How to withdraw money from a credit card. Is it possible to avoid paying a commission for withdrawing cash from a Sberbank credit card. How to withdraw money without commission

How to choose the best plastic

The credit card tabs list the main and additional parameters of banking products:

• limit of available funds;
• duration of the grace period;
• interest rate.

Credit cards with a grace period give their owner the opportunity to spend limit money (including withdrawing cash, if there is such an option) and deposit spent funds without overpayment for the number of days indicated in the terms of use of the product. Each plastic may be different.

Note! This can be beneficial, but it also carries certain risks. If you deposit funds after the interest-free period, the bank charges a fee. At the same time, the longer the delay, the greater the overpayment in the end awaits the client.

Often the duration of the grace period is reflected in the name of the credit card: “100 days without interest” from Alfa-Bank, “120 days” from Otkritie Bank, “110 days without interest” from Tinkoff Bank, etc. But in any case, you can focus on the information our financial portal. Also, each tab indicates how much it costs to issue and maintain plastic, including the second year of its use.

These are just the basic conditions, by comparing which you will be able to find out which product you may be interested in. If you want to learn more about a particular credit card, click "More".

On the page of each product, you can find additional features of the banking program in Moscow:

• requirements for the borrower;
• documents required for issuing a credit card;
• technical features of plastic;
• the possibility of withdrawing cash from ATMs;
• privileges that the owner of the banking product receives (bonus program, discounts from partners of the issuing organization, various special promotions, the amount and conditions for accruing cashback).

If you are satisfied with a certain card with a grace period, with or without the possibility of withdrawing cash, apply for an issue online.

As a payment instrument, these are non-cash payments. They are convenient to pay in stores, pay for services and make purchases via the Internet. That is why the withdrawal of cash from credit cards is not encouraged by banks.

When paying with a card at any outlet, the store pays the bank a commission of about 2% of the purchase amount, for any bank this is a profit. For this reason, they are not interested in cashing out credit funds. Sberbank is no exception: the conditions for withdrawing money from a credit card are not very beneficial for customers. However, situations may arise when it is necessary to withdraw money from such a card. How to do it - read on.

Where to withdraw cash from a Sberbank credit card

• the grace period of 50 days that every credit card has does not apply to cash withdrawals;
• a significant commission is charged for such an operation, and there is also a limit that depends on the type of card;
• if necessary, you can withdraw money at any ATM that supports MasterCard and Visa.

Withdrawals are available in the following ways:

1. ATMs of Sberbank and other banks.
2. Branch or cash desk of Sberbank (if you have a passport).
3. Transfer to the phone, and then to another card.
4. Transfer through payment systems.
5. Transfer to mobile electronic wallets.

Commissions

Before withdrawing money from a Sberbank credit card, you need to familiarize yourself with the information about what percentage the bank charges for this service. Typically, the commission depends on the ownership of the ATM used.

When a withdrawal occurs at a Sberbank ATM, a 3% commission is charged, but not less than 390 rubles. In ATMs of third-party banks, the commission is 4% of the amount with the same minimum threshold. When withdrawing cash at the cash desk of Sberbank, the commission does not differ. To receive money from a card at a branch of another bank, the fee is retained. In addition, you must provide the credit card itself and a passport.

Limit

Sberbank limits the daily cash withdrawal limit for credit card holders. An individual limit is set for each type of loan product. Through an ATM, you can withdraw up to 50,000 rubles, and at the box office up to 150,000 from a standard card and up to 300,000 from a gold one.

If money needs to be withdrawn from a non-Sberbank ATM, the limit may be reduced at the discretion of a third-party bank. For example, if you need to receive 70,000 rubles, and the card limit is 50,000, you should withdraw the maximum possible amount at a Sberbank ATM, and receive the rest through a third-party ATM.

In some cases, Sberbank provides for emergency cash withdrawal if the client has problems using the card abroad. The reason may be the loss, theft of the card or a technical failure. In such a situation, you can withdraw an amount from the card that does not exceed the amount of available funds and does not exceed $5,000.

Withdrawal without interest

Operations for which you do not need to pay any bank commission are non-cash payments. This is often used by Sberbank customers to receive cash without commission. A fairly household option is to make a purchase by bank transfer for relatives or friends, for which they return cash.

