The maximum amount of cash withdrawal Sberbank. Cash withdrawal (withdrawal) limits on Sberbank cards

Transfers and payments online are very convenient, as they allow you to save a lot of time. However, attackers, having gained access to the client's personal account, can transfer all the money to their accounts without a twinge of conscience. To avoid this, a daily limit for transferring money to Sberbank Online has been introduced. Even if fraudsters get hold of confidential information, they will not be able to steal all the funds at once, a signal that the number of allowed transactions has been exceeded will be sent to the bank.

Current restrictions on money transfers

The presence of limits can be an unpleasant surprise for the user if he decides to withdraw or transfer a large amount of money to another account. For example, if he needed to make an advance payment for a car or an apartment in cash, then he may have to do this in several stages when the possibilities are exhausted. Therefore, it would not be superfluous to clarify the daily transfer limit through Sberbank Online so as not to encounter an unpleasant situation when the required amount of money does not reach the recipient’s account due to the fact that the number of attempts has been exceeded.

How much cash can be withdrawn from different cards

One of the most popular transactions is cash withdrawals. It is about the limits for this operation that Sberbank customers most often want to know. Restrictions depend on the class of the card you have, the higher it is, the greater the limits:

100,000 rubles - Electron, Maestro class cards and all instant issue cards, as well as student and social cards;
200,000 rubles - classic and standard cards;
300,000 rubles - Gold, Platinum, Premier cards and Infinite class cards.

For corporate cards, the cash withdrawal limit is set by the employer, while the limits cannot be higher than bank maximums. Please note that these amounts are for debit cards.

When withdrawing cash from credit cards, the same limits apply, but at the same time, the bank takes a commission for itself, depending on your tariff plan, so you will receive a smaller amount in your hands.

For example, you wanted to withdraw 50 thousand rubles, while the commission is 3.5%. Therefore, you can only withdraw 48,250 rubles. The ATM itself will make the calculations and write the result.

It is necessary to assume that there is not only a daily limit set in Sberbank, but also restrictions in the ATM itself.

Transfers to yourself, other users and organizations

Depending on the method of transferring money, the following limits are set (transfers mean any transactions - to yourself, to other clients, organizations):

through an ATM (by card or cash) - no more than 300 thousand rubles;
using a mobile bank - 8 thousand rubles;
to Sberbank Online, the daily transfer limit should not exceed 500 thousand rubles, depending on the purpose of the payment and the method of its confirmation.

So, any transactions made online require the client to confirm that it is he who makes the payment. To date, there are three ways of additional identification:

With the help of one-time passwords from the check. This list (of 20 alphanumeric combinations) is taken from an ATM. This is considered to be the minimum level of protection, since such passwords can easily be compromised. Limit - 3 thousand rubles per day.

With mobile banking. This is the most common way to confirm payments. The client receives an SMS with a 5-digit number, which must be entered in a special column in order to confirm his operation. The limit before exceeding is 80 thousand rubles per day.

By calling the call center. If you need to make a payment for a larger amount, then you need to contact the operator and confirm that it is you who is transferring the money. Usually they ask for a code word specified when receiving a card at Sberbank.

The above limits apply to payments and transfers:

between own accounts (for example, from a card to a deposit and vice versa);
to the personal account of a broker or management company;
to a Sberbank client (transfer can be made both by card number and by phone number - it does not matter for limits);
organizations (i.e. classic payments - for example, for rent or meals for a child in kindergarten).

It should be noted that daily limits are formed on an accrual basis. For example, if you made a transfer for 60 thousand rubles and confirmed it using SMS, then on the same day you can transfer or spend another 30 thousand rubles without additional confirmation. Everything else is overkill.

Number of financial transactions per day

There are also other transfer limits per day in Sberbank Online:

from open deposits to social cards - up to 1 million rubles for a maximum of 2 transactions (each with a maximum of 500 thousand rubles);
currency conversion - no more than 100 transactions, while the minimum transaction is 25 rubles, there is no upper limit for the transfer;
transfer to a client of another bank - 10 thousand rubles for cards of the MasterCard payment system, standard restrictions (up to 500 thousand rubles) - for Visa and Mir cards.

