The massive spread of non-cash payments does not mean a complete abandonment of cash circulation. Sometimes there is a need to cash out quite large amounts. Then the problem arises, how much can you withdraw from a Sberbank card per day?
For security reasons, it is wiser to withdraw large amounts from ATMs located inside Sberbank offices.
Basic Concepts
Before understanding what maximum amount, which can be withdrawn from a Sberbank card, you need to define some terms used by banks.
The daily cash withdrawal limit on a Sberbank card is the largest amount that can be cashed out (withdrawn from the card account) in one day. There are no restrictions on how many times per day you can perform this operation.
By day, financial organizations mean the time from 0:00 a.m. on one day to 24:00 a.m. on the same day. Since we are talking about Russian norms and rules, when taking into account the time of operations, as a rule, Moscow time is accepted.
On daily limit factors such as:
- monthly limit, for example, if it is provided for in tariffs and was fully selected earlier;
- actual filling of an ATM or bank office with cash. It is recommended to order large amounts in advance - small branches may simply not have the required amounts of cash;
- credit limit or overdraft limit if funds are withdrawn from credit card or from a card with overdraft.
You should also consider how much you can withdraw from a Sberbank card at a time at an ATM. The bank limited this opportunity card holders in the amount of 50,000 rubles. This measure is aimed at minimizing losses in the event of fraudulent activities.
If to bank account cards connected " Mobile bank", then if the maximum limit (daily or monthly) is exceeded, the service will notify you about this.
At Sberbank, the limit for withdrawing cash from a card is determined by its type, as well as its level: for the gold or platinum standard, more favorable conditions are usually provided.
Restrictions on cash withdrawals from debit cards
Cash withdrawal limit debit card Sberbank, except Visa Gold and MasterCard Gold, as well as their platinum counterparts, is:
- in rubles – 1,500,000 rubles per month, but a maximum of 150,000 rubles per day;
- in euros – 37,500 € per month;
- in US dollars – $50,000 per month.
For these types of currency accounts, the daily limit is determined based on the equivalent of 150,000 rubles. A similar restriction has been established for cashing out funds in rubles at cash desks and ATMs of other banks. Using the services third party organizations From these types of accounts you can withdraw up to $6,000 or €4,500.
Product Visa Classic"Molodezhnaya" and MasterCard Standard "Molodezhnaya", including a form with individual design, involves withdrawal of no more than 1,500,000 rubles per month. Maintaining such an account in foreign currency, as well as its cashing in the currencies of other countries, is not provided.
For a number of socially significant products, the monthly cash withdrawal limit from a Sberbank card is 500,000 rubles at the bank’s cash desks and 100,000 rubles at its ATMs, with a daily cash withdrawal limit by any means of 50,000 rubles or the equivalent of this amount in foreign currency. These products include:
- Maestro Momentum;
- Visa Electron Momentum;
- Maestro;
- Visa Electron;
- Maestro "Transport";
- Visa Electron “Transport”;
- PRO100 "STANDARD";
- Maestro "Student";
- WORLD "Social".
The cash withdrawal limit at Sberbank for Visa Gold and MasterCard Gold (for debit products, including Aeroflot, Podari Zhizn) is:
- V national currency– 3,000,000 rubles per month, but not more than 300,000 rubles per day;
- in European currency – 75,000 € per month;
- in US dollars – $100,000 per month.
The daily limit for accounts opened in foreign currency corresponds to the equivalent of 300,000 rubles. To cash out funds using the services of other financial structures the following restrictions are established: in rubles - 300,000 rubles, in US dollars - $12,000, in euros - 9,000 €.
What is the maximum amount that can be withdrawn from a Sberbank platinum level debit card - Visa Platinum, MasterCard Platinum, as well as Visa Signature Aeroflot:
- in rubles – 5,000,000 rubles per month and no more than 500,000 rubles per day;
- in euros – 125,000 € per month;
- in US dollars – $170,000 per month.
