Raiffeisen transfer to another bank account commission. Money transfer at Raiffeisenbank. But many cards have limitations
Raiffeisenbank has existed since 1996 and since then has been providing money transfer services to its clients. It is possible to make a transfer from a Raiffeisenbank card to a card both in Russia and in foreign currency. Do this easily in a way convenient for you. It is possible to transfer money between cards of any bank equipped with data protection (with international systems “Visa” and “MasterCard”), traditionally at an ATM, at the nearest bank branch, or simply and quickly on the website in Internet banking R-Connect. To do this, it is enough to know either the card details or the recipient’s details.
Commission for transfer from a Raiffeisenbank card to a card of another bank
Services for transferring funds are paid. The commission for a transfer from a Raiffeisenbank card to a card of another bank is included in the amount of the transaction debited from the sender’s card. The commission for transfers from debit and salary cards to cards of other banks is 1.5% of the amount, the minimum cost of the service is 50 rubles or 1.5 $, €. It is important for Raiffeisenbank cardholders to remember that transactions are not carried out on payment cards issued by foreign banking organizations. Transferring funds from your cards opened with a third-party bank to a Raiffeisenbank card is carried out instantly and without commission.
Transfer limit from card to card Raiffeisenbank
The transfer limit from card to card of Raiffeisenbank concerns the amount and number of transactions. The smallest amount of one transaction is 50 rubles or 1 dollar/euro. A largest amount one transaction is 75,000 rubles or 500 $, €, the maximum transfers per day is ten, and for four calendar days in a row - twenty. The limit is imposed on total amount transfers: for four calendar days in a row - 200,000 rubles or 4,000 $, €. The limit on the amount of transfers per month is 600,000 rubles or 12,000 $, €. Money sizes transfers are included in the amount of the daily and monthly spending limit for cash withdrawals.
Terms of transfer from card to card Raiffeisenbank
According to statistics, the average time for one transfer service takes from five seconds to five days. Without visiting a bank branch, you can quickly and conveniently make absolutely any card transactions, including transfers. Thus, the Internet banking service reduces the transfer time from card to card of Raiffeisenbank several times and, thanks to the service instant transfers, allows you to instantly and without commission (between Raiffeisenbank cards) transfer your cash without leaving home. When transferring to cards of third-party banks, the period may be extended to three business days.
Cancel card-to-card transfer Raiffeisenbank
If there is a need to cancel a transfer from card to Raiffeisenbank card, you will need to go to a bank branch with a passport or other document confirming your identity, where you will be asked to write an application to cancel the incorrect transfer. Competent branch employees will advise you and suggest further actions. Be careful when entering the card number or recipient details, since it is not always possible to cancel a successfully completed transaction and you will need to contact the card owner to whom you mistakenly sent your funds.
Online money transfers without visiting a bank office or using third-party payment systems allow you to carry out transfer operations almost instantly. This greatly simplifies life, but requires knowledge of the specific conditions under which it is provided this service. When it comes to Raiffeisenbank, transfers from card to card can be made in several ways at once.
Features of card-to-card transfers at Raiffeisenbank
The translation service provides the opportunity to:
- Make transfers from Raiffeisenbank cards to cards of other credit institutions;
- Transfer funds to cards in three different ways: using an ATM, website or mobile application. It is also possible to contact the nearest office of the organization in person;
- Transfer money from a card of any other bank to a Raiffeisenbank card (only cards of the VISA and MasterCard payment systems participate);
- Transfer money from cards of other banks to Raiffeisenbank cards;
- Save payment data in your personal account;
- Transfer money to clients of a given credit institution by phone number or email address;
- Make transfers using debit cards no commission;
- Send money to Russian rubles, US dollars or euros with automatic conversion.
It is worth remembering that transferring funds using online systems is only possible on cards issued by Russian credit institutions. In other cases, you will need to go to a branch of a credit institution and carry out the standard procedure for transferring funds, indicating the recipient’s details.
Limits on funds transfer
Restrictions on fund transfers are set on the number of transactions - no more than ten per day and twenty in four calendar days. The amount per month should not exceed 600,000 rubles (12,000 dollars/euro), one-time - no more than 75,000 rubles (500 dollars/euro), for four calendar days - no more than 200,000 rubles (4,000 dollars/euro).
At the same time, other restrictions apply to transfers from other cards: for one transaction - no more than 150,000 rubles (2,500 dollars/euro), for 4 days - up to 300,000 rubles (up to 5,000 dollars/euro), for a week - up to 500 000 rubles (9,000 dollars/euro). The monthly limit remains the same.
