no commission if his ATM is not nearby? It is difficult for a single financial institution to completely cover a territory with a network of its terminals for withdrawing funds. Therefore, several banks agree on cooperation - in order to create additional convenience for their clients when servicing.

Partnership benefits

To simplify servicing bank card holders, financial institutions enter into partnership agreements that bring the following benefits:

1. 1 bank saves money on the purchase of expensive equipment and its maintenance;
2. 2 the financial institution significantly expands the territory of its presence with the help of a network of partner ATMs;
3. 3 the bank can not only retain old customers, but also attract new ones;
4. 4 the client enjoys preferential service without a commission for using third-party ATMs.

Unicredit Bank also uses this global practice of creating a partner ATM network for the convenience of its cardholders.

Important!

It should be borne in mind that there are certain limits for cash withdrawals.

Partner banks

Knowing the partners of your financial organization, it is not difficult to withdraw money from a Unicredit card without a commission at their ATMs - wherever it is convenient. After certain periods, the results of such operations are summed up for the implementation of mutual settlements between organizations.

Unicredit Bank has several partners:

1. 1 Uralsib;
2. 2 Raiffeisen Bank;
3. 3 Credit Bank of Moscow.

In addition, the UniCredit group is present in many European countries. In 17 countries, holders of banking plastic will be able to cash out using these ATMs without service fees. This opportunity allows Russians abroad to save a significant amount.

Important!

It should be remembered that a commission is always charged for withdrawing funds from a credit card. Without charging it, you can only withdraw cash from debit or salary cards.

Cashing out limits

When learning how to withdraw money from a Unicredit card without a commission, you need to take into account the limits on withdrawing funds for one operation. Each partner has their own. The smallest one is in Uralsib: 6,000 rubles. Credit Bank of Moscow makes it possible to withdraw 25,000 rubles in one transaction. And Raiffeisenbank allows you to withdraw up to 150,000 rubles.

Unicredit for partner banks also set a limit of 150,000 rubles for one cash-out operation, and a daily limit of 200,000 rubles. And in his own terminals for withdrawing money, the maximum limit is 50,000 rubles.

Important!

If the daily withdrawal limit is exceeded, the bank will charge a commission for the excess amount. This will amount to 1% for one operation, but not less than 300 rubles.

How to remove?

It is not difficult to cash out money from a card at partner ATMs. The procedure is the same as usual:

• Insert a credit card into the card reader.
• Dial the PIN code.
• Select the required one from the list of operations.

• Select the amount from the list that appears or enter your own.
• Follow other prompts, get money and collect your receipt.

There may be a warning about charging a commission because a third-party bank card has been identified. You just need to agree, because this is just a formality, but in fact, such a payment for services from the partner bank is not charged.

But sometimes alliances between several financial organizations break up, they begin to serve the clients of their former partners not on preferential, but on general terms and charge a withdrawal fee. Therefore, it is advisable to periodically clarify information about the relevance of the partnership at the time you need. This can be done at the bank's office, on its website or in the call center.

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In terms of the number and volume of active deposits, Unicredit is among the top 20 financial institutions in Russia.

Banks partners of Unicredit Bank help to expand access points for clients where you can withdraw money without commission. Such cooperation promises benefits for each of the parties:

1. The client gets the opportunity to cash out free of charge from his plastic card at the nearest ATM of the partner.
2. The financial organization increases its branch network, saves its own funds on the purchase of expensive software, devices, cash collection operations, etc.
3. The client base is being migrated and expanded.

Partnership terms

Since the bank occupies one of the leading positions in the country's economic market, has a significant share of foreign capital and is represented in more than 20 countries, it also enters into partnerships with large credit representatives. The list of banking organizations with which Unicredit cooperates includes 3 financial giants, these are:

• Uralsib;
• MKB (Moscow Credit);
• Raiffeisenbank.

Each partner offers preferential cash withdrawals through their own ATM network within clearly defined limits.