How much can you withdraw from a Sberbank card of this rank per day in foreign currency - the equivalent of 500,000 rubles. If you withdraw funds from cash desks and ATMs of other banks, you can get up to 500,000 rubles, $12,500, 10,000 €.
Visa Infinite holders are well aware of how to withdraw a large amount from a Sberbank card. If there is an overdraft on the account within 3,000,000 rubles (or 100,000 $, or 70,000 €), as well as with an overdraft of up to 15,000,000 rubles (or 500,000 $, or 350,000 €):
- the monthly limit will be 30,000,000 rubles (or $1,000,000, or €750,000);
- daily allowance – 1,000,000 rubles (or $25,000, or €20,000).
Restriction on cash withdrawals at bank cash desks
For debit cards, a daily limit is established on cash withdrawals at Sberbank cash desks.
The specified limit for withdrawing money from a Sberbank card in branches of the organization located outside the region where the account is maintained, if the card itself is not provided, is for Visa Platinum and MasterCard Platinum, Visa Gold and MasterCard Gold and other products - 50,000 rubles (1,200 €, 1,600 $).
Restrictions on cards issued abroad
How much cash can be withdrawn from a Sberbank card issued in Belarus, Kazakhstan or Ukraine by a bank subsidiary is determined not by the daily limit, but by the maximum possible amount for cashing out in one transaction. For Maestro Momentum and for Visa Electron this value is 7,500 rubles ($250).
For cards of similar origin, but of a higher class, the restrictions are more relaxed. The cash withdrawal limit for Sberbank Visa Classic, Gold, Platinum and MasterCard of the same levels is the equivalent of 50,000 rubles in the national currency of the state in which the card was issued, and $2,000.
Commission for withdrawing cash from debit cards
When accessing the services of Sberbank self-service devices located in other regions, as well as the services of machines belonging to other financial institutions, you need to prepare for the fact that a commission in the amount of 1-4% of the cashed-out amount will be charged for the transaction (minimum 100 rubles, 3 $ or 3€).
If you exceed the daily limit for withdrawing money from a Sberbank card, then a commission of 0.5-0.75% will be charged for the amount exceeding the established limit.
If the card was issued in bank branches opened in Kazakhstan, Belarus or Ukraine, then a commission of 1% is charged when withdrawing cash. When accessing the services of Sberbank ATMs located abroad for Maestro Momentum series products, as well as for Visa Electron, the commission fee will be 0.75%. For others, this service will be free.
Restrictions on cash withdrawals from credit cards
The daily limit for withdrawing money from a Sberbank credit card is 50,000 rubles at an ATM, and 150,000 rubles at a cash desk. The last condition is also relevant for self-service devices and operators of third-party financial organizations. The restriction is valid for products like:
- Visa Classic "Give Life";
- MasterCard Standard "MTS";
- Visa Classic "Youth";
- MasterCard Standard "Youth".
The daily limit for withdrawing cash from a Sberbank Gold credit card is 100,000 rubles for cash withdrawal at an ATM, and 300,000 rubles at a cash desk. This class includes:
- Visa Gold;
- Gold MasterCard;
- Visa Gold "Give Life";
- MasterCard Gold "MTS".
What amount can be withdrawn from a Sberbank card in one day if it is Platinum American Express:
- at an ATM:
at the bank's cash desk:
- in rubles – 600,000 rubles;
- in euros – 15,000 €;
- in US dollars – $20,000;
When cashing out an account credit card you need to remember that Grace period does not work in such a situation. On the day of this transaction, interest on the loan begins to accrue. A commission of 3% (minimum 390 rubles) will also be charged when using Sberbank machines or cash desks and 4% when accessing technical devices belonging to other organizations.
How to withdraw cash more than the established limit
One way to remove the limit from a Sberbank card:
- opens new contribution. The operation can be performed at a bank branch or at personal account Sberbank Online;
- the amount to be cashed is transferred to this account;
- contact the Sberbank operator with a request to close this deposit. When closing an account financial institution is obliged to release all funds available on it.
