Every lender wants to make the most of cash-out operations Money. Banks set commissions for cash withdrawals from ATMs and a high annual rate for the use of funds. Also most often, the grace period does not apply to cash transactions, and interest is calculated from the date of the transaction.

Consider 5 relevant ways how to profitably withdraw cash from credit card to save on commission or annual percentage, let's compare 4 banking credit card offers with inexpensive or free cash withdrawals from ATMs. In addition, we will try to conclude which credit card is the most profitable for cash withdrawals.

How to withdraw money from a credit card with minimal losses

On some bank cards ax ( , ) a grace period is set when interest for the use of money is not charged. Each bank sets its own interest-free period - from 50 to 120 days.

When using the card, the type of transactions is automatically determined: settlement or financial. Generally considered preferential settlement operations payment for goods or services. For cashing out, a commission is usually set from 2 to 6%.

1. Issuance of credit cards with free cash withdrawal.

If the consumer only chooses which credit card to issue, then you should pay attention to credit cards with interest-free withdrawals. Such cards are offered by Raiffeisen Bank and others.

This is the simplest solution to not pay commission for cashing out, but not the most profitable. For the use of credit funds, you still have to pay an annual rate - from 24 to 50% per annum. Under such conditions, it is better for which you can find more favorable rates.

To transfer money to an electronic wallet, you must first register it. This will require a phone number. Internal commission for replenishing a wallet from 2,000 rubles. no. If the amount is less than 200 rubles, the QIWI system will charge 1% of the transfer amount. After authorization in Qiwi, you need to go to the “Wallet top-up” section and enter an amount from 1 to 15,000 rubles.

Typically, banks set a fee for transferring money to electronic wallets in the amount of 0-0.75%. When withdrawing this money from the QIWI wallet to the cache (for example, to another debit card), the Qiwi service itself will charge you another commission of 2% + 50 rubles.

In total, the commission for withdrawing money through a QIWI wallet will be from 2 to 2.75%. This is beneficial if the rates of the bank issuing the credit card for cash withdrawals are higher. For example, in Rosbank, for each cashing out operation, the client will pay 4.90%, at least 290 rubles. In this case, you can save about 2%.

To check the amount of the commission set on the credit card from which you plan to withdraw funds, it is recommended to make a minimum test payment in the amount of up to 100 rubles.

For cashing out, it is better to use debit or salary cards. If there is no such card, it can be issued online at many banks. It is recommended to choose card products with minimum annual service fees. For example, Alfa-Bank has a classic debit card without bonuses and cashback, but with free service. In Sberbank, a classic card will cost 750 rubles. for the first year and 450 rubles. for the second and each subsequent year of service.

VK Pay is a platform for paying for goods and services, created on the basis of the Vkontakte system. There is no commission for depositing and withdrawing funds. You can transfer money to VK Pay directly from credit card or via QIWI e-wallet.

QIWI transfers to the Vkontakte account without commissions, but some banks equate these transactions with cash withdrawals and charge standard interest. The exact amount of payment for the transfer of funds can be found in loan agreement or find out with a self test. For example, Gazprombank has set a limit on the free withdrawal of money in this way in the amount of 15,000 rubles. Transactions over the limit will incur a 2.9% commission.

To transfer, you need to register in VK Pay (the login and password from the Vkontakte website will do), and fill in all the fields of the Advanced Profile. Namely, indicate passport data and TIN.

Withdrawal limits: 200,000 rubles. per month to any bank card.

4. Reduction of commission through transfer services

You can reduce the percentage for withdrawing cash from the card using transfer systems and exchange sites. The commission of intermediaries is 1-2% of the transfer amount. Banks, as a rule, do not charge an additional commission for transferring money through systems Contact, Unistream, Leader and others. Cash can be received at the offices of payment systems.

Transfers between cards using Mastercard Moneysend and Visa Money Transfer are also popular, commission for the operation is from 0.5 to 1.5%.

Sites - exchangers take a commission of up to 2.5%. When choosing an exchanger, it is important to pay attention to the quantity and quality of reviews. You should not turn to little-known companies, so you can lose your money.

