000 and 3,000,000 rubles, respectively;



Golden debit card Sberbank

3. Youth. The special product, which is issued to Russians aged 14-25 years, offers the lowest service fee - only 150 rubles per year. Sberbank set the limit for cash withdrawal, as in the classic way, - 150,000 and 1,500,000 rubles;



Debit card Molodezhnaya Sberbank

4. Pension. Means of payment, created specifically for receiving pensions and various social payments. If you are interested in the situation specifically, then Sberbank has set the smallest limit on cash withdrawals. This is 50,000 per day and 500,000 per month;
5. With big bonuses. This Sberbank Visa has the largest cash withdrawal limit. This is a premium card with advanced capabilities, so the holder can withdraw up to 500,000 per day and up to 5,000,000 per month through an ATM without commission;



Card with big bonuses Sberbank

6. Instant. That is, you can get plastic immediately when you go to the office with your passport. Such products are subject to more stringent restrictions. Sberbank has set the cash withdrawal limit at an ATM at 50,000 per day and up to 100,000 per month without commission.

The monthly limit of a Sberbank bank card is an amount that will not be subject to commission. You can withdraw more, but a commission will be charged on top according to the service tariff.

If you need to withdraw more

The daily cash withdrawal limit on Visa Classic or any other card may at one point no longer suit you. Let's say there is a need for an expensive purchase, like a car or an apartment, and the seller needs to get cash. Then you have to remove them from the card, and this is where you may encounter restrictions. Sometimes people even find out about them at such moments.

If we consider the cash withdrawal limit of Sberbank using Visa Classic, which are mass cards, then you can withdraw a maximum of 150,000 rubles per day. It is clear that this money is not enough to complete a major transaction. But it's still your personal money, so you can still get it.

To bypass the cash withdrawal restriction at Sberbank, you just need to contact any service branch of this organization. If you receive cash through a cash register, there are no restrictions, although you have the right to withdraw tens of millions. But keep in mind that if you exceed the monthly cashout limit, a commission will be charged. But it is low - only 0.5% of the amount. That is, if the limit is 1.5 million, then you withdraw this amount for free, and the rest is charged 0.5%.

If you need to remove a lot, call first hotline Sber. A pre-order may be required and money may need to be prepared for collection.

Sberbank cash withdrawal limit on credit cards

You can also withdraw cash from credit cards, although this transaction is subject to a large fee. For the fact of completing the transaction, the bank will take 3% of the amount, but a minimum of 390 rubles. If you use third-party devices - 4%, minimum 390 rubles.

The daily limit for Sberbank cash withdrawals on credit cards is different for each card, see the tariffs for servicing your particular plastic card.

Bank cards– universal payment instrument, allowing you to make purchases and other financial transactions in non-cash form. At the same time, situations often arise when cash is required, and then the question arises: how can it be profitable to withdraw money from the card?

Sberbank offers a wide range of cards of different levels, which have their own parameters for receiving funds. Conditions for cash issuance vary depending on the type and status of cards, as well as on the method of conducting transactions.

Cash withdrawals from debit cards

When you issue a card, a special account is opened for it, but cash is issued only using plastic. Without directly using the card, money can be withdrawn only in exceptional cases: if it is lost or captured by the terminal, if it is blocked on suspicion of compromise, if it is mechanically damaged, or due to expiration.

You can withdraw money in the following ways:

• through the cash desks of Sberbank and other credit organizations;
• at an ATM of Sberbank or other banks.

For receiving money within the limit at Sberbank points of issue and terminals, no commission fee is charged; in other cases, a certain percentage is withheld.

For MasterCard Standard/Visa Classic/MIR Classic:

For Visa Classic “Momentum”/MasterCard Standard “Momentum”:

For MIR Social:

For MasterCard Gold/Visa Gold/MIR:

For MasterCard Platinum/Visa Platinum, Signature, Infinite:

For Maestro/Electron/Maestro “Momentum”/Electron “Momentum”/PRO100 “STANDARD” (no longer available):

• at ATMs and bank branches in the service region - free within the limit and 0.5% if it is exceeded;
• at ATMs and bank tellers in another city/region – 0.75% of the amount;
• at issuance points of other organizations - 1%, minimum 150 rubles (for Maestro "Momentum" and Visa Electron "Momentum" issuance is not carried out); in third-party terminals – 1%, minimum 100 rubles (except for Maestro “Momentum” and Visa Electron “Momentum”).