In the case where Raiffeisenbank is the recipient of the transfer, no commission is charged, but it can be withdrawn from the sender’s account if this is provided for by the conditions of the bank that issued the card from which the transfer is made. When transferring from a debit or salary card Raiffeisenbank to a card of another bank, the account will be reduced by 1.5% of the amount sent (at least 50 rubles). If used for enumeration credit card, the commission will be a fixed 300 rubles, increased by 3% of the amount.
Each bank card is assigned its own cash withdrawal limit. Online transfers from card to card at Raiffeisenbank are included in these restrictions, reducing the amount of cash that can be withdrawn from an ATM.
How long does the translation take?
In procedure online translations money to a Raiffeisenbank card can accept cards from any bank of the VISA and MasterCard payment systems. Transfers between the VISA payment system are made instantly, only sometimes there may be delays of up to five minutes. Starring payment system MasterCard may have a delay of up to two days.
At the same time, the bank warns that payments accepted before 20.00 Moscow time are sent on the same day, and later payments made on Sundays are sent on the next business day. The latter does not apply to transfers between clients of a given bank - in this case the money is credited instantly.
Important!
It is worth remembering that transfers to Maestro cards by the online service of this credit institution are not made without an account number and bank details. Therefore, the delivery time for a transfer to a Sberbank card from Raiffeisenbank can be up to five days.
How to cancel a card-to-card transfer in Raiffeisenbank
Sometimes situations arise when a payment is sent incorrectly. Online cancellation is possible if the transaction is at the “Registered” stage. After the code from SMS is entered to confirm the payment, it goes to the “Completed” stage.
You can correct the situation by personally contacting the office of the credit institution to whose account the payment was sent. If the client made a transfer from a Raiffeisenbank card to a card of another bank, he should immediately go to the branch of the bank where the payment was received. WITH specialists will accept the application, the processing time of which depends on the rules in force at the bank. If an incorrect payment was received into the client’s account at Raiffeisenbank, the decision on it will be known the next day after submitting the application.
At Raiffeisenbank you can increase the standard limit on withdrawals and transfers of funds. To do this, you need to contact the nearest branch with an application. After review, employees of the credit institution will report the result. If approved, the limit may be increased by 100,000 rubles per four-day reporting period.
Thus, transferring from card to card in the bank described above is considered a fairly simple process, which absolutely every client can cope with. The funds arrive on your credit card quickly enough, so you don’t have to wait long.
Today, a situation is increasingly common where one person is a client of various banking organizations and owns their products. In such cases, it may be necessary to transfer money from a Sberbank card to a Raiffeisen card or another bank. Remittance you can make it through online banking, an ATM, or by contacting an employee.
select the item “Transfer to a client of another bank”;
indicate the card number issued by Raiffeisen; 
click on the plastic card from which you want to debit funds;
enter the transfer amount;
check that the form is filled out correctly;
click the “Translate” button;
Confirm the operation using the password that will be contained in the SMS received on your cell phone.
Important! If you need to make the transfers in question constantly, you can use the “Template” option; in this case, you will not need to enter the details and fill out the form each time. If the payment amount changes, this field is subject to adjustment.
go to the line “To another bank”;
press the “By map” button;
indicate the amount;
check the correctness of filling;
click “Translate”;
At bank branches
Money transfers between many banking organizations can be made with the help of a specialist. To do this, you need to visit the bank and contact the cashier. When it comes to transfers from a Sberbank card to a Raiffeisen card, this method cannot be used.
What difficulties may arise
Difficulties that arise for bank clients when performing the payment action considered are associated with the period during which the money must arrive in the recipient’s account. When a person sends funds, he hopes that the transaction will be completed instantly, forgetting that the bank has set a maximum period of five business days.
More and more people are purchasing products using several banks at the same time. Or users of one credit institution need to transfer money to the account of a relative or friend who has an account with another bank. You should consider how to transfer money from a Sberbank card to Raiffeisen Bank cards.
Methods
Sberbank of Russia is trying to use all means and opportunities non-cash transactions, therefore, it is possible to transfer funds to a Raiffeisenbank user account in several ways:
- Sberbank Online;
- mobile app;
- using the terminal.
Such transactions are not carried out through the department. Transfers from a card to a client’s account are carried out under certain conditions, which will be the same for all methods:
- Money is sent in rubles.
- The execution of your request will take from 5 to 10 minutes.
- There are restrictions on the amount - up to 30 thousand rubles. for one operation, while the daily limit is up to 50 thousand rubles for Visa or Maestro payment systems, and up to 150 thousand rubles for all others.
- Once confirmed, cancellation cannot be carried out.
A commission amount will be deducted from your account, which is 1.5% of the transferred funds, but not less than 30 rubles.
In this case, the money reaches the user within 5 working days. Before this period, if the recipient has not seen the funds, contact technical support pointless.
Sberbank Online
When asked if it is possible to transfer funds to third party bank, the answer is described above, consider one of the methods bank transfer through the on-line system.