5. Use of cards linked to entertainment services

Let's give an example on the world famous game "World of Tanks". A debit card for this game is issued by Alfa-Bank. You can order a card online from the bank's website.

Card rates:

• issue - 0 rub.;
• monthly service - 0 rubles, if the amount of purchases is more than 5,000 rubles.
  or the minimum balance on the account is more than 30,000 rubles;
• monthly service - 50 rubles, if the free conditions are not met;
• cash withdrawal - 0 rubles, through an ATM or cash desk of Alfa-Bank, through ATMs of partner banks.

To make a transfer, you need to go to your personal account of Alfa-Bank, and enter the details of the credit card from which you plan to withdraw money. Money is transferred instantly.

The transfer to the gaming service is carried out according to the operation code, which refers to the payment for services. This withdrawal method allows you not only to withdraw money for free, but also to use it without interest during the grace period.

All rates and conditions shown are subject to change depending on the policies of each financial company. To check the relevance of the method, it is recommended to send a small transfer (up to 100 rubles). Next, go to the personal account of the bank issuing the credit card and see the actual amount of debited funds. In addition, it will be clear what type of transaction the transfer was classified as - “financial transactions” (equated to cash withdrawals and not included in the grace period) or “purchase” (payment for goods and services that are covered by the interest-free period).

TOP 4 credit cards from which you can withdraw cash from an ATM inexpensively or for free

The minimum percentage for cash withdrawal is not always the main factor when choosing a card. The main purpose of credit cards is non-cash payments. When choosing a card, you should also pay attention to additional benefits, such as cashback, the duration of the grace period, and the annual rate. How to cash out a credit card without interest, we will consider further.

The main parameters for cash transactions are presented in the table.

Map	Cash withdrawal fee	Cash withdrawal limit	annual rate
	2.9%+290 rub.	no restrictions	30-49%
	0% for amounts up to 50,000 rubles. otherwise 5.9% (minimum 500 rubles)	300 000 rub. per month	from 11.99%
	4.9%, minimum 290 rubles.	RUB 500,000 per day, RUB 1,000,000 per month	from 26.9%
	4.99%, minimum 500 rubles.	100 000 rub. in a day, RUB 1,000,000 per month	27,5-31%

Credit card "Platinum" from Tinkoff Bank

The card is issued for an amount not exceeding 300,000 rubles. To do this, you need to fill out a questionnaire on the bank's website, and wait for its free delivery within 7 days. The credit card is available only to citizens of the Russian Federation aged 18 to 70 years. Upon receipt of the card, the courier is provided with a passport with a mandatory mark of registration on the territory of the Russian Federation.

Basic parameters of a credit card:

• annual service - 590 rubles;
• grace period - up to 55 days;
• rate on preferential transactions - 12-29.9%;
• mandatory payment - 8%, at least 600 rubles;
• cashback - 1-30% depending on the category of purchase;
• SMS notification - 59 rubles. per month, at the request of the client.

The card can be used to repay loans in other banks. There is a grace period of 4 months for such an operation. You can use this service once a year. It is also possible to refinance the existing debt according to the standard ones in other banks.

At Tinkoff Bank ATMs, it is allowed to cash out no more than 1,000,000 rubles at a time.

Send an application for a Tinkoff Platinum credit card →

Card "100 days without interest" Alfa-Bank

You can apply for a credit card up to 1,000,000 online. For registration, you will need a passport and one additional document. Adult citizens of the Russian Federation who receive an income of 5,000 rubles or more can get a loan on a card. (9000 rubles for residents of Moscow), and having a permanent registration in the region where the bank is present.

Alfa-Bank credit card rates:

• service - from 1190 rubles. in year;
• interest-free period - up to 100 days;
• annual rate - from 11.99%;
• mandatory payment - 3-10%, at least 300 rubles;
• cashback - not provided;
• SMS informing - 59 rubles. per month, at the request of the client.

The disadvantage of this credit card is that the bank sets the interest rate based on the results of evaluating the client's application. Will it be 11.99 or 39% per annum will become known only before the signing of the contract.