In addition to daily and monthly limits, ATMs have a limit on the number of banknotes issued. The device can dispense no more than 40 banknotes at a time, so to receive a large amount you will need to make several transactions, each of which may be charged interest.

There may be a charge for issuing funds through cash desks and terminals of third-party organizations. additional charges, it is better to check the availability of which before performing the operation.

Receiving cash over the limit

The daily limit is set according to Moscow time from 00 to 24 hours. If it is necessary to receive an amount exceeding this limit, the client can contact the cashier by making a reservation. To do this, you need to fill out a corresponding application in advance. Money is issued upon presentation of an identity document. For withdrawals in excess of the established limit on the difference, a commission fee of 0.5-0.75% is charged.

You can also receive cash above the threshold amount through online transfers to other accounts, but there are also restrictions on these transactions:

• up to 3 thousand - using a one-time check;
• up to 10 thousand - transfer to the accounts of other clients;
• up to 10 thousand - transfer to cards of other banks;
• up to 10 thousand - enrollment by phone number.

The daily limit on these transactions is 100 thousand rubles, but the limit can be increased through the bank’s Call Center.

Cashing out currency at Sberbank

When withdrawing money in a currency different from the account currency, a conversion is carried out. If you withdraw money at a Sberbank cash desk or terminal, the conversion is made at the internal rate in effect at the time of the transaction.

When withdrawing from an ATM or a third-party cash desk, the amount is first blocked at the bank's rate established at the time of the transaction, and debited at the rate in effect on the date it is processed (usually after 1-3 business days). Due to possible differences in exchange rates, both a positive and negative balance may appear on the client’s account. According to the terms of service bank cards the client himself controls the state of the account and is responsible for possible overdrafts of the balance.

Emergency cash withdrawal

In case of loss of plastic abroad, the possibility of emergency issuance of funds is provided card account. The service is available for cards of the Classic and Standard levels and higher. This service is provided internationally payment system and provides for a one-time withdrawal of funds from the account with a commission, which is debited upon completion of the expenditure transaction.

Cash withdrawals from credit cards

Credit cards are intended for making non-cash payments, so withdrawing money from them is usually unprofitable:

Daily limits:

• Visa Classic/MasterCard Standard: at Sberbank ATMs – 50,000 rubles; at cash desks and ATMs of third-party organizations - 150,000 rubles;
• Visa Gold/MasterCard Gold/World MasterCard Black Edition/Visa Signature: at Sberbank ATMs – 100,000 rubles; at cash desks and ATMs of third-party organizations – RUB 300,000.

In addition to high commission fees, cashing out a credit card is also unprofitable because these transactions are not covered by grace period. Even if the amount is returned to the card account before the grace period expires, interest will be charged on it.

How to withdraw money from a Sberbank credit card without fees?

Despite these conditions, there are several ways to save money when cashing out a credit card.

1. “Card to Card” service from Tinkoff

Using this service you can make a transfer between cards of any credit institutions. Tinkoff commission will be 1.5% of the transfer amount (however, if you make a transfer to debit Tinkoff map Black, it will be completely free for you!), while the issuers usually do not withhold fees. The maximum amount available for online transfer is 75,000 rubles, however, in practice, no more than 30,000 rubles can be transferred from a Sberbank credit card. at a time.

Conditions for transfers using the “Card to Card” service:

Although the counting mode does not provide for non-cash transfers, operations of this service are classified by the system not as a transfer, but as a payment, which makes it possible to make them. Besides, they fall under the grace period.

Unfortunately, with credit cards Sberbank payment system MasterCard, the method described above does not work. From payment Visa system no problems recorded.

It is also possible that the performance of the method described above is influenced by other factors, including the category of the card, etc.

2. Post Bank mobile application

For this option you will need a debit card and mobile app Post Bank. Using the application, you can top up your Pochta Bank card from any other cards, including credit cards. For transfers up to 3,000, a commission of 20 rubles is charged, and transfers over 3,000 are not subject to fees. There are also no commissions from Sberbank, and transactions are subject to a grace period.

Thus, if you carefully read the conditions for various transactions, you can choose the most suitable option for receiving cash cash from a bank card.