Open Joint-Stock Company"Bank Dabrabyt" (previously until January 28, 2019 OJSC "Bank Moscow-Minsk")- a relatively small, but very active and successfully operating credit institution on the Belarusian market. The undoubted advantage of the Bank is a wide range of services for individuals. Dabrabyt Bank issues plastic cards: debit, credit, and also issued as part of special and salary projects.
Dabrabyt Bank's offers in some areas of customer service are not similar to those of other banks. This also applies to cash withdrawals from ATMs of partner banks.
Partner banks of Dabrabyt Bank, where you can withdraw money without commission
Dabrabyt Bank is one of 7 participating banks in the Self-Service Banking System (SBS). A common feature of the System’s operation was the possibility of free cash withdrawals using cards from partner banks at each other’s ATMs.
On this moment SBS participants include:
But the terms of service for debit cards issued by Dabrabyt Bank as of March 2019 differ from those accepted by other SBS participants.
Cash withdrawals without commission from Dabrabyt Bank cards are only possible at its own ATMs.
However, Dabrabyt Bank devices issue cash without commission using cards from partner banks.
This condition can be explained by the fact that the fee for withdrawing cash from ATMs of other banks is set not by the banks that own the ATMs, but by the banks that issue the card. Banks issuing funds may charge an additional commission for withdrawing money from other people’s cards, but they rarely use this opportunity.
ATMs of Bank Dabrabyt OJSC, its partners and other banks
The network of Dabrabyt Bank's own self-service devices is relatively small. So in Minsk there are only 27 of them, in Gomel - 10, in Mogilev - 7, in other regional cities 2-5, in some regional centers 1-2, and in most other cities there are none at all. In total, there are ATMs in 13 settlements in Belarus, but Dabrabyt Bank branches operate in 22 cities.
- To the question “where to withdraw money without commission from a Dabrabyt Bank card” there will be one guaranteed correct answer - “in Dabrabyt Bank’s own network.”
- Cash withdrawal using Dabrabyt Bank cards at ATMs of other banks will cost 2% of the withdrawal amount.
When withdrawing currency, another 3 dollars or 3 euros is added to the 2%, depending on the currency of receipt.
- Viewing the Dabrabyt Bank card balance is free at our own ATMs.
- The same operation on other people's devices will cost 50 kopecks, or 25 cents, or 25 euro cents.
For Dabrabyt Bank cards, the service of transferring funds from card to card is available.
- using the MMBANK-Online service it will cost 1% of the transfer amount;
- in terminals and services of other banks - 2%.
When transferring currency, 3 dollars or euros are also added to 2%, respectively.
It will be useful for all users of Dabrabyt Bank cards to clarify the conditions of the tariffs at which their cards were issued, because until recently Dabrabyt Bank had 6 partner banks. He can again change the conditions for issuing cash on his cards.
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IN modern world Almost everywhere you can pay by card, but there are still situations when you need cash. However, there are no problems with withdrawing money from a card in our country: ATMs are on almost every corner. The question is, how much will you have to pay for this pleasure?
It is necessary to clearly understand that all banks of the Republic of Belarus are independent commercial organizations who are not obliged to serve clients of other banks for free. That is why in most cases you have to pay a commission to withdraw cash from a card of one bank at an ATM of another bank.
You can always withdraw money without commission at your bank's ATM. However, what to do if there is no ATM nearby? Some banks of the Republic of Belarus are partners, which means that you can withdraw money from a card at an ATM of a partner bank without commission.
In this article you will find out which ATMs you can withdraw money from without commission.
First, you need to decide on the issuing bank, i.e. with the bank that issued your card. The list of partner banks that allow you to withdraw money without commission depends on the issuing bank. Also, the possibility of withdrawing cash from an ATM card of a particular bank depends on payment system( , or ). For example, Bank BelVEB issues only cards of the VISA payment system; withdraw money from a payment card MasterCard systems You can't use this bank's ATMs! Pay attention to the payment system icons that are indicated on ATMs.
Well, now let’s go directly to our partners, from whose ATMs you can withdraw money without commission.
Alfabank: withdraw money without commission from an Alfabank card
Alfabank issues cards of all payment systems that are represented on the territory of our Republic. You can withdraw money without commission from an Alfabank card at ATMs of the following partner banks: Bank BelVEB, Bank Moscow-Minsk, BSB Bank, Idea Bank, RRB-Bank, Technobank. Partner banks allow you to withdraw cash from VISA, MasterCard and BELKARD cards.