The second way to withdraw a large amount from a Sberbank card is to use several cards - your own or those of people you can trust. Cash withdrawal can be carried out both at self-service devices and at cash registers. However, in the latter case, it is necessary that the transaction is carried out by the legitimate card holder. His identity will be checked: the cashier will ask to present his passport and also enter his PIN code.
The easiest way to comply with the limit for withdrawing money from a Sberbank card per day is to cash out the maximum possible amount at an ATM every day. This path has a number of significant disadvantages:
- operations will take a long time;
- the bank may block the account due to large activity that is atypical for the holder. This problem will be resolved by contacting the issuer’s office;
- the risk of robbery increases, especially if you use devices installed in the same area every day.
Sberbank offers its clients bank cards more than 40 species. They differ in the connected set of services, established limit for the circulation of funds, the cost of service. All cards have monthly and daily limits on cash withdrawals from ATMs and bank branches. The daily cash withdrawal limit depends on the card series. The most elite options are Platinum cards and Gold, they are intended for VIP clients who operate significant sums of money.
How the limit is calculated
A withdrawal limit is a certain amount of money available for withdrawal within a day, week or month. Restrictions apply to both cash receipts and internal electronic transfers. The limit is also called the available balance on a credit card.Sberbank sets a limit on the card depending on its type. There are more than 10 varieties bank cards- debit, pension, instant (Momentum), classic, premium, gift, gold and others. The higher the status, the more possibilities and fewer restrictions.
If the withdrawal of money is carried out at the Sberbank cash desk, then the daily limit is practically unlimited. Significant restrictions are imposed on operations carried out using automatic services. The limit on “platinum” and “gold” cards has been significantly increased.
The established limit also depends on the branch where the card was issued. Subsidiaries of Sberbank in Ukraine, Belarus and Kazakhstan set more stringent restrictions than the Russian branches of the bank.
Card type restrictions
The daily limit for cash withdrawal from a Sberbank card depends on the card series:- regular (non-premium) cards have a monthly limit of 150 thousand rubles, 6 thousand dollars or 4.5 thousand euros;
- premium cards of the Gold series (“golden”) from Sberbank have a limit of 300 thousand rubles, 12 thousand dollars or 9 thousand euros;
- platinum cards have the highest limit - 1 million rubles, 25 thousand dollars or 20 thousand euros.
For first-level cards that were issued by subsidiaries of Sberbank, an additional limit is set on the maximum amount of one transaction. This limit for VISA Electron Momentum is $250 for foreign currency account or 7,500 rubles for regular. If you need to transfer a large amount, you will need to carry out several operations in a row - existing restrictions do not block this possibility. Premium cards issued by divisions from subsidiaries have higher limits - $2,000 or 50 thousand rubles.
In addition to the daily limit, the bank has established restrictions on monthly spending. For standard cards this is 5 million rubles (200 thousand dollars and 150 thousand euros); for the Gold series - 10 million rubles ($ 400 thousand and € 300 thousand); For platinum cards- 50 million rubles (1.5 million dollars and 1 million euros). The daily limit for withdrawing cash from a Sberbank card applies to all types of withdrawal, including operations using an ATM.
Important: in this moment The bank does NOT issue this type of card; the product has been discontinued.
Non-registered cards have undeniable advantages in terms of service tariffs and speed of processing. But there are certain rules for issued Sberbank Maestro cards: limits on cash withdrawals, receiving and spending funds.
The card product had a social orientation: its holders were pensioners, participants salary projects and students. After the introduction of the MIR system, Maestro was replaced with products of the Russian payment system.
By this species cards you can get cash in various ways:
- branch operating cash desks;
- ATMs;
- bank cash desks and terminals belonging to another territorial division.