The main advantage of the Alfa-Bank credit card is that the grace period applies to cash withdrawal transactions. For example, in Tinkoff Bank, only payment for goods and services is considered a preferential transaction. According to the results of these two banks, Alfa-Bank won.

Get a card for 100 days without interest at Alfa-Bank →

Credit card from Rosbank

The maximum limit on the card is set at 1,000,000 rubles. To get a credit card, you need to fill out an application on the bank's website. Of the documents, only a passport is required. Rosbank lends to persons over the age of 18 with permanent registration in the territory of the Russian Federation.

Bank lending terms:

• annual service - 0 rubles, from the second year - 890 rubles;
• grace period - up to 62 days;
• rate - from 26.9%;
• mandatory payment - 5%
• cashback - 1-10% depending on the category chosen;
• SMS notification - 60 rubles. per month, at the request of the client.

In Rosbank, as well as in Alfa-Bank, the grace period applies to all transactions, both for purchases and for cash withdrawals.

→

Credit card UBRD "120 days without interest"

Citizens of the Russian Federation aged 19 to 75 can receive a card. Required condition– permanent registration in the region where the bank is present. For registration, only a passport is required. Having a certificate of income significantly reduces the interest rate. Possible limit - from 30,000 to 299,999 rubles.

Credit card plan:

• maintenance - 0 rubles, starting from the second year - 1900 rubles;
• interest-free period - up to 120 days;
• annual percentage - 27.5-31%;
• minimum payment - 3%;
• cashback - 1% on all purchases;
• SMS informing - 50 rubles. per month, at the request of the client.

The grace period applies to all transactions, including cash withdrawals from ATMs.

→

The best credit card for cash withdrawal

Most profitable terms Alfa-Bank offers to withdraw cash from a credit card. You can withdraw 50,000 rubles from a credit card without commission. and use them without interest during the grace period. At the same time, the card has drawbacks: the limit on monthly transactions in the amount of 300,000 rubles is limited. and high annual maintenance fees.

Credit cards are a good tool for cashless payments. However, it is not always possible to use the card according to its intended purpose. In some cases, it becomes necessary to cash out funds that are stored on plastic. You should find out if it is possible to withdraw cash from a credit card and how to do it.

Withdrawing money stored on a credit card

The funds that are stored on a credit card belong to the bank. Using them, the client of the financial institution actually takes out a loan. If a grace period is connected to the card (in most banks this service is available by default), no interest is charged on the funds used for a certain period of time.

Credit cards are developed and introduced for non-cash payments. It is assumed that citizens should use them in shops, restaurants, to pay for services on the Internet. Despite this, if necessary, you can withdraw funds stored on the card. However, since credit plastic is not intended for this, banking organizations impose penalties for such actions. So:

• in most banks, the grace period does not apply to cashing out, respectively, to return the funds will have to take into account interest rate. Some financial institutions will cancel the grace period if a cash out is discovered;
• A fee must be paid for cash withdrawals. Its size depends on the specific financial institution and the method of withdrawing funds;
• some banks charge not only interest, but also a fixed amount for such actions(for example, for Tinkoff Bank cards it is 250 rubles).

Cashing out money that is stored on credit cards is recommended last, when there are no other ways to get cash. Doing this is unprofitable. But sometimes the holders have no choice. Therefore, it is worth considering what methods of cashing out exist. credit money.

Main methods of cashing out

Before withdrawing funds from a credit card, it is recommended that you familiarize yourself with the agreement that was signed during its execution. It should spell out the main nuances of this procedure. You should pay attention to the following:

• amount of commission for cashing out(usually a few percent of the transaction amount);
• maximum amount, which can be withdrawn within a day and a month (in this case, banks impose strict restrictions);
• minimum commission. It is present almost always and indicates the amount that the cardholder will have to pay, regardless of the amount of funds withdrawn.

The conditions depend on the specific financial institution that is the issuer of plastic, as well as the type of credit card itself. For example, in Sberbank, owners of gold plastics can count on higher withdrawal limits.