There are practically no other possibilities. Even when buying a product in a store and then returning it, the money is usually returned in the way it was received (that is, if the product was paid for by a card, the refund will be made to it). In addition, Sberbank, like most other banks, does not allow you to transfer money from a credit card to debit cards, accounts or wallets. This is clearly stated in the terms of the loan product agreement, therefore, it is possible to receive cash from the card only by paying a commission to the bank.

Cash withdrawal ban

The reasons may be the following:

• the card was blocked due to incorrectly entered PIN-code in the amount of three times. A day later, it automatically unlocks, during this period it is not recommended to try to withdraw money so that the card is not seized;
• the client allowed overdue debt on any Sberbank loan product. The credit line agreement states that the bank has the right to withdraw money from the client's accounts in favor of other products in case of violation of the terms of the agreement;
• a court decision has been issued, on the basis of which the money can be blocked;
• there is a message from an employee of the outlet that the client has forgotten the card;
• doubts of the security service of Sberbank about the legitimacy of transactions with the card.

To unblock, you should clarify the reason by calling the bank's hotline +7 495 500-55-50 or in person at the branch. When the card is unblocked, the client, if necessary, can withdraw cash from it under standard conditions.

Credit cards are used not only for non-cash payments, but also for receiving cash. Consider how you can withdraw cash from a Sberbank credit card and the envisaged commission fees for the operation.

There are several ways to get cash from a bank card, and each of them has its own nuances.

A feature of a credit card is the ability to use borrowed funds at any time, without applying for a loan, within a certain limit. The bank's offers for this product are very loyal - up to 600 thousand rubles for products of various formats. A prerequisite for the issuance is the ability of the client to confirm his income, on the basis of which an individual loan amount is assigned. In the absence of such, Momentum format products are recommended, but they have a limit of up to 120 thousand rubles.

Ways to withdraw cash from a Sberbank credit card

The main use of a credit card is to pay for purchases and services in a non-cash form. It also has additional features:

1. Carrying out operations through remote services in an independent mode.
2. Online shopping on the Internet on trading floors and websites of online stores.
3. Setting up templates for regular automatic payments.
4. Use abroad to receive cash.
5. Replenishment of the card account by any options, including from your own debit account or from another person.
6. Use of discounts from Visa and MasterCard companies.

With a credit card, you can pay for purchases and enjoy discounts from stores

Cash withdrawal fee

If it is necessary to withdraw cash using a Sberbank credit card, how much will be charged for the operation does not depend on the format and class of the product. The commission for today is:

• 3% - through the cash desk in any branch, incl. in a subsidiary outside the Russian Federation;
• 3% - through a Sberbank ATM;
• 4% - through services and cash desks in other financial institutions.

When withdrawing a small amount, the minimum amount in monetary terms is provided - 390 rubles. For a product of the Momentum class, it is equal to 199 rubles.

Existing cash withdrawal limits

Assumes a Sberbank credit card and a cash withdrawal limit. It depends on certain parameters, the main of which are the type of product and the method used to perform the operation. For MasterCard Standard and Visa Classic cards, these restrictions are expressed in the following parameters per day (days are determined according to Moscow time):

1. Through the cashier in the branch: 150 thousand rubles.
2. Independently through an ATM: up to 50 thousand rubles.
3. In other ATMs and cash desks: up to 150 thousand rubles.
4. The total daily limit, regardless of the withdrawal method: 150 thousand rubles.

For cashing out funds from credit cards, the bank charges a commission of 3-4%

Like any product of the international format, credit cards make it possible to urgently receive money. The service is valid only when the client is outside the country. In the event of a technical malfunction, loss of plastic, or for another reason, when it is not possible to use it, it is allowed to contact the bank branch for a one-time emergency receipt of money. You can choose any method of contact, incl. sending the application by fax.

The maximum withdrawal amount is up to $5,000 or the full balance on the card if it is less than the specified amount. It is permissible to choose a different currency to receive, the recalculation takes place according to the current exchange rate. The cost of the service for a Classic format card is 6,000 rubles. The advantage of Gold plastics in this situation is the absence of a commission for such an operation.

Withdrawing cash from a Sberbank gold credit card

The conditions for cashing out for the Gold-card are similar to other products, but wins in the size of the restrictions:

• When visiting a branch in person (through a cashier): up to 300 thousand rubles.
• When receiving remotely through self-service devices: up to 100 thousand rubles.
• In other banks and through their ATMs: up to 300 thousand rubles.
• Total per day: no more than 300 thousand rubles.