Before performing any operation, the system will warn you how much more money you can transfer during this day without additional confirmation.

Replenishment of phone and e-wallets

A limit has been set for transferring money through Sberbank Online when paying for a cell phone and sending money to replenish the balance of electronic wallets. They are much smaller, since such transfers are anonymous, and in case of abuse of access to the online account, it will be quite difficult to identify the recipient.

The following restrictions currently apply:

to pay for mobile communications - does not exceed 10 thousand rubles per day to the number of MTS, Beeline, Megafon and Tele2;
for electronic wallets Yandex.Money and Webmoney - 10 thousand rubles per day.

The limit on replenishment of the balance also accumulates, this must be taken into account. For example, it will not be possible to replenish a Yandex wallet first with 7 thousand rubles, and then another 7 thousand. The maximum per day is 10 thousand.

When using a mobile bank, the limits per day are even greater than the limit for transferring money through Sberbank Online:

replenishment of your phone is permissible without exceeding 3 thousand rubles, the maximum replenishment operations per day is 10;
replenishment of someone else's Sberbank client number - 1.5 thousand rubles, maximum replenishment operations - 10 pieces.

This was done not so much to protect against intruders, but to prevent the transfer of a large amount of money to your mobile account by mistake.

How to change the restrictions set

After reading the information about the established daily limits for money transfers, you are probably wondering if it is possible to expand the possibilities when transferring funds online? We suggest using the following methods.

What to do if the limits are exceeded

But what if you need to send money urgently, but the transfer limit using Sberbank Online has already been exceeded and SMS confirmation does not come?

In this case, you need:

call 8-800-555-55-50 (official phone number of Sberbank);
follow the instructions of the robot to connect with the operator responsible for confirming transactions;
inform the operator of your intention to make a transfer if the limit is exceeded, name the operation code;
confirm your identity (for example, using the code word specified in the agreement for opening a credit card, passport data or card number).

After the operation will be approved by the operator manually, and your transaction will go through.

You should not try to send money when the limit is exceeded - they will be debited from your account, but when sent to the recipient, they will “freeze”, i.e. the other side will not receive them. You will return the “frozen” funds only after 30 days, or you will even have to use a chargeback. In addition, you will lose irretrievably commissions.

How to increase the number of transactions

It should be noted that “by default” in Sberbank Online, even lower limits can be set than usual. This is for added protection. And if you need to increase the Sberbank Online transfer limit, then you need to:

enter the personal remote account of the system;
click on the gear icon in the top right corner to go to Settings;
select "Spending Limits";
find the column "Daily spending limit", next to which either a numerical value will be set, or "Not installed" will be written (in this case, the limit is set to 80 thousand rubles by default);
click on the number or on the inscription "Not installed" and enter your value (maximum - 500,000);
if you have reduced the limit, then indicate the code from SMS; if you have increased it, call the contact center.

Please note that this operation increases the limit on transactions that can be confirmed using SMS. So, if you set the value to 300 thousand rubles, you can transfer up to 300 thousand rubles per day without calling the contact center. The rest of the limits will remain the same.

Conclusion

Thus, the daily limit for transferring money to Sberbank Online is limited to 500,000 rubles. For some operations - replenishment of a mobile, electronic wallet, transfers to a number of subscribers, conversion - their own restrictions are introduced. Limits are accumulated and reset again only after 24 hours of real time. If the established minimum is exceeded, you will have to call the contact center to “skip” the operation. Limits on transactions without additional confirmation can be adjusted in the settings of the remote account.

Sberbank, like any other bank, imposes restrictions on cash withdrawals from cards. The maximum possible withdrawal amounts are limited by limits, and in some cases the bank will withhold a commission. The daily limit is valid until the end of the current day (up to 24 hours), so that in the first hour of the night it is restored again. When withdrawing funds abroad, the bank's currency conversion rate and additional fees must be taken into account. By the way, not all Sberbank cards are serviced abroad.