To make a transfer to a friend using a card number, do the following:
- Please login to login Personal Area by entering your login, password and code from the SMS message.
- Select the payments section, there click on transfer to a third-party bank card.
- Enter number.
The transfer takes up to five working days, usually crediting occurs instantly.
Mobile app
Smartphone owners use a mobile application, through which it is also possible to carry out various operations.
To make a payment, do the following:
- Log in to the application and go through user identification.
- Go to the payments section and select a transfer using a third-party bank card number.
- To complete the transaction, enter the recipient's card number or account.
The method of using the mobile application is identical to the option through your personal account.
Use the terminal
There are many terminals installed in Russian cities. How long will it take to receive funds? Up to five working days.
To top up a client’s account at another bank, follow these steps:
- Insert your card into the terminal;
- In the main menu, select payments;
- Click on transfer funds;
- Enter the card number where you are sending money.
- Take a receipt, which will be the guarantor of the completed transaction (online services save the history of transactions).
In these ways and with minimum commission you can make a transfer to a Raiffeisen Bank client. Select any option and follow the instructions.
Return transfer from Raiffeisen Bank to Sberbank
Not only can you transfer money from Sber to a client of another credit institution, but account holders in Raiffeisen can also send funds to a relative who uses the services of a third-party bank.
Moreover, this can also be done in three ways:
- Using a terminal;
- Using an ATM;
- Using the capabilities of your personal account.
IN in this case the commission will be 1.5% of the transfer amount, but not less than one hundred rubles. And when using the on-line service, you will additionally need to enter the code on the back of the card (CVC2/CW2). The process of receiving money takes a few minutes, but the period can take up to five business days.
In some cases, the commission for transferring funds can be higher, up to 4%, it all depends on the type of payment system to which you plan to send money. Through an ATM, the procedure is identical to the Sber option.
Thus, thanks to the development of the Internet, most transactions can be carried out through online services. Because everyone uses it credit organizations payment systems Visa, Master Card or Maestro, then payments between them are possible, only with different commission amounts.
Persons holding cards issued by one bank are entitled preferential terms to make a money transfer. For example, you can transfer money from one Raiffeisen card to another in a short period of time, and the operation is not subject to commission. You can make a transaction via the Internet, an ATM, telephone, or by contacting a branch of a banking organization.
click on the “Debit cards” section;
select the item “Transfer by number”; 
indicate from which account the debit should occur;
enter the recipient's plastic number;
enter the transfer amount;
check the correctness of the input;
Confirm the operation using the password received via SMS.
To check the status of the operation, you can use the section called “Order Log”. Once the transaction is completed, you will have the option to print a receipt and also save the template. This is necessary for those who make such transfers frequently.
log in to the site;
click on the “Online service” section;
enter the card number;
indicate its validity period;
enter your mobile phone number;
press the “Connect” button.
To carry out the operation, you do not need to have access to the Internet, since the transfer is carried out by sending a message to number 7722. In the text you must indicate: from “card number from where you want to write off money” to “recipient’s plastic number” “amount”. Commands are written separated by a space.
Important! In this case, there is a restriction for the minimum and maximum amounts sending. In the first case it is 30 rubles, in the second – 15 thousand rubles.
The transfer is not subject to a commission, but it is worth keeping in mind that finances may be debited from the phone in accordance with the tariffs established by the operator. A mobile application can also be used; its operating principle is similar to the instructions described above.
In case of personal visit bank branch you can use an ATM to make a transfer. Advantages this method are that you will not need to wait in line, as happens when you need to see a specialist. The operation looks like this:
insert the plastic into the device;
enter your PIN code;
select the “Money transfers” section;
click on the line “Transfer to Raiffeisenbank card”;
study the terms of the transfer and agree to them by pressing the appropriate button;
enter the card number;
indicate the amount of payment;
click on the “Translate” button;
you receive a receipt;
take the card.
The check must be kept until the recipient says that the money has been received. Using the method under consideration, you can also make a transfer to a client of another bank, withdraw cash, find out the balance of funds in your account, connect various options, pay for services, etc.
To make a transfer at a bank branch, you need to visit the office and get in line. Initially, keep in mind that the option under consideration will take up your time. Payment can be made using cash and non-cash payments. The process will look like this:
contact the operator;
inform that you need to make a translation;
indicate the recipient's card number;
report the transaction amount;
hand over cash or card;
check that the form is filled out correctly;
confirm the payment by signing or entering a PIN code.
After completing the transaction, the employee will give you a receipt, which you need to keep.
What difficulties may arise
Difficulties in this case are related to the timing of crediting funds. As stated, only when using the Internet the money immediately reaches the recipient. When using an ATM or visiting a bank in person, you need to keep in mind that the transfer can take several days.
Articles on the topic