Gold cards have more features, including size limits

Getting money from an ATM

Withdrawing cash from a Sberbank gold credit card, from a classic or instant, is the same. The client has several options. The fastest and easiest way is to use an ATM.

Step-by-step instructions on how to withdraw cash from an ATM

1. Check the status of the ATM: the screen should display a greeting and the inscription "Insert card". The window designed for this is highlighted in green.
2. Insert the plastic according to the instructions on the machine, magnetic tape down. If inserted otherwise, the equipment will not accept the product.
3. Old-style devices offer to first determine the language. You must click the button next to Russian.
4. An empty column will appear asking you to enter your pin code. It should be entered by numbers on the ATM keyboard. On the screen they will be displayed encrypted: XXXX. If an error was made while entering, a notification will appear. The set should be repeated.
5. In the first menu that opens for the client, it will be proposed to check the balance, withdraw funds and a list of other available operations.
6. If you do not need to check the balance, select Withdraw cash.
7. The program will prompt the client to choose the amount from the options offered or enter his own by clicking Other.
8. Once you have determined the size, click Continue.
9. The percentage for cashing out funds will be indicated in the appropriate column.
10. The machine will ask if the customer needs a receipt. If desired, you can get it and save it. It is recommended not to throw away the check in the trash to prevent fraudsters from using the information on it. It does not contain secret data, but in some cases you can use plastic if you tell the operator the amount of the last operation.
11. The equipment will give the card and dispense cash.

If the ATM does not dispense the required amount, click on the Other amount column

If the ATM freezes or was de-energized at the time of issuance, you should not worry. After the resumption, money and plastic will be placed in a special compartment, the operation will be canceled, and the funds will be credited back to the account. You can pick up the card at the branch by submitting an appropriate application.

Getting cash at the checkout

If you need a larger amount than is determined by the limit at the ATM, or the client finds it difficult to use the machine on his own, it is worth visiting a bank branch. The client will need a passport and a Sberbank credit card to withdraw cash at the cash desk.

Turning to the employee, you need to give him a passport and voice the card number. The manager will make a reconciliation (identification) to identify the authority of the client. After that, you will need to voice the amount. The operator will make a withdrawal from the account, indicate the amount of the commission in monetary terms and redirect the client to the cashier. Here he will receive the money in the desired amount and a check indicating the bank fee for the operation.

Features of obtaining

This option has several disadvantages compared to the previous one:

• The need to physically visit the department.
• If there is a queue, you will need to wait indefinitely.
• You must have your passport with you. Without it, the operation will not be carried out.

To receive cash, you need to go to the branch and have your passport with you.

Favorable way to withdraw money

Cashing out credit funds is not a profitable operation due to the high commission. Today there is an opportunity to "deceive" the bank and withdraw funds at a more favorable rate. This method is suitable for customers who have an electronic wallet and a debit card linked to it.

You can use this method of cashing out according to the instructions:

1. Make a transfer from a credit card to a Yandex Money, WebMoney, QIWI wallet.
2. Transfer money from wallet to debit card.
3. Withdraw funds from the card at an ATM.

Cash withdrawal fee

Before using this option, it is worth evaluating all the fees charged for each procedure. Electronic systems usually charge about 0.75-0.8% for a transfer, which is undoubtedly more beneficial for the client. The operation is registered as a payment, so the grace period for repayment begins to operate.

Depending on the system used and the option of linking a debit card, replenishment of the latter can occur free of charge or for 0.8%. Thus, under the most negative conditions, the client will lose 1.6%. When withdrawing through a cash desk or ATM, you do not need to pay anything if you meet the daily limit. If you need to withdraw an amount that exceeds the limit, 0.5% will be charged.

This method is suitable for the holder of a Visa Gold (Sberbank credit card) to withdraw cash in large amounts without loss in paying bank fees and with the ability to exceed the limit. Or another client who wants to take advantage of the opportunity to save money on cashing out.

Conclusion

The main purpose of a credit card, like a loan, is to use borrowed funds from a bank to purchase goods and services. Due to the simplicity and speed of registration, most citizens prefer credit cards. The Bank has provided certain restrictions for those wishing to cash out the funds available on the card account: a limit and a high commission fee have been set for cashing out operations.