When withdrawing cash from credit cards, be especially careful. Regardless of what funds (own or against a loan) you withdraw, the bank will withhold an average commission of 3% (minimum 390 rubles) at its ATMs (or cash desks) and 4% (minimum 390 rubles) - at ATMs and cash desks of other credit institutions (in some cases, the commission is slightly different, see the details in the table below).

Limits and commissions for cash withdrawals using Sberbank credit cards

For credit cards, the daily limit for withdrawing money from ATMs and at the box office is limited, and the maximum limit at the box office is also total (cumulative) - do not confuse it with a credit limit. Thus, having withdrawn 50 thousand rubles from the classics per day from an ATM, you can get another 100 thousand rubles at the bank's cash desks. Other banks are subject to a general restriction on withdrawals at their cash desks and ATMs.

Limits and commissions for cash withdrawals on debit cards

For budget cards:

The monthly withdrawal limit is 100,000 rubles. ($3,000 or €2,500) for cards. For the rest (Maestro, Visa Electron, and “Student”, as well as PRO100 “STANDARD”) - 500,000 rubles. / USD 16,000 / EUR 12,500;
daily limit (at an ATM and at the cash desk) 50,000 rubles. (1,600 dollars or 1,200 euros);
per day in other territorial banks: 50,000 rubles. (1,600 dollars or 1,200 euros);
daily limit in ATMs of foreign banks 50,000 rubles. (USD 1,600 or EUR 1,200) – excluding momentums;
there is no limit at the cash desks of other credit institutions (transactions are not provided).

Some cards do not have foreign currency accounts.

For classic cards, the following limits:

Per month: 1,500,000 rubles. ($50,000 or €37,500);
Per day at the box office and at ATMs: 150,000 rubles. (6,000 dollars or 4,500 euros);
In other people's ATMs: 150,000 rubles. (6,000 dollars or 4,500 euros);
At the cash desks of other banks: not provided.

The classics include all Visa Classic and MasterCard Standard cards, including contactless, co-branded (Aeroflot and MTS), Youth, Olympic and charity Visa Classic “Give Life”.

For Gold level cards (all gold debits without exception):

Per month: 3,000,000 rubles. ($100,000 or €75,000);
Per day at the box office and at ATMs: 300,000 rubles. ($12,000 or €9,000);
Per day in other territories. banks without a card: 50,000 rubles. (1,600 dollars or 1,200 euros);
In other people's ATMs: 300,000 rubles. ($12,000 or €9,000);

All Platinum cards (Platinum) impress with limits:

Per month: 5,000,000 rubles. ($170,000 or €125,000);
Per day at the box office and at ATMs: 500,000 rubles. (12,500 dollars or 10,000 euros);
Per day in other territories. banks without a card: 50,000 rubles. (1,600 dollars or 1,200 euros);
In other people's ATMs: 500,000 rubles. (12,500 dollars or 10,000 euros);
At the cash desks of other banks: not available.

Currency transactions without additional commission are available only on cards with a foreign currency account, but you most likely will not be able to withdraw it from Sberbank ATMs - you simply will not find them (even in Moscow, and what can we say about other cities). Unless you look at the airports. But this can be done at the checkout - through the POS-terminal. After authorization (entering a PIN code), the operator will give you the required amount. You can withdraw currency from a ruble card in the same way, but at the bank's conversion rate. In principle, you can look for ATMs of third-party banks filled with dollars / euros, but the commission will be impressive.

Please note that you will not be able to withdraw funds from an ATM more than the allowed limit, this is available only at the box office for an additional percentage (see the table with commissions).

If you want to significantly exceed the daily limit, then there are several absolutely legal ways that can be found in the article at the link above.

The above tables do not indicate the amount of additional commission that a subsidiary or foreign bank will take (check it in advance). The list of subsidiary banks can be specified on the official website of Sberbank.

When choosing one or another plastic card, it is worth focusing not only on the conditions and opportunities that it provides. It is important to study the restrictions imposed by Sberbank: daily limit on transfers, withdrawals, spending.