Requirements for the client when registering However, the amount that can be obtained using these methods varies, and some of them involve charging a commission. Since plastic is one of the simplest, it has a limit on receiving funds - 150 thousand rubles. This value is the maximum for the month. At the same time, you can perform an operation per day for no more than 50 thousand rubles.
Similar amounts are provided for similar transactions in another region. The difference is the collection of a mandatory commission fee of 0.75%. The size does not depend on the method of receiving money, but only on the service unit.
Commissions and other restrictions on Maestro
If the client needs to exceed the specified limits for receiving money through an ATM, he must contact the bank branch. But in this case, a commission fee is imposed on the amount of excess:
- 0.5% – at the cash desk of branches belonging to the territorial unit that services the card account;
- 0% – ATMs in the region of the service department;
- 0.75% – in another territorial branch of a banking institution.
The holder of non-registered plastic should be aware of the presence of restrictions regarding its use abroad. Even in bank branches located in Ukraine, Kazakhstan and Belarus, this operation is not provided.
Social – the most convenient option for enrolling pensions and other social benefits It will not be possible to withdraw money when using operating cash desks and self-service devices of other banks and financial institutions. There is no limit set for such an operation, since it is not provided for.
Any bank in the world has limits on cash withdrawals from cards Money. Sberbank of Russia also has its own system of limits. Restrictions apply to both maximum size cash withdrawn in one day, and to the monthly maximum. Limits differ by card type and by the method of “cash out” money (through a cash register or through an ATM). Every year the limit falls lower and lower, which is a consequence of the bank’s policy of switching to non-cash payment options.
Today, the limits on daily cash withdrawals at Sberbank are as follows:
1) Cash withdrawal using an ATM.
In this case, the same limits apply both to ATMs owned by Sberbank and to “foreign” ATMs. Attention: if money is withdrawn using a Sberbank ATM from a card of another bank, it will cost the cardholder 4% of the amount withdrawn.
For Gold Master Card and Visa cards Gold has a daily limit of 100,000 rubles.
From other types of Sberbank cards you can withdraw no more than 50,000 rubles per day.
For cards issued by Sberbank's subsidiary banks in Belarus, Kazakhstan and Ukraine, special limits apply for each transaction.
2) Cash withdrawal at Sberbank cash desks
Allows you to get a larger amount of money in your hands than in the ATM option described above. The limits set by the bank in this case are longer in terms of validity - the maximum amount is calculated not per day, but per month.
Gold cards Master Card and Visa Gold cards allow you to receive 9,000,000 rubles monthly.
From other cards issued by Sberbank, you can withdraw no more than 4,500,000 rubles per month.
Note. If you are going to withdraw a large sum at a time through the Sberbank cash desk, notify the employees you need in advance about the planned operation. Please note that, despite the large monthly limit, there are daily limits on the amount of free cash issued. As a rule, the size of the “free limit” corresponds to the size of the limit for cash withdrawal through an ATM. If you withdraw more than the limit, you will have to pay 0.5% of the excess amount.
3) Cash withdrawal through cash desks of other banks.
In this case, there are no limits limiting the amount of cash withdrawn. However, despite the fact that you can get any amount of paper money, it is not profitable - the interest rate for cash withdrawals in such institutions is much higher than the tariffs in force in Russia.
What is the limit for withdrawing cash from a Sberbank card per day?
All banks have a limited system for withdrawing cash from cards. Sberbank is no exception. Here the restrictions and the amount of the limit depend on the daily norm, on monthly norm and depending on the type of card - the system of restrictions also applies to all accounts, but the amounts at times differ greatly from those stated.
Let us note that the bar is slowly but surely being lowered - this is explained by the policy of the bank itself, which advocates non-cash payments and transfer options. For the majority of clients, these innovations will happen unnoticed - in ordinary life, people use smaller amounts, which amount to tens of thousands, but not hundreds. The limited cash withdrawal program is currently divided into several categories:
- Cash withdrawal limit from a Sberbank card at an ATM
- Cash withdrawal limit from a Sberbank card at the cash desk
- Limit for withdrawing cash from a Sberbank card at the cash desks of other organizations
Consider each of the points separately.