As you know, one of the main advantages of a credit card is the availability, during which you can not pay interest to the bank for purchase transactions made at the expense of the bank in the amount of the credit limit provided to you. However, simply withdrawing cash from an ATM or transferring credit money to your other bank account just won’t work: very often, grace does not apply to such transactions, and besides, the bank takes a considerable commission for itself. The type of operation on the card is determined by the point at which this operation was performed. It depends on the MCC how the bank will react to your payment: it will reward you with bonuses, generously leave it in grace, or severely punish you with a fine.

Why cash out? One of the classic uses of cash is to place it on short-term deposits and income cards and receive interest on the deposit. The most famous and probably one of the first profitable cards is Tinkov's black debit card with free replenishment from a bunch of payment systems and from cards of other banks, good interest on the balance, free delivery, commission-free cash withdrawals at any ATMs, cashback, free interbank and so on and so forth. In addition, TCS cards are used in most credit card cashing schemes. In general, this card should be in the wallet of everyone who is more or less thinking about their finances.

You can also use the funds drained from a credit card as an interest-free loan for an expensive purchase or as working capital for a small business. In this article I will try to briefly describe the main ways to "withdraw" cash from credit cards.

1. Cash withdrawal at an ATM

Yes, yes, the very first way is a simple cash withdrawal. The fact is that many banks extend a grace period for cash withdrawals (Alfa, PSB, Bank of Moscow, MDM, VTB), and sometimes even spend promotions of unheard-of generosity to cancel withdrawal fees. For example, not so long ago, Promsvyazbank carried out such a “free” action:

Do you want to use the "Supercard" and not pay a commission? Now it's possible! Withdraw cash absolutely free during the promotion period. The promotion period is from August 15 to September 15, 2014. Each owner of the "Supercard" can take part in the action.

During the campaign, we cancel the commission on the "Supercard" for cash withdrawals at ATMs of Promsvyazbank OJSC and partner banks, as well as at the offices of Promsvyazbank OJSC. Commission is not charged when withdrawing both own and borrowed funds.

Of course, this is a very rare case, but it happens, you need to use it if they give you such a freebie 🙂

2. Electronic wallets

Scrolling credit cards through electronic wallets - the most common type of cashing out. Qiwi (“poultry fruit”), Yandex.Money (“Poison”), Eleksnet (“el”), RBC-money (“fish”), Dengi.MailRu (“soap”, let the earth rest in peace) and many other payments provided and continue to provide us with a huge number of opportunities to drain credit limits. At the same time, the most promoted Webmoney wallet is almost never used in schemes, since there are no commission-free operations in it at all.

Electronic payment systems are constantly tightening the screws, cutting off free methods of depositing or withdrawing funds from balances. For example, in Qiwi's personal account, a commission is taken both for depositing from cards and for withdrawing to cards, but nevertheless, there are ways to make a free deposit with a good MSS, and a free withdrawal.

3. Wallet cards

One of the most common ways to withdraw money from an electronic wallet without loss is to use bank cards issued by these payments. Cards can be either virtual or regular plastic visas and mastercards. Of course, simply withdrawing cash from such cards without loss will not work, but using the methods described below is quite realistic and is very often used. For example, the soap card helped a lot.

4. Spacer cards

The most commonly used laying cards are RNKO cards: Corn, and others. Their main advantage is the possibility replenishment of the account from other cards directly in your personal account, as well as withdrawal without commission to the accounts of some banks (operations appear as loan repayment). Replenishment takes place as a moneysend (see below), and some banks allow you to moneysend in grace without commission. Another (if not the main) advantage of these cards is the bonus systems that allow you to wind up very good goodies on these cards.

5. ATMs and payment terminals

Another tidbit for the cashier are the so-called "pedestals" - ATMs and payment terminals. In cabinets, you can find the possibility of replenishing electronic wallets or repaying loans in other banks (read transfer to any bank account) without commissions and with a good MCC. The most classic example is the replenishment of Poison at Sberbank ATMs with "telecommunications". By the way, this code is most often found in thumbs.

6. Internet banking and mobile banking

It may not seem strange, but some banks themselves provide the ability to drain their own credit cards directly in their own online banks, personal accounts or mobile applications. For example, Raiffeisenbank has recently introduced fines for transactions with “quasi cash” characteristics, which include, in particular, transfers to electronic payment systems. However, in their own IB you can easily transfer money to poultry fruit without any commissions and to grace, though in a limited amount. Tinkov, with transactions less than 500 rubles, allows you to transfer money without sanctions from your credit card to your own debit card or mobile wallet. And home credit even gives bonuses for some of these operations!