Unicredit has limited daily limits for receiving cash in the network of partner banks to 200 thousand rubles. For own ATMs, the maximum withdrawal amount was 50 thousand rubles.

Checking the balance of funds on the card through the devices of partners is included in the list of services and is also a free operation.

In cases where the customer uses a third-party ATM, an additional fee of 1% of the total withdrawal amount is charged. The commission limit is limited to 300 rubles.

A separate benefit for Unicredit cardholders, who are often on business trips abroad, will be the ability to cash out their own funds in the required currency through the UniCredit terminal in Europe (17 countries). The conversion operation is based on the rate on the day of withdrawal.

Thanks to the practice of concluding transactions among financial institutions, today banks partners of Unicredit Bank can offer a list of options where to withdraw money without commission. To use this function, cardholders only need to adhere to the limits on the amount of one-time and daily transactions, as well as choose the partner who can fully satisfy all their requests. A map of the location of ATMs and terminals that are available for free cash withdrawals is freely available on the official websites of partner organizations.

Cooperation between banks is a natural process of expanding the ATM network by merging into a single corporate system. Not only banks themselves benefit from such an alliance, but also their clients, who get the opportunity to cash out plastic cards at preferential rates - no commission. If you are a Unicredit Bank card holder, you probably wondered where, in addition to the "native" ATMs, you can quickly withdraw money? Let's figure it out.

Unicredit bank and its partners

Having started its activities in 1989, Unicredit Bank has focused on investment and lending. In a short time, the bank managed to enter the top 15 banks with the maximum share of assets.

Unicredit Bank cooperates with 19 European countries, and the total number of clients has exceeded 2 million. There are 102 divisions and a network of ATMs in Russia where you can withdraw money without commission.

The partner network of Unicredit Bank has expanded to the following financial institutions in our country:

• Raiffeisenbank
• PJSC "UralSib"
• Credit Bank of Moscow (MCB).

In practice, it looks like universal ATMs for all customers of the branch network. Conventionally, if the holder of a Unicredit payment card wants to withdraw money from the card, but does not find a terminal of his “native” bank nearby, he can use an MKB ATM on the same preferential terms as Unicredit Bank gives him.

Banking benefits from cooperation are seen in increasing ATMs and making a profit by serving clients of their partners. This is especially true for those people who use a credit card as "plastic" for storage and constantly cash out at ATMs.

Cashing of Unicredit bank cards without commission

Before withdrawing funds, you need to make sure that you are prepared for a possible commission from the bank. Like other institutions, Unicredit Bank charges a compulsory commission for withdrawing credit cards. Otherwise, the features look like this:

1. Withdrawing money through Unicredit Bank ATMs is completely free. If you use cash points (POP), you will have to pay a commission of 0.5% (but not less than 300 rubles) for one operation.
2. When cashing out funds from a debit card with third-party banks, the client will have to face a minimum commission - 1% of the withdrawal amount, but not less than 300 rubles. Similar prices apply to third-party cash points (for example, Alfa Bank, Gazprombank, VTB-24 or PJSC AK BARS).
3. Credit Bank of Moscow - will allow you to withdraw from ATMs no more than 25 thousand rubles per transaction.
4. Uralsib Bank has a limit of 6 thousand rubles prescribed in tariff plans.
5. Raiffeisenbank offers the most favorable conditions under which you can withdraw up to 150 thousand rubles at a time.
6. In ATMs of Unicredit Bank, the one-time limit is 50 thousand rubles. You can withdraw no more than 250 thousand rubles from the card per day. The monthly rate is limited to 1.5 million rubles.
7. Transfer to the account of another bank will cost a commission of 1% or an amount from 50 to 2000 rubles, depending on the nature of the transaction and the current tariff of Unicredit Bank.