For premium card holders, the limit will be higher than for a regular product

The Bank offers its customers a wide range of card products to choose from, which are classified according to a number of criteria:

Type: credit, debit.
Purpose: social, salary, youth, children.
Usage format: domestic, international.
Payment system: Visa, Mastercard.
Product class: unnamed, Classic, Gold, Platinum, Premium.

In addition, there are partner products, such as Aeroflot or Give Life, as well as specific ones - electronic and contactless.

The daily limit for a different type of Sberbank card will differ, as well as the possibilities, conditions and benefits of the products. If plastic is used for large operations, it is better to choose a high and premium level (Gold and above). The limit also varies based on the conditions of cashing out: through a cash register or an ATM.

The structural unit whose service is used for the transaction also matters. In some cases, if you use self-service machines or an operating cash desk of another territorial division of a banking institution (not the one that issued the product), you will need to pay a commission. Similarly, a fee is charged when using the services of other financial institutions, and some types of transactions for certain products cannot be carried out at all. Other requirements are also provided for the withdrawal of funds in subsidiaries abroad, cashing out on the day of Sberbank and commissions there will be less profitable.

Consider what are the limits for plastics of different formats:

Platinum Visa, MasterCard: RUB 1 million
Gold: 300,000
Classic: 150,000.
Maestro Momentum, Visa Electron, Social, Student: 100,000.

For foreign currency accounts, the size of the restriction is similar in terms of currency (dollar, euro), taking into account the current exchange rate. These parameters are provided for receiving funds at the operating cash desk and ATM of the department in which the customer's product was issued. Similar rates apply when using the services of subsidiaries of the bank and other financial institutions.

All types of plastics have a limit on cash withdrawals

The client will need to pay a commission if the daily limit of Sberbank is exceeded when making a withdrawal operation. It is charged only on the amount of excess, and not on the total amount. It is 0.5% for all types of plastics, except for unnamed (instantaneous).

For Maestro Momentum, Visa Electron, Student and Social, 0.75% is charged when carrying out the procedure at an ATM or branch. For the rest - the collection of payment for the excess occurs only in the branch. If you use an ATM, there is no additional charge. Social and Student cards do not imply the possibility of cashing out money in the currency of a state other than the Russian Federation.

If the client opened an account in a subsidiary outside the Russian Federation, namely in Ukraine, Kazakhstan or Belarus, the commission is charged in any case in the amount of 1%, but there are no restrictions on the transaction. If you use an ATM for the procedure, and not a cash desk in the branch, it will not be charged.

The limit for cashing out funds in Sberbank is similar when using the cash desk of a branch of another financial institution, but the commission parameters differ:

Subsidiaries abroad: 0.75% for Maestro Momentum and Visa Electron.
Subsidiaries abroad: no commission for other types.
Other financial institutions and banks: 1%. At the same time, the minimum amount that the institution charges is 150 rubles. (5 euros or dollars).
Other financial institutions do not carry out transactions on Social and Student products.

For instant issue plastics - the most minimal cashing out

If you use ATMs of subsidiaries, the commission is calculated only from products of instant issuance in the amount of 0.75%, for all others - the procedure is free. When using ATMs of other banks, a commission is charged from all customers. Its size is 1%, but at the same time there is a minimum mandatory level for payment - 100 rubles (3 dollars or euros). With the Social and Maestro Momentum cards, issuance through ATMs of other banks is not provided.

Basic parameters of the monthly limit

Having decided what the daily withdrawal limit at Sberbank is, it is important to know about the presence of such restrictions on the total operation for the entire month. They are provided for all types of plastics issued by the issuer:

Platinum Visa, MasterCard: RUB 50 million
Gold: 10 million
Classic: 5 million
Maestro Momentum, Visa Electron, Social, Student: 5 million

Similar sizes are provided for currency products:

Platinum Visa, MasterCard: $1.5 million or €1 million.
Gold: $400,000 or €300,000.
Classic and others: $200,000 or €150,000.