7. Transfers from card to card (manisend)

Not so long ago, it was impossible to transfer money by card number, you had to know the account number and bank details of the recipient. Everything has changed with the advent of technology Mastercard Moneysend and Visa Money Transfer. Now it is very easy to transfer money from card to card, knowing only the number, and in some cases, crediting occurs almost instantly. The MCC of such operations in the vast majority of cases will be 6538 for the manifest and 6012 for the VMT.

Transfers can be made both on the Internet and in a large number of ATMs. Be careful, commissions can be taken directly by the service that makes the transfer, by the issuing bank of the sender's card for outgoing money send, and even by the bank of the recipient's card for incoming money send. Nevertheless, some banks are loyal to such transfers and carry out these operations in grace and without commissions, for example, Russian Standard and MDM.

8. Virtual cards

Virtual cards are called cards that do not actually exist, there are only their details. It is very convenient to use them for payments on unfamiliar sites: I released a virtual machine, replenished it with the required amount, paid, and closed it. There is no risk that an unscrupulous site administrator will write off extra money from the card. There are virtual machines in almost any bank and in many payment systems. In some banks, you can link a virtual machine to a credit card account and use it to bypass cashout bans. Sometimes you can pay for a virtual card with a credit card, and then drain the funds from it. Also, virtual cards are used by payment systems and mobile operators.

9. Money transfer systems

Sometimes money transfer systems are used in cashing out schemes: Contact, Unistream, Leader and others. The transfer is sent either using a card or through an electronic wallet, money can be received in cash at any branch. Usually transfers are made with a commission, but sometimes there are promotions with the cancellation of commissions. For example, soap at one time announced a campaign for free Contact transfers in Russia, as a result, a lot of people sent free transfers to themselves, bank tellers were very surprised.

10. Acquiring

Another way to cash out credit cards is to scroll through acquiring, that is, scroll through a payment point in agreement directly with its owner. In most cases, this method is unprofitable for the owner of the outlet: the bank that provides the acquiring service takes its commissions, and the topic of taxation also arises. Nevertheless, this method has a place to be, especially with the advent of one interesting topic, which I will keep silent about for now.

11. Mobile operators (aka opsos)

Our mobile operators have long been not limited to fulfilling their immediate duties, that is, providing us with high-quality mobile communications. The big three opsos who have captured the market are actively engaged in the development of other types of business, in particular in the financial sector. Beeline became a pioneer, introducing the technology of paying for goods and services from the balance of the phone "Mobile payment". Then it seemed something on the verge of fantasy: to pay a communal apartment from the phone! MTS and Megafon, of course, also could not stand aside, tying virtual and regular cards to the balances. There have been and still are many ingenious schemes for cashing credit cards through sim cards opsos with getting buns. Well, the last noisy event was the cooperation between Megafon and Qiwi with the possibility of free transfer of the balance to the wallet, a complete freebie!

Opsos can also be used by contract termination and refund of unused funds. There is a law that allows this. The downside is the long term for considering an application for termination, sometimes up to two months.

12. Prepaid Gift Cards

Some banks issue gift cards that can be purchased from bank partners, such as stores and malls. The scheme is quite simple: we buy a gift card with a credit card, we get buns for it, then we drain the money from it with a manisend to our account. Russian Standard is especially keen on this. home the goal is to find retail outlets for these cards not bank branches. Then we will get a good MSS.

13. Exchangers of electronic currencies

Quite an exotic way, but nevertheless I myself once . Of course, exchangers usually charge predatory commissions, because they live on this. Nevertheless, using them as one of the links in the chain is sometimes very justified. In some services, you can buy electronic currency directly from the cards, in some they give a good discount for cash and volumes. The risk must be taken into account money changer is not a bank and not a payment, your money may be lost and it will not be easy to get them out.

14. Third party companies (forex brokers, bookmakers, etc.)

I have already written about the scrolling of credit cards through forex brokers many times. Other "offices" directly related to financial activities, such as bookmakers, can also be used as transit points. At the same time, most companies do not allow withdrawing funds without their intended use for a certain time, and also try to comply the rule "from where I entered there and withdraw" to combat money laundering and illegal circulation of funds. But often you can, for example, deposit funds from one card and withdraw to another. Often, in order to attract customers, the input-output of funds occurs with small or completely zero commissions, it remains only to find a good plush MCC when depositing.