At Alfabank ATMs, there are limits for free balance viewing for bank clients: 2 views per day - free; 3 or more – 0.35BYN per view/
Belagroprombank: withdraw money without commission from Belagroprombank card
Belagroprombank issues cards of three payment systems: VISA, MasterCard and BELKART. You can withdraw money without interest at ATMs of the following partner banks: for VISA, MAsterCard and BELKART cards - Belarusbank, Belinvestbank and BPS-Sberbank.
At Belagroprombank ATMs there are no restrictions on viewing the balance for owners of bank cards of this bank! You can view your balance without restrictions, and most importantly, for free!
Belarusbank: withdraw money without commission from a Belarusbank card
Belarusbank issues cards of three payment systems: VISA, MasterCard and BELKART. You can withdraw money without commission at ATMs of partner banks: Belagroprombank, Belinvestbank, BPS-Sberbank. ATMs of partner banks service cards of all three payment systems.
Cardholders of this bank can view their balance at Belarusbank ATMs without restrictions or fees.
BelVEB: withdraw money without commission from BelVEB Bank card
BelVeb Bank issues plastic cards payment systems BELKART, VISA and MasterCard. You can withdraw cash without interest or commissions from ATMs of partner banks: Alfa-Bank, Bank Moscow-Minsk, BSB Bank, Idea Bank, RRB-Bank, Technobank.
For owners of its cards, Bank BelVEB has set a limit on viewing the balance at its ATMs. BelVEB Bank cardholders can view their account balance for free only 3 times a day. For 4 and each subsequent views you will have to pay 2BYN for each transaction.
Belgazprombank: at which ATMs you can withdraw money without commission from a Belgazprombank card
Belgazprombank issues bank cards only two payment systems: VISA and MasterCard. You can withdraw cash without commission at ATMs of partner banks: for VISA and MasterCard cards - at branches of RUE Belpochta, MTBank.
As for checking the balance, cardholders of this bank can check the ATMs of Belgazprombank without restrictions and commissions.
Belinvestbank: withdraw money without commission from a Belinvestbank card
Belgazprombank issues bank cards of three payment systems: VISA, MasterCard and BELKART. You can withdraw cash without commission at ATMs of partner banks: for VISA and MasterCard cards - Belarusbank, Belagroprombank, MTBank; for BELKART cards - Belarusbank and Belagroprombank.
BNB-Bank: where to withdraw money without commission from a BNB-Bank card
BNB-Bank issues bank cards of only three payment systems: VISA, MasterCard and BELKART. You can withdraw cash without commission only at BNB-Bank ATMs.
As for checking the balance, cardholders of this bank can use the ATMs of BNB Bank without restrictions and commissions.
BPS-Sberbank: withdraw money without commission from a Sberbank card
BPS-Sberbank issues bank cards of three payment systems: VISA, MasterCard and BELKART. You can withdraw cash without commission at ATMs of partner banks: for VISA and MasterCard cards - Belarusbank; for BELKART cards - Belarusbank and Belagroprombank.
As for checking the balance, cardholders of this bank can use Belgazprombank ATMs without restrictions and commissions.
BSB Bank: withdraw money without commission from a BSB Bank card
BSB Bank issues bank cards only for the VISA payment system. You can withdraw cash without commission at ATMs of partner banks: Alfa-Bank, Absolutbank, Bank BelVEB, Bank Moscow-Minsk, Eurotorginvestbank, Idea Bank, RRB-Bank, Technobank.
As for checking the balance, cardholders of this bank can view the ATMs of BSB Bank without commission 2 times a day, from the 3rd for each view they need to pay 0.1BYN.
BTA Bank: withdraw money without commission from a BTA Bank card
BTA Bank issues bank cards of two payment systems: VISA and BELKART. You can withdraw cash without commission only at BTA Bank ATMs. This bank has no partners.
As for checking the balance, cardholders of this bank can use BTA Bank ATMs without restrictions and commissions.
VTB: withdraw money without commission from a VTB Bank card
VTB Bank issues bank cards only for the VISA payment system. You can withdraw cash without commission only at VTB Bank ATMs.
As for checking the balance, cardholders of this bank can view the ATMs of VTB Bank without commission 9 times per month, from the 10th for each view they need to pay 0.1BYN.
Idea Bank: withdraw money without commission from Idea Bank card
Idea Bank issues bank cards of three payment systems: VISA, MasterCard and BELKART. You can withdraw cash without commission at ATMs of partner banks: for VISA, MasterCard and BELKART cards - only Idea Bank ATMs; for VISA Gold cards - Bank BelVEB, Bank Moscow-Minsk, Alfa-Bank, BSB Bank, RRB-Bank, Technobank.