Since there are differences in cashing out money per day for plastic issued in a subsidiary, there are also nuances regarding the monthly limit. For Maestro and Visa Electron, you cannot withdraw more than 7.5 thousand rubles if the opening was in the branches of Ukraine, Belarus and Kazakhstan. The currency account is limited to $250. For a payment instrument above the average level (Classic, Gold, Platinum), these parameters are greater:

50 thousand rubles to the account in national currency.
2 thousand dollars - for foreign exchange.

Restrictions provided in the online service

Many customers connect the online banking service to conduct transactions remotely, without directly contacting branches. Therefore, it is important to clarify the following parameters: the maximum possible amount of payment, transfer and transfer to other accounts and plastics.

The bank has a wide range of payment instruments

Today, the online service has the following parameters:

Up to 100 thousand rubles: transfers to card accounts of other clients of this bank, organizations and individuals.
Up to 500 thousand rubles: for any types of transfers according to templates, confirmed through the Contact Center and other services.
Up to 10 thousand rubles: payment for a client’s mobile phone and other persons, transfers by phone number to card accounts of clients of this institution, transfers to electronic systems (WebMoney, Yandex Money, Qiwi, Intellect Money, etc.).
Up to 1 million rubles: transfers from deposits to your social cards.
Up to 3 thousand rubles: for any procedures that are confirmed by passwords received through self-service devices (issued on a receipt at an ATM).

As already noted, Sberbank Online has a daily transfer limit, but besides this, there are restrictions on the number of transactions. Such parameters are provided only for a few banking procedures.

Sberbank offers its customers over 40 types of bank cards. They differ in the connected set of services, the established limit on the circulation of funds, the cost of service. All cards have monthly and daily limits on cash withdrawals from ATMs and bank branches. The daily cash withdrawal limit depends on the card series. The most elite options are Platinum and Gold cards, they are designed for VIP clients who operate with significant amounts of money.

How is the limit calculated?

Withdrawal limit is a certain amount of money available for withdrawal within a day, week or month. Restrictions are imposed on both cash receipts and internal wire transfers. Also called a limit is the available balance on a credit card.
Sberbank sets a limit on the card depending on its type. There are more than 10 types of bank cards - debit, pension, instant (Momentum), classic, premium, gift, gold and others. The higher the status, the more opportunities and fewer restrictions.
If the withdrawal of money is carried out at the cash desk of Sberbank, then the daily limit is practically unlimited. Significant restrictions are imposed on operations carried out using automatic services. On "platinum" and "gold" cards, the limit has been significantly increased.

The established limit also depends on the branch in which the card was issued. Subsidiaries from Sberbank in Ukraine, Belarus and Kazakhstan set more stringent restrictions than the Russian branches of the bank.

Card Type Restrictions

The daily cash withdrawal limit from a Sberbank card depends on the card series:

ordinary (non-premium) cards have an established monthly limit of 150 thousand rubles, 6 thousand dollars or 4.5 thousand euros;
premium cards of the Gold series (“golden”) from Sberbank have a limit of 300 thousand rubles, 12 thousand dollars or 9 thousand euros;
platinum cards (Platinum) have the highest limit - 1 million rubles, 25 thousand dollars or 20 thousand euros.

The calculation of the spending limit is carried out in the currency to which the card is connected. You can choose the currency at the time of conclusion of the contract at the bank branch. Currency cards are usually issued in a separate order.
For first-level cards issued by subsidiaries of Sberbank, an additional limit is set for the maximum amount of one transaction. This limit for VISA Electron Momentum is 250 dollars for a foreign currency account or 7,500 rubles for a regular one. If you need to transfer a large amount, then you will need to carry out several transactions in a row - the existing restrictions do not block this possibility. Premium cards issued by divisions from subsidiaries have higher limits - $2,000 or 50,000 rubles.

In addition to the daily limit, the bank has set limits on monthly spending. For standard cards, this is 5 million rubles (200 thousand dollars and 150 thousand euros); for the Gold series - 10 million rubles ($ 400 thousand and € 300 thousand); for platinum cards - 50 million rubles (1.5 million dollars and 1 million euros). The daily limit for cash withdrawals from a Sberbank card applies to all types of withdrawals, including transactions using an ATM.