15. Return of purchases

This method is considered indecent for a real fan of spinning credit cards, but I also decided to mention it. It's simple: you buy an expensive product or service (for example, booking a hotel with free cancellation), and after a while you make a refund, preferably to another card (of course, to a debit card). At the same time, you get bonuses and cashback. It is not always possible to change the card upon return, but under the pretext that “already passed it” or “expired”, it is sometimes possible to pull off this scam. Not entirely legal, of course.

There is a kind of absolutely legal return when it occurs on the same card, but the buns are not written off. This has been observed, for example, in Maize operations with Double Benefit. Or another interesting life hack: let's say a bank sets a 5% cashback for the tourism sector this month. At the end of the month, we book an expensive hotel, we get 5% for it, and we cancel the reservation the very next month, when the cashback for tourism is 1%. As a result, 1% cashback is written off upon return, and 4% is our profit!

16. Group purchases

Children's scheme: we pay for someone with a credit card, we get buns, we take cash for ourselves. This is especially true if you have any permanent large object of spending. For example, one of my acquaintances pays for about 40 NTV-Plus points with a credit card for his organization, the volumes there are quite decent. You can pay, for example, a communal apartment for the entire dacha partnership or a garage cooperative.

Look like that's it. If I forgot something, write in the comments, we will add. Perhaps there are still ways unknown to me that I don’t know yet, but I’ll definitely find out!

All profit and goodies!

Issuance of credit cards is one of the most popular and demanded types of banking services. However, like any other service, the bank provides loans with a certain percentage. In addition to the main purpose, non-cash payment for purchases, you can cash out money from a credit card without commission, if you follow certain rules.

A credit card is a banking product with an established limit on the use of a certain amount of bank funds and the collection of commissions. During a certain period, the bank makes it possible to use funds without accruing interest, subject to the full return of the amount borrowed from the bank before the expiration of the so-called grace period.

However, with regard to cashing out funds from the card, the situation looks different: interest accrues from the first day of use, and a rather significant commission is deducted from the account when cash is issued.

The commission is usually set as a certain percentage of the amount, or a withdrawal limit is set and a fixed fee is charged. In the latter option, cashing out is especially unprofitable if the withdrawn amount is small.

Using a credit card to issue cash is an exceptional measure, since the main purpose of bank plastic is to carry out non-cash transactions.

A credit card is issued to a borrower to perform the following operations:

• payment for goods in retail stores and services of various organizations;
• communal payments;
• replenishment of a mobile phone account;
• Money transfers;
• payments in online stores, other options for online payments.

Thus, when applying to a bank for a credit card, you should remember that cashing out is not included in the list of basic services of a financial institution.

However, the holder of this type of plastic can reduce the cost of withdrawing or do without additional fees if you know how to cash out a credit card without interest.

If you plan to withdraw borrowed funds in cash, the borrower needs to inquire about the terms of cashing out and the possibility of doing this without interest while still in the process of issuing a card.

Each credit institution has its own tariffs for this service. When choosing a credit card issuing bank, you should find out what conditions are provided by different organizations:

• Uralsib allows you to withdraw money from the card, charging 2.0% of the amount, but not less than 300 rubles;
• HomeCredit- 4.9%, but not less than 100 rubles;
• Trust- 4.9%, not less than 290 rubles;
• Tinkoff Bank– if the amount exceeds 300 thousand rubles (3 thousand per withdrawal), the commission for cash will be 2.0%.

Some banks do not impose commission requirements, allowing you to withdraw funds at no additional cost. These organizations include Raiffeisen, Soyuz, Nordea. However, in the last two banks, no grace period is provided.

Despite the restrictions associated with cashing out, you can find the most convenient way to withdraw money from a credit card without a commission and bypass the requirements of the bank on completely legal grounds:

1. Promotional offers. Very often, when a borrower receives a credit card, he will soon receive an SMS notification that during a certain period the bank allows you to withdraw cash absolutely free of charge. Such promotions are held by many large financial institutions: Alfabank, Promsvyazbank, Bank of Moscow, VTB, etc. Of the minuses of this option, it should be noted that it is impossible to predict when such a promotion will be held and whether it will be provided at all.
2. The use of special cards, such as "Corn", "Beeline", etc. Such plastic products provide for quick replenishment through the user's personal account, as well as the possibility of an interest-free transfer to other cards using special sections designed to repay the loan. Thanks to this feature, you can withdraw money from a credit card without interest during the grace period. Among other things, you can use various bonuses provided by the bank when performing transactions (accrual of bonus points, miles, etc.)
3. For some credit cards, it is possible to withdraw funds through an ATM or terminal according to the replenishment scheme using the telecommunications code MCC 4814 (for example, when replenishing a Yandex.Money wallet).
4. Even within the same bank, you can withdraw from a credit card without paying the required percentage for this, using a personal Internet account or a mobile application. An example of such a method of withdrawing from a credit card to a debit plastic or an electronic wallet is Tinkoff Internet banking. The condition for an interest-free withdrawal will be the size of the transfer no more than 500 rubles.
5. Application of money transfer systems such as Contact, Unistream and others. You can withdraw money from the card through a transfer, using electronic wallets, and cash is received at the branches of payment systems. You should be careful - fees for the services performed may be charged for the transfer of funds by the payment system.

Less popular, but also providing benefits in the form of getting rid of interest, are a few more options:

1. Purchase of gift cards of various partners of the credit organization. This can be done in large retail chains, and then the money is transferred to debit plastic via a regular transfer. Such proposals were especially popular in Russian Standard. The main difficulty is to find a point of sale of such gift cards among retail outlets, excluding purchases at the bank itself.
2. The use of electronic currency exchangers is also rare, but the option is quite feasible and leads to savings in interest on withdrawals. Using the exchanger, you need to be prepared for the additional commission of the exchanger itself. Electronic currency is purchased using borrowed funds from plastic, while some services provide a good discount when cashing out and for a large amount.

The simplest cash out schemes

The refund of the amounts spent on purchases in the store is the easiest way, which does not require special knowledge in the use of electronic wallets, Internet banking, etc. Anyone who paid by credit card in the store and then decided to return the goods can use it. The amount spent for an expensive purchase is returned from the cash desk or to the details specified by the buyer.

A similar scheme is applicable for online payment for services with further cancellation (for example, hotel reservations, if the conditions allow for free cancellation).

There are difficulties in implementing this scheme. Sometimes the seller may refuse to grant a return request due to the nature of the product, expiration date, return period, etc.

Despite the difficulties in resolving the issue of a refund, this method allows not only to receive cash for the amount of payment, but also to receive additional profit in the form of bonuses and cashback. It is especially beneficial to pay for goods with a further refund if the operation was carried out during the increased cashback in a particular area. For example, you can pay for a hotel reservation during a high cashback promotion and then cancel. As a result, you can earn on the accrual of additional interest and return the money according to the details of the debit account.

Another simplest option is non-cash payment for services or goods for third parties with a further refund in cash from those in whose interests the payment was made. The simplest example is the purchase of a product in a retail store or the Internet and transferring it to the customer for cash. Some agree on payment for several persons for cellular services, television, the Internet, utilities, etc.

Both of the above schemes require mandatory compliance with important conditions:

• the presence of a connected grace period;
• repayment of the used loan before the end of the grace period.

Cashing out of funds is often associated with the use of virtual wallets, the use of electronic payment systems. Therefore, it is important to figure out how to cash out money from a credit card using a scheme with withdrawal through payment systems.

Description of the procedure for withdrawing funds through Qiwi

Qiwi is one of the most popular virtual wallets. Knowing how to use it correctly, you can transfer funds at any time and without any risk to the borrower.

A prerequisite for the implementation of the scheme is registration in the system and the availability of an electronic wallet. Following a simple and detailed instruction on how to withdraw money from a credit card, withdrawing funds will not be difficult:

1. Register in the Qiwi system. To do this, you will need to enter information about the contact phone and other contact information.
2. After registration, funds are transferred from the borrowed plastic to the wallet of the payment system.
3. From the personal account of the user of the Qiwi system, a transfer is made according to the details of the debit plastic. When performing this operation, the minimum percentage will be withdrawn (0.75% of the transfer amount).

Since this operation is regarded by the creditor as a non-cash payment for a product or service, the plastic holder has an unused grace period during which it will be necessary to replenish the card account again.

After the funds are credited to the debit plastic account, you can safely withdraw funds without worrying about the commission, and use cash during the entire grace period.

A credit card is the most convenient lending option, allowing you to use the bank's funds with maximum benefit for yourself, provided that the debt is returned to the bank during the grace period. Using one of the schemes, you can use the cashed out funds, while maintaining the benefits of an interest-free period of use.

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