As for checking the balance, cardholders of this bank can view the ATMs of VTB Bank without commission 2 times a day, from the 3rd for each view they need to pay 0.06 BYN. There are no restrictions or fees for VISA Gold cards.
Moscow-Minsk: withdraw money without commission from a Moscow-Minsk Bank card
Bank Moscow-Minsk issues bank cards of three payment systems: VISA, MasterCard and BELKART. You can withdraw cash without commission only at Bank Moscow-Minsk ATMs.
As for checking the balance, at the ATMs of the Moscow-Minsk Bank, cardholders of this bank can view without commission 2 times a day, from the 3rd for each view they need to pay 0.38 BYN.
MTBank: withdraw money without commission from an MTBank card
MTBank issues bank cards of only two payment systems: VISA and MasterCard. You can withdraw cash without commission at ATMs of partner banks: Belgazprombank, Belinvestbank, at branches of RUE Belpochta.
As for checking the balance, cardholders of this bank can use MTBank ATMs without restrictions and commissions.
Paritetbank: withdraw money without commission from a Paritetbank card
Paritetbank issues bank cards of only two payment systems: VISA and BELKART. You can withdraw cash without commission only from Paritetbank ATMs. This bank has no partners.
As for checking the balance, cardholders of this bank can use Paritetbank ATMs without restrictions and additional fees.
Priorbank: withdraw money without commission from a Priorbank card
Priorbank issues bank cards of three payment systems: VISA, MasterCard and BELKART. You can withdraw cash without commission at ATMs of partner banks: for VISA and VasterCard cards - Belagroprombank, BPS-Sberbank, branches of RUE Belpochta; for BELKART cards - Belagroprombank, branches of RUE "Belpochta".
There is a limit for viewing the balance at Priorbank ATMs: 4 views per day - free, 5 or more - 0.4 BYN per view.
Bank Solution: withdraw money without commission from a Bank card Solution
Bank Solution issues bank cards of only two payment systems: VISA and BELKART. You can withdraw cash without commission only at Solution Bank ATMs. This bank has no partners.
RRB-Bank: withdraw money without commission from an RRB-Bank card
RRB-Bank issues bank cards of only two payment systems: VISA and BELKART. You can withdraw cash without commission only at RRB-Bank ATMs. This bank has no partners.
As for checking the balance, cardholders of this bank can use RRB Bank ATMs without restrictions and additional fees.
Technobank: withdraw money without commission from a Technobank card
Technobank issues bank cards of only two payment systems: VISA and BELKART. You can withdraw cash without commission at ATMs of partner banks: Alfa-Bank, Bank BelVEB, Bank Moscow-Minsk, BSB Bank, Idea Bank. For cards of the VISA payment system, another partner is added - RRB-Bank.
Non-cash money has long and firmly become an integral part of our Everyday life. Absolute majority wages is transferred to employees to their current accounts, which are accessed using an instrument such as a bank account payment card. And just current accounts, as a rule, are issued with the issuance of a card for access to them. The network of trade and service enterprises that accept non-cash payments is expanding every day.
But there are still frequent cases when you need to quickly withdraw cash from a card, but there is no ATM of the bank that issued the card nearby. In this case, banks enter into partnership agreements with other banks to give their clients the opportunity to withdraw money from their account without commission to the partner bank, through whose ATM the withdrawal takes place.
To save bank clients on cash withdrawal fees, we have prepared a list where partner banks give their clients the opportunity to withdraw money from an ATM without interest.
To simplify things, let’s look at partner ATMs for ruble current accounts. Although, as practice shows, almost always partnership programs apply to both salary and currency cards.
In the table, banks are ordered by convenience for the client (number of partners, availability of programs, list of cards served).
Table. ATMs that allow you to withdraw money without commission.