A system of limits aimed at transactions with large sums is the same for all ATMs, both for Sberbank ATMs and for ATMs of other banks. Keep in mind the only point: the commission percentage is different for everyone, but it is not more than 1% of the amount.
There are certain restrictions on the issuance of cash on card accounts at ATMs, a branch of Sberbank of Russia and other divisions:
Card products and transactions on them (Other conditions for Visa Gold, Gold MasterCard and higher):
- Ruble – no more than 1 million rubles. monthly limit, ATMs - no more than 50 thousand rubles per 24 hours.
- EURO – no more than 150 thousand EURO monthly limit, ATMs – no more than 4500 EURO per day.
- USD – up to 200 thousand USD, ATMs – up to 6 thousand USD in 24 hours.
Certain types of Visa Gold, Gold MasterCard cards:
- Ruble – 10 million rubles. monthly limit, ATMs up to 300 thousand rubles. during the day.
- EURO – 300 thousand EURO monthly limit, ATMs up to 9 thousand EURO
- USD – 400 thousand USD monthly limit, ATMs up to 12 thousand USD in 24 hours.
Visa Platinum, Platinum MasterCard and higher:
- Ruble – 50 million rubles. monthly limit, ATMs up to 1 million rubles per day.
- EURO – 1 million EURO monthly limit, ATMs – up to 20 thousand EURO during the day.
- USD – 1.5 million USD monthly limit, ATMs – up to 25 thousand during the day.
Cards produced by other subsidiaries in other countries are used in special conditions to service these operations. For example, for Sberbank cards of Kazakhstan, Belarus and Ukraine, the time frame is set not for 24 hours, but for 1 operation. The highest transfer amount will be:
- Maestro and Visa Electron - 7500 rub. (250 USD).
- Other cards – 50 thousand rubles (2 thousand USD) per transaction
Cash withdrawal limit from a Sberbank card at the cash desk
This cash withdrawal does not take into account the daily rate of cash withdrawal, but the monthly rate.
If you decide to withdraw large amounts of cash, you must notify the bank in advance. Be aware of daily cash withdrawal limits. They are fully consistent with ATMs. If you exceed this amount, then interest is charged in the amount of 0.5% of the difference.
Limit for withdrawing cash from a Sberbank card at the cash desks of other organizations
IN in this case there are no limits. You can also withdraw cash, only according to the rules of the organization’s service provided. The only thing to consider is that there will be a higher commission percentage for cash withdrawals.
Frequently asked questions and answers on withdrawing cash from cards from Sberbank clients
We wanted to withdraw money from the card through the Sberbank cash desk. Notified within a day. I came and was told to expect cash in that amount within 2 days. What should I do?
- You need to consult in advance about this with the bank where you want to make monetary transaction. Each branch has its own rules for withdrawing cash.
- If you planned to withdraw a large amount of money, you had to notify the bank at least 2 business days in advance.
- The amount of money you can withdraw will depend on the type of card you have and your daily allowance.
- ATMs have a convenient feature so you don’t have to guess the amount available operations. You can simply display the limit data on the monitor.
- Keep in mind that time passes, and the information on some information sites is not updated. Every year the bank makes certain additions to the main points of the agreement. Perhaps the latest innovations of Sberbank have come into force, so the transaction limit has been reduced.
I have a daily ATM withdrawal limit of 150 thousand rubles, but I could not withdraw more than 50 thousand rubles. Why?
- The first thing you need to do is consult with the operator hotline or your branch.
- Consider last changes aware of USD and EURO.
- From November 15, the limits were reduced.
If you were unable to withdraw more than 50 thousand rubles. at an ATM and an additional 50 thousand rubles. at the bank's cash desk, then you need to personally contact a bank employee for clarification of this issue.