Sberbank cards are used by almost every Russian over 18 years old. The most demanded operation is cash withdrawal in bank terminals. Credit card holders can receive the required amount only within the limit on the card. But sometimes customers need more money than the conditions for issuing cash. In order not to pay a commission to the bank, you should use one of the tricks on how to withdraw a large amount from a Sberbank card.
Conditions for withdrawing cash from ATMs of Sberbank
Withdrawing money means cashing out a credit card account. The amount that a client can receive is limited by the daily and monthly limits. The minimum client can receive 50 thousand rubles in one day. Amounts for which the bank does not charge a commission are taken into account.
If the client wants to receive over the limit per day, hemust pay the bank. The commission is 0.5% of the amount over the limit. For example, if the limit on the owner's card is 150 thousand rubles, and the owner wants to receive 200 thousand rubles, he will have to pay a commission of 250 rubles. This is the commission from 50 thousand rubles, which the cardholder withdraws in excess of the daily limit.
How do I know my limit?
Before calculating the expected commission on the card, you should clarify the conditions for its use. Customer can find out information:
- In the contract. It is issued together with the application for a card. All tariffs for a debit or credit card of Sberbank will be registered there.
- At any branch. It is enough to take a card and a passport with you. The manager will help you figure out what the commission for exceeding will be.
- Call support. By calling, the client of Sberbank will receive all the necessary information at any time of the day. The call is free.
- On the Sberbank website. In the section dedicated to bank cards, there is information about the tariffs of means of payment. It can be downloaded as a separate file. Or find the type of card the customer is using and read the details about it.
Information about tariffs will let you know how much money can be withdrawn from a Sberbank card without commission. It should be remembered that with credit cards, cash withdrawals from an ATM are always accompanied by a commission.
Methods for withdrawing cash in bulk
When cash is urgently required, the client, alas, does not always havethe ability to withdraw all funds from the card. Bank limits protect against fraudulent activities and losses in case of theft of the means of payment. But restrictions sometimes prevent users from receiving a large amount within a day.
There are several options for how to withdraw a large amount from a Sberbank card. All of them allow you to avoid withdrawal fees and restrictions. You can use one or more methods at the same time.
How to withdraw a large amount of money from a Sberbank card:
- Transfer to account via operator.
- Make a transfer to Sberbank Online.
- Make a transfer at the self-service device.
- Use another Sberbank card.
- Transfer funds to another person.
Transfer at an additional office of Sberbank
When cardholders fail to withdraw cash in the required amount, they, first of all, turn to Sberbank employees. To perform the operation, you should take your bank card and passport with you.
The only way to withdraw a large amount from the card at one time is to transfer them to the account and make a debit transaction from it. If the client does not have an account other than a bank card, a Sberbank employee will help create a new deposit.
To transfer, you should open a savings or universal account. Deposits will not work: they serve to accumulate funds.
How much you can withdraw from a Sberbank card depends not only on the availability of funds from the client, but also on the capabilities of the savings bank. Limit at the box officeSberbank is limited. Therefore, it is advisable to order cash in advance so that you do not have to withdraw money from the account in installments over several days.
Order funds can be done a day or two before the intended withdrawal. It is required to name the full name. account holder and the amount to be received.
Limits and Sberbank Online
You don't have to go to the bank to transfer funds. The operation is easy to perform in the Internet Bank.
To do this, the client must be logged in. On the main page there will be cards and accounts. You should click on the "Operations" of the card on which the funds are located. Next - "Transfer between accounts and cards".
After selecting the amount and account to be credited, the operation must be confirmed. The money will be transferred instantly. The information is stored in the history of Sberbank Online.
After transferring funds, the client can apply with a passport to any Sberbank office and withdraw cash from the book.
Transfers in terminals
If the cardholder wants to withdraw a lot of money in one operation, he can transfer them to the account using ATMs. The transfer is recommended to be carried out in the self-service area, which is located on the territory of the Sberbank office. So it will be easier for the client: immediately after the transfer, he can go to the operator for withdrawal.
How to withdraw a large amount of money from a Sberbank card using a terminal:
- In the menu, find "Transfers and payments".
- Select "Between your accounts".
- Determine the debit amount and confirm.
- Check out the completed operation.
Transfer to another card
If the client has another debit card, to withdraw the entire amount, you can transfer funds not to the account, but to another means of payment. The operation can also be performed in the office, Internet banking or terminals.
This option, how to withdraw a large amount from a Sberbank card, is suitable for those who did not take their passport with them or do not want to go to the office.
Third Party Assistance
To perform such an operation, you should contact only those whom the client trusts. After transferring money to a third party, it will be impossible to cancel the operation.
How to withdraw a large amount from a Sberbank card in this way? It is necessary to transfer the amount over the limit to another client. He must withdraw the transferred money from his card at a Sberbank ATM.
When transferring, a commission of 1% of the amount is possible. Crediting funds takes no more than 24 hours.