You can cash out in two ways:

1. Using an ATM.
2. By contacting the cash desk of one of the branches of a financial institution.

Regardless of the chosen method, you must be prepared for accrued commissions and other sanctions. The most common penalty for cashing out credit funds is the accrual of interest on the withdrawn amount.

ATMs

Today, almost every city has ATMs of various financial institutions. They work not only with debit cards, but also with credit cards. The easiest way to withdraw money from a credit card is to use ATM. The procedure is almost the same as withdrawing funds from salary card. However, the cardholder will be required to pay a fee. Its size depends on the specific bank.

Withdrawing funds from a credit card at an ATM is one of the most expensive ways to withdraw money from plastic. In Sberbank, you will have to pay 3% for such an action, and its size cannot be less than 390 rubles. In Tinkoff Bank, the commission is 2.9%. In addition, you will have to pay extra for the withdrawal. Alfa-Bank charges a commission of 6.9%, but not less than 500 rubles.

You can also use the ATM of another financial institution, but only if a special agreement has been signed between the banks. In this case, you will have to pay even more for cashing out. In the same Sberbank, cash withdrawals from credit plastic at an ATM of a third-party financial institution are subject to a 4% commission.

Checkout

You can also withdraw funds at the cash desk of a financial institution serving plastic. In order to do this, you need to visit a branch with a cash desk and contact the operator. He will carry out all the necessary actions and give the client cash. It is not necessary to have a card with you. However, to verify the identity of the client, a bank employee will ask you to show your passport.

Usually, a lower commission is charged for withdrawing funds from a credit card at the cash desk than at an ATM. Although in Sberbank, for example, it is the same for both methods. The advantage of the method is the possibility of removing more maximum amount than with ATM. You can also contact the cash desk of another financial institution. Some banking organizations allow this. But in this case, the citizen will be charged not only the commission of the native bank, but the cost of the service in the institution where the funds are withdrawn.

When using any of the above methods, the cardholder will incur financial losses in the form of withdrawal fees and interest rates for their use. However, there are several ways to minimize losses from cashing out money stored on credit plastic.

Transferring funds to a debit card

A good way to reduce the cost of withdrawing funds is to transfer them from a credit card to a debit card, and then simply withdraw money from an ATM. When using debit plastic, no withdrawal fee is charged. Therefore, you will only have to pay for the transfer of funds from one account to another.

Is it possible to withdraw money from a credit card in this way and not incur losses? Some banks, such as Citibank, do not charge any fees at all when transferring between accounts, even if one of them holds credit funds. Other financial institutions charge less for such a procedure than with a regular cash out. But not all financial institutions provide their customers with this opportunity. Therefore, before carrying out the procedure, it is recommended to familiarize yourself with the agreement on credit plastic.

How to cash out while maintaining the grace period

There are several ways to cash out credit money, the use of which will allow you to return the funds without paying the interest rate. In order to use them, a citizen must have an electronic wallet in one of the companies operating in the country:

• "Kiwi";
• "Yandex money";
• RBKmoney.

If a citizen does not have electronic wallets, it is necessary to go through the registration procedure in one of the payment systems listed above. After registration, the user will be allocated his personal electronic wallet. The money that is transferred to it can be used by a citizen at his own discretion. You can also use this option to save the grace period.

To do this, it is enough to transfer money to a wallet issued in one of the above systems, and withdraw it to debit plastic, and then cash out. The advantage of the method is the fact that such a money transfer is considered a non-cash purchase and does not lead to the cancellation of the grace period. Accordingly, it will be possible to return the funds without charging an interest rate.

Such actions are subject to a double commission: for depositing money into the wallet and for withdrawing it. But in most cases, its size is much less than when cashing out using ATM. You can also use the Webmoney system, but if the user is not registered in it, the registration process may take a significant amount of time.

Thus, it is possible to cash out funds stored on credit plastic. To do this, you should use an ATM, cash desk or money transfer to a debit card (if the bank does not provide such an opportunity, you can resort to using electronic payment systems). However, it is recommended to abandon this venture, if possible. Withdrawing money from a credit card entails significant financial losses and the risk of cancellation of the grace period (that is, the citizen will also have to pay interest on the use of credit funds).