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Like any other financial institution, Sberbank sets its own limits on cash withdrawals from plastic cards.
In order not to find yourself in an unpleasant situation, and to avoid possible disputes with bank employees, you need to know and understand: “What is a limit? How much money can be withdrawn, and what do such restrictions depend on?”

Withdrawal limit - these are the restrictions set by the bank for receiving money using a plastic card. In other words, the user will not be able to withdraw a large amount of money from the card. Only a threshold amount will be available to him.

The maximum level of the limit is set by the Central Bank. However, banking institutions may change the withdrawal limits at their discretion. The main thing is that the amount does not exceed the threshold established by law.

Withdrawals are possible from both debit and credit cards. There are restrictions on both one and the other. The concept of "credit card limit" is a little different. In particular, it means - the maximum amount of money that the bank can issue to the client, as borrowed funds. This amount depends on the solvency of the client, and on his credit history.

The debit card limit is set based on the wishes of the bank itself, and depends on the following factors:

A type of plastic card;
Cash withdrawal method;

In addition, restrictions on plastic cards may also differ.

The cash withdrawal limit from a Sberbank card is of the following types:

One-time;
Daily;
Monthly.

Based on the names, we can conclude that a one-time limit is the amount that a plastic card user can withdraw in one operation. Daily limit - the amount available for withdrawal during the day. Monthly limit - the amount available for one month.

What are the withdrawal limits at Sberbank ATMs?

You can withdraw cash from Sberbank plastic cards both at ATMs owned by the bank itself and by third-party banks. There is only one limit on withdrawals from ATMs, and does not depend on belonging to a particular financial institution. However, it is worth remembering that when servicing at other ATMs, the user will be charged a commission in the amount of 1% of the withdrawal amount, but not less than 100 rubles.

The daily cash withdrawal limit at Sberbank ATMs is 50,000 rubles.

More detailed information about withdrawing money through an ATM is presented in the table:

Map type	Daily limit for an account in rubles	Monthly limit in rubles	USD account daily limit	Monthly limit in dollars	Daily limit for euro account	Monthly limit in euro
Visa Gold,	300 000	10 000 000	12 000	400 000	9 000	300 000
Visa Platinum, Platinum MasterCard	1 000 000	50 000 000	25 000	1 500 000	20 000	1 000 000
Classic card products	150 000 100,000 - for social, student	5 000 000	6 000	200 000	4 500	150 000

What are the restrictions on withdrawals at the cash desks of Sberbank

You can also withdraw cash from a card account through the cash desks of Sberbank. The amount available for withdrawal will be much higher.

It is important to remember that in bank branches, not the daily, but the monthly limit on the Sberbank card will be taken into account.

In order to cash out a large amount of money at Sberbank branches, it is necessary to notify employees in advance of such an intention, and to have not only a card, but also a passport with you.

It should be borne in mind that an additional commission may be charged from the user for such operations, in accordance with the established tariffs of the bank.

The amount of the limit for cash withdrawals at cash desks and ATMs of third-party banks

You can get cash from a Sberbank plastic card at any other bank. Regardless of where the transaction will be carried out through a cash desk or ATM, there are the following limits:

It is important to remember that third-party banks will in any case withhold a commission in accordance with their rates.

As noted above, absolutely all banks set the amount of restrictions in accordance with their rules. For example, VTB 24 Bank has set the following limits:

As you can see from the tables, the amount of the limit can be different. But the fact remains unchanged that the higher the status of the client's card, the more favorable its tariffs and conditions.

Sberbank is the largest financial institution in the country. It serves more than 4 million customers, 85% of them have plastic cards in their hands. In order for each of the clients to trust the bank and be calm about their money, a limit was introduced. It is believed that such restrictions will allow holders to protect themselves from fraudsters. In addition, the withdrawal of large amounts of money is possible only if there is confirmation from the cardholder.

Moreover, the bank is interested in making more non-cash transactions, which allows customers to make a huge number of payments without commissions and without leaving their homes.