|
Bank |
Card type |
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|
Mastercard |
Belkart |
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|
Alfa Bank |
Bank BelVEB, VTB Bank, Bank Moscow-Minsk, BSB Bank, Idea Bank, RRB-Bank, Technobank |
||
|
Bank BelVEB |
Alfa-Bank, Bank Moscow-Minsk, BSB Bank, Idea Bank, RRB-Bank, Technobank |
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|
Alfa-Bank, Bank BelVEB, Bank Moscow-Minsk, Idea Bank, RRB-Bank, Technobank |
|||
|
Technobank |
Alfa-Bank, Bank BelVEB, Bank Moscow-Minsk, BSB Bank, Idea Bank, RRB-Bank |
||
|
Priorbank |
Without a service package: up to 200 BYN per month, at any ATMs; up to 5,000 BYN per month, in the branches of RUE "Belpochta" |
||
|
With service package: |
|||
|
free - at any ATM up to a certain amount, depending on the package |
|||
|
Belagroprombank |
Belarusbank, Belinvestbank, Belgazprombank |
||
|
Belarusbank |
Belagroprombank, Belinvestbank, BPS-Sberbank |
||
|
Belgazprombank |
VTB Bank, Belagroprombank, MTBank |
Doesn't release |
|
|
Belinvestbank |
Belagroprombank, Belarusbank, MTBank |
Belagroprombank, Belarusbank, MTBank - Belkart-Premium-Maestro cards "life:)" Belagroprombank, Belarusbank - Belkart-Premium-Maestro cards (Motsnaya) |
|
|
Belgazprombank, Belinvestbank, branches of RUE "Belpochta" |
Doesn't release |
||
|
BPS-Sberbank |
Belarusbank, Priorbank (until the end of 2018) |
Belarusbank, Belagroprombank |
|
|
Idea Bank |
Only Idea Bank Visa Gold(“PRIME”) - in any for free |
Only Idea Bank |
|
|
Only BNB-Bank Visa Infinite - in any for free |
Only BNB-Bank |
||
|
Bank Solution |
Only Bank Solution |
||
|
Only BTA Bank |
|||
|
Only RRB-Bank |
|||
|
Only VTB Bank |
Doesn't release |
||
|
Bank Moscow-Minsk |
IMB only |
Doesn't release |
|
|
Paritetbank |
Only Paritetbank |
Doesn't release |
Only Paritetbank |
|
Zepter Bank |
Only Zepter Bank |
Doesn't release |
Only Zepter Bank |
|
Fransabank |
Doesn't release |
Only Fransabank |
Issue of BELKART-Standard cards has been suspended since 07/09/2018 |
|
StatusBank |
Doesn't release |
Bank cash desk |
Doesn't release |
As we can see, almost half of the banks do not have partners, and StatusBank does not issue cards at all. Moreover, there are no partnership agreements, mainly among small banks. Typically, partnerships are often not reciprocal in nature. So, although VTB Bank itself acts as a partner, there are no partner ATMs for its clients. And no wonder: partnership is free for the client, but not for the bank.
It is worth noting that, like most agreements, interbank partnerships also have their terms. And periodically partners become “former”. For example, Priorbank, which no longer cooperates with Belagroprombank. He is a partner of BPS-Sberbank until the end of the year, but what will happen next? Thus, the relevance of the information does not last long and it is useful to check on your bank’s website who is its current partner. And the always accessible Internet makes it easy to clarify this issue.
Competition among banks for clients leads to banks coming up with additional conveniences for clients. One of these conveniences is the creation of a partnership network of ATMs with other banks so that customers can use the card on favorable conditions without reference to a specific bank. Naturally, clients benefit from this. But unfortunately, not everyone knows about such opportunities and continues to withdraw money from their own ATMs, sometimes creating queues of several people. Below is a list of ATMs of partner banks where clients of these banks can withdraw money for preferential terms X.
Alfa Bank partner banks | 7 banks
Alfa Bank became one of the first banks that began to build a lean ATM network with other banks. And today, Alfa Bank’s ATM partner network is one of the largest in Russia. Alfa-Bank clients can withdraw from their cards without commission at ATMs of the following banks: Gazprombank, Otkritie Bank, Moskovsky Credit bank, Rosbank, Promsvyazbank, Rosselkhozbank, Ural Bank for Reconstruction and Development.
Rosbank partner banks | 8 banks
Partner ATMs for withdrawing cash from Rosbank cards are as follows: Ak Bars, Alfa Bank, VTB, Gazprombank, Raiffeisenbank, Rosselkhozbank, Uralsib Bank. Since December 2019, Rosbank card holders can withdraw money from Sovcombank ATMs just like at their ATMs.
Partner banks of Uralsib Bank | 5 banks
Uralsib clients can withdraw without commission in VTB ATMs Bank of Moscow, Rosgosstrakh, Raiffeisenbank, Uglemetbank.
Addition: On August 2, Uralsib abolished the commission for cash withdrawals on its debit cards at any ATMs in Russia for transaction amounts exceeding 3 thousand rubles; for a smaller amount, the commission will be 49 rubles.
Raiffeisenbank partner banks | 10 banks
You can withdraw from Raiffeisenbank cards without commission to Binbank (including cash deposit), Gazprombank, MKB (including cash deposit), Rosselkhozbank, Rosbank, Uralsib, Energotransbank, Unicreditbank.
