Credit cards are designed to pay for services and goods, primarily in a non-cash way. Sberbank actively offers various types of credit cards, including international ones. Most credit card transactions do not require cash withdrawals, but there are situations where paper money is indispensable.
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Cashing out a Sberbank credit card
Working with ordinary paper and metal money is directly related to additional costs for the bank. They need to be transported, counted, stored, the condition of banknotes checked, and damaged ones written off. Non-cash payments, on the other hand, significantly increase profitability, reduce costs, and speed up banking operations. Cash withdrawal from credit cards is available, but you need to know the amount of the commission for different methods of cashing out money.
Ways to withdraw cash from a credit card:
- Chereshch Sberbank ATM;
- using a payment terminal ;
- at the cash desk branch . In addition to the card, you will have to take your passport with you;
- transfer to another bank card and further cashing out;
- through the postal service. You can send a transfer and receive cash;
- using a money transfer through one of the specialized systems, for example, Contact or Unistream;
- with a phone bill.
Transfer from credit card to debit, commission percentage
One of the available ways to cash out a credit card is to transfer the required amount of money to a debit card, from which you can withdraw cash without commission.
There is a 1% fee when transferring from a credit card to a debit card.
Withdrawing cash automatically ends the credit card grace period. Today it is 50 days.
Interest for withdrawing cash from a credit card at an ATM
For cash withdrawals from a credit card, a fee of 3% of the amount is charged, but not less than 390 rubles (at a time).
In addition, there is also a limit on cash withdrawals per day. For ordinary credit cards, it is 50 thousand rubles .
Cash withdrawal method without commission
If the money is on a credit card and you need a small amount without charging a commission, you can resort to a little trick. To do this, they replenish the mobile account of their friend with money from a credit card, and he already gives the required amount in money. It remains only to find a person who needs to replenish a mobile account at the moment.
Fee for withdrawing cash from "gold" credit cards
You need to know that the size of the commission from Gold credit cards does not differ from ordinary cards and is also 3%.
For credit "gold" cards served on preferential terms, the minimum amount of cash withdrawal has been reduced. It is 199 rubles. Otherwise, cash withdrawals from a Sberbank credit card, cashing out methods, interest are identical to the above instructions.
Bonuses when paying by card
Setting limits and commissions helps to switch to cashless payments. Various bonuses for credit card holders also contribute to this, for example, the Thank You program from Sberbank and a whole system of discounts in stores.