Today, plastic cards of various banks have flooded our lives. Just like cell phones, they have almost become one of the most important components of our lives. Now you don’t even have to use cash, but store everything on a card, since almost every major store has a terminal for non-cash payment of purchases. Agree, convenient.
But sometimes in our life there are situations when some kind of big deal or just a purchase, but you can’t pay by card. What then to do? Of course, withdraw money through an ATM. Here, everything will depend on what amount is needed to withdraw. If the amount is not very large and the daily limit allows, then you can withdraw it at a time. But not everyone knows what the daily limit is and how much money can be withdrawn from an Sberbank ATM. Let's figure it out in order.
What is the daily limit?
This concept should not be confused with a one-time limit for cash withdrawal by an ATM, as it can differ significantly. The daily limit is the amount of funds that can be issued by an ATM in 24 hours. If such an amount has already been withdrawn from the card, then it will be possible to withdraw the same amount only the next day. Therefore, if you want to withdraw a large amount at a time, it is better to take care of this in advance. So how much money can I withdraw at a Sberbank ATM per day?
What is the daily limit for Sberbank cards
In this case, it all depends on the status of the card. If the card is a Visa or MasterCard (Maestro) payment system, then the limit on the issue of funds per day will be only 50 thousand rubles. For cards that have a classic level (Visa Classic and Mastercard Standard), the limits will already be 150 thousand. With cards with a higher status, the exact situation is the same, that is, the higher the status of the card, the greater the limit on the issue of money per day.
When requesting the required amount at an ATM, it is imperative to consider how much money can be withdrawn from a Sberbank ATM at a time. They are issued no more than forty bills per request. For example, if these are banknotes with a face value of five thousand rubles, then the ATM will issue 200 thousand, but not every one of them is loaded with such banknotes. As a rule, they usually load bills with a face value of not more than 1 thousand rubles.
Is it possible to receive money from cards of third-party banks
As with any other ATM, Sberbank can also withdraw funds from cards of third-party banks. As for the daily limit, it is limited to the issuing bank, so when contacting the bank, you should definitely know how much money can be withdrawn from Sberbank's ATM per day, since employees will not be able to help you with the limits of third-party banks.
As for the commission, Sberbank itself does not charge any fees from its customers, but the bank that issued the card will take it. Therefore, in advance, check with the issuing bank for the issue of cash withdrawal fees. Sberbank establishes the only restriction that no more than five thousand rubles can be withdrawn per request. Therefore, if a large amount is required, it is better to withdraw it through the cash desk with a fixed commission of 4%.
Does Sberbank charge a fee for withdrawing from its cards
The answer is no, unless it is a credit card. Here, a commission in the amount of three percent is already charged, but not less than 199 rubles for one operation, so it is not profitable to withdraw with small amounts. For example, if you withdraw one hundred rubles, then you will pay a commission of 200. This is not at all profitable, since 300 rubles will have to be returned.
In general, it’s best to try to use a credit card to pay by bank transfer, since the grace period begins here for 50 days from the date of purchase, and also does not charge the bank a withdrawal fee. And how much money can I withdraw at a Sberbank ATM from a Visa card?
The credit card limit is set to not more than fifty thousand rubles in 24 hours. But here one should also take into account the fact that this amount also includes the commission for issuing cash.
For example, you want to get 50 thousand rubles. The commission will amount to one and a half thousand rubles. And you won’t be able to issue 51500 ATMs, so 48500 can be withdrawn, and the remaining 1500 will go to the commission.
Transfers between Sberbank customers
Sometimes it happens that the client has several cards from which you can withdraw money, but all the funds are on one. This immediately raises the logical question of how much money can be withdrawn from a Sberbank ATM per day (2014) by first making a transfer from card to card?
Everything is not as complicated as it may seem. When transferring funds from your card to your own, there is a limit of five hundred thousand per day, that is, if more is required, then you will have to wait until the next day. If the transfer is made to the card of another client of Sberbank, then the transfer limit will be only 100 thousand rubles. If necessary, send the amount more than the limit, it is best to do this through the cashier.
Transfers to cards of third-party banks
We have already figured out how much money can be withdrawn from Sberbank's ATM from a third-party bank card, but we have not yet learned how much money can be transferred. First of all, it should be noted that transfers are allowed to be made only on cards of the MasterCard payment system. Why it is such a restriction is difficult to say, but still it remains a fact and there is no way to challenge it. The limit on transfer is only ten thousand rubles. This is quite a bit, but if you need to send a small amount, it will work. By the way, it should also be said that a commission is charged for the transfer, which is one and a half percent, but not less than thirty rubles.
How much money can be withdrawn from an ATM of Sberbank when making cashless payments
When making payment for utilities or mobile communications and much more, the withdrawal limit will also be 500 thousand per day. Surely not a single person makes so many payments every day, so this amount will be quite enough.
If there is a need to transfer a large amount of money to the account of any organization that cannot be transferred through the terminal, then you can do it through the cashier, but in this case the question will not be how much money can be withdrawn from a Sberbank ATM per day, and how much can be transferred from the card through the cashier per day.
This question is also easy to answer. Any amount can be withdrawn and transferred through the cash desk, but if this amount is higher than the daily limit, the bank will charge a 0.5% commission. Also, when making payments, a 2% commission is charged, which is quite a lot.
In order not to overpay, you can make a transfer through the SberbankOnline system, where the supplier can be listed, and the commission will be, for example, fixed at 300 rubles. Agree that with a transfer of 500 thousand it is more profitable to pay 300 rubles than 10 thousand rubles.