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 is 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 interest-free loan with 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 MSS. 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 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 sender's card issuing bank for outgoing money send, and even by the recipient's card bank 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. They are very convenient to use for payments on unfamiliar sites: I released a virtual card, replenished on the right amount, paid, closed. No risk that an unscrupulous site admin will write off extra money from the map. 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 cashing schemes use systems money transfers: 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 operators cellular communication 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. 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 termination of the contract 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” connected directly with financial activities such as bookmakers. At the same time, most companies do not allow withdrawing funds without their intended use within 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 borrowed funds 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. bank funds and charging 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 withdrawal or even 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 personal internet account or mobile app. 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 gift cards various partners credit institution. 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. When using an exchanger, you need to be prepared for additional commission 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 instructions how to withdraw money from a credit card, withdrawing funds is not 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 registering for a wallet payment system transfer funds from borrowed plastic.
3. From personal account of the user of the Qiwi system perform a transfer according to the details of the debit plastic. Upon completion of this operation will be removed minimum percentage(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 cashed out funds, while maintaining the benefits of an interest-free period of use.

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Consider how to withdraw money from a credit card, what conditions may differ in cashing plastic from a particular bank.

Some financial institutions suggest such a possibility, others do not. In this case, the operation can be paid or free (without commission and within the grace period).

Any withdrawal of money from a credit card means the use of borrowed funds, which will need to be paid during the grace period if you want to avoid overpayment. It does not matter whether it is a non-cash payment for goods and services or debiting at an ATM. Some payment instruments do not involve cashing out at all. Others do not provide for a grace period for the return of debited money - the established commission is charged immediately upon completion of such an operation.

If you use plastic, which makes it possible to remove and then use banknotes for settlement, you should familiarize yourself with the features of this procedure in detail.

As a rule, it is more profitable to pay with credit plastic directly. Usage banking product in this case, it may be accompanied by the accrual of bonuses from partners, cashback. At the same time, some banks make it possible to withdraw money from a credit card without a commission, while others require additional write-offs for such operations. Previously, some customers transferred funds from credit cards to debit plastic, so that later they could safely cash them out at an ATM. But financial institutions quickly took into account this possibility and began to charge a commission for such transactions. Now most banks perceive the transfer of money from one plastic to another as cashing out credit cards.

Is it possible to cash out a credit card without commission?

This question is probably asked by every holder of credit plastic, who at some point needs to pay in cash. In fact, it all depends on the terms of service of the issuing bank. If debiting without commission is allowed, then you can cash out funds to return them without overpayment during the grace period. If not, such a possibility of using plastic is excluded. Looking for any tricks on how to cash out a credit card without a commission is sometimes simply pointless.

Let's take as an example some of the leading banking organization Russia to see what the fee for debit transactions will be.

Among the banks that make it possible to withdraw money from a credit card without commission. These include, for example, Alfa-Bank (“One Hundred Days Without Interest” product) or Raiffeisenbank (“ cash card"). These are credit cards, where a grace period applies to ATM withdrawals and payment for goods and services. But there are banks that do not provide such an advantage. As an example, consider two leading financial institutions Russia - Sberbank and Tinkoff Bank.

Sberbank

If you plan to withdraw cash from an ATM of Sber itself, the debit amount in this case will be 3%, but not less than 390 rubles. If you withdraw funds through a cashier or ATM third party bank, the commission at Sberbank will be 4%, but not less than 390 rubles. The overpayment for transactions that are not covered by the grace period is 21.9-25.9%.

For some operations for which a credit card is used, Sberbank (cash withdrawal in this case is similar to transferring funds to other cards or electronic wallets) charges a commission immediately. We can say that some transactions are not covered by the grace period, which means that it will not be possible to return the funds spent without an overpayment. The commission is charged immediately at the time of withdrawal of funds. List the operations for which Sberbank will also require you to pay interest:

• cash withdrawal,
• transfer to another plastic or electronic wallet,
• purchase of currency (not only foreign, but also digital),
• buying lottery tickets,
• exceeding the credit limit
• buying traveler's checks
• payment for online games,
• transactions in casinos and bookmakers.