Promsvyazbank partner banks | 4 banks
PSB card holders can withdraw without commission to Alfa-Bank, Rosselkhozbank, Bank Vozrozhdenie, and AVB Bank.
Gazprombank partner banks | 4 banks
Gazprombank's partner banks are Alfa Bank, Credit Ural Bank (KUB), Belgazprombank. At the ATMs of these banks, you can request a balance and withdraw cash from a Gazprombank card at a rate of 0.5% of the withdrawal amount (Operations in the GPB corporate network), Otkritie Bank.
Partner banks of Post Bank | 8 banks
The Pochta Bank card allows withdrawal on preferential terms (no commission) at VTB Group ATMs, which include the bank of the same name, VTB Bank (Georgia), VTB Bank (Ukraine), VTB Bank (Armenia), VTB Bank (Belarus), VTB Bank (Azerbaijan), VTB Bank (Kazakhstan).
VTB partner banks | 9 banks
The partner banks of the second largest bank in Russia are currently banks included in its own VTB Group in Russia and abroad. In Russia, this is the united VTB Bank (VTB24 and Bank of Moscow), Post-Bank. Abroad, these are the subsidiary banks of VTB described above.
Partner banks of Rosgosstrakh Bank | 2 banks
You can withdraw money from the Rosgosstrakh Bank (RGS Bank) card on preferential terms at the ATMs of the Moscow Credit Bank. Commission for withdrawing money from debit card The bank's RGS at the ATMs of these banks is 0.5% (min. 50 rubles/2 dollars/2 euros).
Partner banks of Rosselkhozbank | 4 banks
Partners of Rosselkhozbank (RSHB) for withdrawing cash from cards are Alfa-Bank, Promsvyazbank, Raiffeisenbank, Rosbank.
Partner banks of Otkritie Bank | 8 banks
Since April 2019, clients of Otkritie Bank can withdraw cash from VISA cards or MasterCard without commission at Alfa-Bank (including zero commission for accepting cash), Gazprombank, Raiffeisenbank, Russian Standard, Unicredit Bank, Zenit Bank, SKB Bank and GazEnergoBank.
SMP Bank partner banks | 2 banks
SMP Bank's partners are banks included in its structure. These are Mosoblbank and InvestCapitalBank. Withdrawing cash from ATMs of these banks is free.
Partner banks of Moscow Credit Bank | 4 banks
Clients of Moscow Credit Bank can withdraw free of charge from the partner integrated ATM network of MKB, which includes the following banks: Alfa-Bank (including depositing cash), Raiffeisenbank, UniCredit Bank, Rosgosstrakh Bank.
Sberbank partner banks | 12 banks
Sberbank has partner banks, at whose ATMs Sberbank clients can withdraw cash from a debit card on preferential terms. These conditions may differ slightly in each regional bank, but, as a rule, no commission is charged. Some cards may have a commission of no more than 0.75% of the withdrawal amount.
Sberbank's partners are its subsidiary banks abroad: Sberbank (Kazakhstan), Sberbank of Russia (Ukraine), BPS-Sberbank (Belarus), DenizBank A.S. (Türkiye), Sberbank d.d. (Croatia), Sberbank BH (Bosnia and Herzegovina), Magyarorszagi Volksbank Zrt (Hungary), Sberbank a.d. Banja Luka (Serbian Republic), Sberbank Srbija (Serbian Republic), Sberbank Slovensko (Slovakia), Sberbank banka (Slovenia) and Sberbank CZ (Czech Republic). The collection of tariffs can be found on the bank’s website.
Tinkoff Bank partner banks
As you know, Tinkoff Bank has Tinkoff Black map the commission is the same for all ATMs: for a withdrawal amount of more than 3 tr, no commission is charged, and for a withdrawal amount of less than 3 tr it is 90 rubles. If you exceed the limit of 500 rubles, in both cases an additional commission of 2% is charged. Thus, the issue of partner banks is not very relevant here.
The largest limits on cash withdrawals
When withdrawing cash from ATMs, especially if the ATMs are from someone else’s bank, the question arises: how much can be withdrawn at one time? Below are the banks where they are installed maximum limits to withdraw cash from a card of another bank:
Alfa-Bank ATMs— limit on cash withdrawals MasterCard cards up to 450 thousand rubles (subject to technical possibility).
ATMs Tinkoff Bank — the withdrawal limit at these ATMs is usually 100 thousand rubles per transaction.