Exceeding the daily limit will usually result in the bank charging a commission on the excess amount at the usual rate. In other words, the percentage will not differ from the margins of third-party ATMs and will be 1% or 300 rubles for one operation. Therefore, you should carefully monitor the balance of the card and take into account that Unicredit Bank has daily and monthly limits.

Any owner of a bank card at least once was a hostage of a situation in which it was urgently required to withdraw funds, and in the access zone there were any ATMs, except for the necessary one. At the same time, it is known that the terminals of competing banks necessarily charge commissions, which are sometimes obscenely high. However, not everyone can see how much the commission is. Often there is no information in the ATM menu about what the percentage for mediation will be. Forming a loyal attitude towards clients, small financial institutions have taken a course towards partnerships with larger banks that have a network of terminals for withdrawing funds throughout Russia. Thus, all parties won:

• the owner of the credit card stopped wondering where to withdraw money without commission and got the opportunity to be serviced not only at Unicredit bank ATMs;
• financial organizations expanded their territory of presence at the expense of partner terminals, saved funds for the purchase of expensive equipment, maintenance and services of collectors;
• partnerships not only allow retaining existing customers, but also attract new ones.

UniCredit Bank also supported the world practice. At the same time, each party to the agreement has certain conditions for cashing out savings.

ATM-partners of Unicredit bank without commission: the meaning of agreements between organizations

The meaning of bilateral agreements between financial structures is in the merger of banking terminals into one grid. As a result, cards of one organization can be serviced at ATMs of a partner organization without charging interest for intermediation. However, often partnership agreements are temporary. Therefore, it is better to clarify the details of the agreements in advance. This can be done in one of three ways:

• call the hotline of any of the partner banks;
• personally contact a financial institution;
• update the news feed on the banks' websites.

At the same time, it is not a fact that Unicredit partner banks without commission will have information on the tariff scale and withdrawal limits for their credit cards in third-party partner terminals. Perhaps the organization's client will be forced to double-check the data several times.

Structures with which UniCredit Bank has an agreement

UniCredit Bank is a commercial organization that has established itself in the Russian market since 1989. Today it is considered one of the largest with foreign participation. In addition, it is present in 20 Benelux countries. So, which banks does Unicredit Bank cooperate with? Three enterprises are considered to be long-standing Russian partners:

• Uralsib;
• Credit Bank of Moscow;
• Raiffeisenbank.

If the client has UniCredit "plastic", then there will be no commission for withdrawing funds at the ATMs of the listed organizations. Moreover, each bank has its own maximum limit for a one-time withdrawal of money. In Uralsib it will be up to 6 thousand rubles, in MKB - up to 25 thousand rubles, in Raiffeisenbank - up to 150 thousand rubles.

The oldest bank in Russia with foreign participation is UniCredit: partner banks of this financial and credit organization are located all over the world. UniCredit Bank holds General License No. 1 of the Central Bank of Russia.

Russian divisions of UniCredit Bank and its partners

UniCredit Bank divisions are located in all cities of the country with a population of over 1 million people. Currently, UniCredit Bank in Russia has 104 representative offices in 36 cities of the country, including 38 offices in Moscow. The bank's ATMs are located in all major cities. There is one representative office in Belarus, in Minsk.

Since 2013, partner banks of UniCredit Bank - Raiffeisenbank and Uralsib Bank - according to the agreement, provide their ATMs to UniCredit Bank customers without commission throughout Russia.

As a result, more than 6,000 self-service devices were combined into a single network:

Since February 2017, BinBank has also become a partner.

UniCredit partner banks without commission ensure receipt of cash from debit cards by UniCredit Bank clients in their ATMs. To holders of credit cards, foreign and Russian partners of UniCredit Bank issue cash in accordance with the tariffs established for this product by its issuer. If currency conversion is required when cashing out funds, then UniCredit Bank and its partners, including transactions through ATMs, will withhold a commission in accordance with the conditions determined for the card used by the issuing bank.