When transferring funds in Sberbank Online to your own debit plastic, the commission will be only 1%. After that, you can easily cash out money at any ATM of the issuing organization.

Bank Tinkoff

If you have credit Tinkoff card, it will not be possible to withdraw cash without a commission directly. You cannot directly use plastic to get paper money in your hands and not overpay. We will discuss ways to get around this condition below.

Interest for the use of plastic "for other purposes" will be significant. For example, withdrawing cash from a platinum Tinkoff credit card will be 2.9% of the amount plus another 290 rubles, if you use any other card - 390 rubles.

In addition, you should take into account the amount of interest per annum in the event that you go beyond the grace period. At bank Tinkoff it is 35-45%.

For purchases at some partner stores, the grace period is 365 days. If you purchase a product to return it, there is a chance that you will be given cash, but there is also a high risk that the money will be transferred back to the same plastic with which the payment was made. However, the time the store is legally required to refund the purchase price will be shorter than the grace period, which means you don't run the risk of being forced to pay interest.

How to withdraw money with a minimum commission or without it

Cash withdrawals: negative examples. There are some dubious ways to withdraw money from a credit card so as not to pay a commission. Let's consider some of them.

One of the options for actually cashing out funds withdrawn from a credit card is to return a purchase paid for with bank plastic. This method cannot be considered quite convenient for a number of reasons:

• not every product can be returned (hygiene products, underwear, food, dishes made of polymeric materials, household chemicals, medicines, cosmetics and others are not subject to return);
• there is a risk that the store will report the transaction to the bank and the latter will charge a commission without taking into account the grace period;
• the outlet can return the funds to the same plastic that you used when paying for the purchase, and will not issue them in cash;
• the store can return funds within a certain period (some consider the issue within two months), which can lead to going beyond the grace period, and therefore paying interest in accordance with the tariff.

Another way is to pay for a cellular service, after which you can demand that the operator return the accrued funds to you for a set of debit plastic.

But there are also completely legal and, moreover, reliable ways to get money debited from a credit card. Here are some examples:

• paying with a credit card for a friend or relative's purchase, for which he will simply give you the same amount in cash. In this case, you can get cash not only quite legally, but also without commission. This is perhaps the best option of all possible;
• a similar way - the purchase of goods in a pool. You pay with your credit card the entire amount, and everyone who discounts on a purchase returns their part to you in cash. To do this, you just need to find people who will be interested in it, as well as choose a product whose cost does not exceed the limit of your plastic;
• transfer to debit plastic of the financial institution-issuer. In this case, a commission is expected, but it will be minimal;
• using a virtual payment instrument. Once you receive your payment details, you can use them to transfer funds from a credit card and then transfer them to a debit plastic. The size of the commission for each service can be individual. It is better to clarify this condition in advance.

Which method to choose, the owner of the credit card decides. But it is better to use such cash withdrawal methods that will not lead to significant financial losses.

• you should not resort to the services of dubious organizations that offer to withdraw cash from a credit card for a moderate fee. In this case, you run the risk of simply losing borrowed funds, which you will still have to return one way or another. Most likely, you will simply give money to scammers. If you definitely need cash, it is better to issue a standard consumer credit with clear conditions and simply pay it within the framework of the concluded contract;
• do not count on the fact that you will be able to freely return the goods and receive funds from the outlet. Unexpected delays may arise, nuances may come to light that will lead to falling out of the grace period and returning money with interest;
• if you use a credit card, it is better to take advantage of its benefits by choosing what to spend funds on by bank transfer. In the event that you definitely need cash, it is easier to contact the same bank where you issued the payment plastic to take a consumer loan. In this case, you will be able to write off funds to pay for it, including from a credit card.

Conclusion

So, we looked at possible ways to cash out a credit card. The very possibility of such an operation as withdrawal of funds depends on the terms of service of the issuing bank.

So, a Sberbank credit card makes it possible to cash out credit limit, but for this operation you will have to pay interest. Some banks issue payment instruments for which ATM withdrawals will be free.