Sberbank: commission for cash withdrawals from ATMs

Today we will be interested in Sberbank. Cash withdrawal fees are what most often makes citizens think. After all, it is not always possible to pay in a store with bank plastic. Cash, too, has not yet completely outlived its usefulness. How much will you have to pay in one case or another if you decide to withdraw cash from your Sberbank card at an ATM? This question is not as simple as it seems. You will have to take into account a lot of options for the development of events. And what if you need to withdraw money from a Sberbank ATM, but only from the “plastic” of its partner organization? All this requires careful study and understanding.

Truth or lie

But first, is there really a commission for our operation today? Many people don't believe that you can incur additional cash costs just because you want to withdraw cash. Unfortunately, this is true.

But there are exceptions for Sberbank. Cash withdrawal fees vary depending on the situation, with some exceptions. They occur much more often than you might think. What is it about?

Sberbank and ATM

The fact that the overwhelming majority of clients of our bank today may not even think about the issue of commission. There are some special rules in this regard. Especially if you have a debit card.

As a rule, there is no fee for withdrawing cash from a Sberbank card at an ATM of the same name. So, if you need to withdraw money, you can do so without much hassle. This is the rule that applies to the population in most cases. But you shouldn't be too happy. This phenomenon is usually called an exception to the rule. And all this despite the fact that it occurs extremely often in practice. What else can Sberbank offer? Cash withdrawal fees apply. But in what sizes?

Large amounts

For example, if we are talking about bank clients, but with large amounts of money on the card. That is, when you withdraw a lot of money. In such a situation, there will be a commission. But not in a fixed amount, but in percentage terms.

Sberbank offers cash withdrawal from an ATM. A commission appears if you debit more than 300,000 rubles from your account. In such a situation, additional expenses will be 0.5% of the amount of cash withdrawn. True, this also has its own characteristics.

The point is that the cash limit without debiting a commission depends mainly on the type of your “plastic”. It is reduced to 150,000 if you have a card: “Momentum”, “Student”, “Maestro”, “Visa Election”. It turns out that you can withdraw no more than 150 thousand rubles per day from them without additional expenses. And then the commission will be only 0.5%. Not too much, if you think about it. In principle, such a situation is very rare. Therefore, not everyone remembers it.

Credit card

In some situations, cash can be withdrawn from a Sberbank credit card. In this case, the commission will be deducted from you without fail, no exceptions! Moreover, as many citizens note, it is not very profitable to withdraw money from a credit card. The costs are often enormous.

The thing is that when you withdraw money from your card at a Sberbank ATM, you will be charged 3% of the total amount. And it doesn’t matter exactly how much you decide to get in your hands - 2,000 rubles or 350,000. The fact remains a fact. Please note: there is also a mandatory payment. It occurs when a very small amount is withdrawn from a credit card. Thus, you will have to pay 3% of the funds to be withdrawn, but not less than 390 rubles. This is exactly how much the bank will withhold from you in any case. Relevant for small amounts.

"Non-native"

What other surprises has Sberbank prepared? Many people are interested in the fee for withdrawing cash from ATMs. After all, it is not always possible to make payments using a card.

What if you decide to use a non-native ATM? That is, the Sberbank card, but the machine for receiving funds belongs to another banking organization. What to do in this case?

Nothing. Just be prepared that the commission will increase in this situation. Moreover, as practice shows, not too much. It doesn't matter whether you have a credit card or a debit card. You will have to pay 4% of the withdrawn amount. Again, there is a minimum of 390 rubles.

That is why it is more profitable to either pay directly with plastic or find the nearest Sberbank ATM. Sometimes it's easier than it seems! From now on, it is clear what fees apply when withdrawing cash from Sberbank.

Other cards

But it also happens that clients of other banks require an ATM from our current organization. As practice shows, “original” cars are not always used to receive money from “plastic”. So, situations in which the ATM is Sberbank, and the card is from any other company, are not so rare.

In this situation, you will also have to incur certain expenses. So, you decided to use the ATM of the Sberbank organization. The commission for withdrawing cash from it (any amount), if you use plastic from another bank, will be about 2-3%. And the “minimum wage” is set on an individual basis. You will have to check with your banking company for exact information.

Often, along with the commission, there is a limit on withdrawal of funds. It will appear in the menu when entering the amount to be written off from the card. Please take this into account. On average, as a rule, clients pay 3% per transaction of the withdrawal amount. This phenomenon became widespread with the advent of cards from the companies Yandex, MTS, Svyaznoy and so on.