UniCredit clients in the offices of partner banks and other friendly organizations can also, for example, pay off loan debt. The service is available at UralSib and VTB24 banks, as well as at:

• Beeline;
• Euroset;
• Kari;
• KIWI;
• Maximus;
• Messenger;
• Eleksnet.

These organizations charge a commission when performing transactions by UniCredit Bank clients.

Foreign partnerships

UniCredit Bank has a strong presence in 20 European countries. Apart from Russia, UniCredit Bank has partner banks in 50 countries, in which there are about 9,080 branches and over 20,000 ATMs installed. Friendly organizations are located in:

• Austria - Bank Austria;
• Azerbaijan;
• Bulgaria - UniCredit Bulbank;
• Bosnia and Herzegovina - UniCredit Bank d.d .;
• Hungary - UniCredit Bank Hungary Zrt .;
• Germany - UniCredit Bank AG ("HypoVereinsbank");
• Italy - UniCredit S.p.A .;
• Latvia;
• Lithuania;
• Poland;
• Romania - UniCredit Bank;
• Serbia - UniCredit Bank Serbia;
• Slovakia - UniCredit Bank Czech Republic and Slovakia a.s .;
• Slovenia - UniCredit Bank;
• Turkey - Yapı Kredi Bank;
• Ukraine;
• Croatia - Zagrebacka banka d.d .;
• Czech Republic - UniCredit Bank Czech Republic and Slovakia, a.s .;
• Estonia.

The strongest representation is in Central and Eastern Europe, where there are about 3,600 representative offices of banks belonging to the UniCredit Bank group.

Accordingly, the Russian UniCredit Bank has partner banks in various countries.

Translations

UniCredit Bank does not belong to Western Union partner banks. Unistream is also not a partner bank of UniCredit Bank: Western Union and Unistream are rather competitors of the group, since its representative offices also provide the ability to transfer funds throughout Russia and abroad without the need to open an account by the recipient of funds.

Transfers in Russian rubles and foreign currency are available only to residents of the country. If the payment is made in favor of a legal entity, it must have a bank account, if in favor of an individual, it is optional. A transfer to a citizen will be refused if the funds are transferred in favor of other persons in connection with the client's entrepreneurial activities. There are no restrictions on the amount of the transaction.

When making a transaction within the country to your accounts, in addition to the branches of UniCredit Bank's partner banks in Russia, you can use the offices of Russian Post and QIWI terminals. Funds are credited within 3 days.

Having an account with UniCredit Bank allows its clients to make transfers almost anywhere in the world. A transaction in rubles is executed on the day the order is received through the electronic settlement system of the Bank of Russia. Transfers in foreign currency are carried out by accessing UniCredit Bank accounts opened in all major world currencies with well-known foreign banks. The transfer currency is determined by the client, regardless of the currency in which his account is opened.

The commission fee for transfers abroad is withheld according to the tariffs for international transfers. Funds are credited to recipients' accounts free of charge.

Background: history of UniCredit Bank

To understand how large the number of partners is, where you can find partner ATMs of UniCredit Bank, you should learn something about its founders.

Initially - in 1989 - the authorized capital was formed on:

• 20% - by Vnesheconombank;
• 10% - by Sberbank;
• 10% - Promstroybank;
• 12% each belonged to foreign banks - Bayerische Hypo- und Vereinsbank (HVB), BancaCommercialeItaliana, Creditanstalt-Bankverein, CreditLyonnais and Kansallis-Osaki-Pankki.

When VEB left the founders, its share was distributed among the new shareholders - Vneshtorgbank and BCEN-Eurobank (France).

In 2001, UniCredit Bank (then called Moscow International Bank) merged Bank Austria's Russian subsidiary. The latter became part of UniCredit Bank Austria AG (UniCredit S.p.A.) in 2005. Over the next years, this group managed to concentrate in its hands all 100% of the voting shares of UniCredit Bank. And this international network has offices in 30 countries around the world.