Unicredit withdrawal without commission. Partner banks of Unicredit Bank - maximum withdrawal limit, commission amount

One bank is rarely large enough to cover the entire territory of any region of the country (Sberbank is an exception), therefore, to create additional convenience for its customers, any financial institution tries to use the infrastructure of other organizations, such as ATMs.

So what kind of partner banks does Unicredit Bank have?

On the territory of the Russian Federation, the list of partner banks of UniCredit Bank includes 3 financial institutions:

Thanks to this cooperation, UniCredit customers have the opportunity to pay loans or withdraw money without commission not only at their own ATMs, which currently number about a thousand devices, but also at 2,650 ATMs of URALSIB Bank, 900 ATMs of Moscow Credit Bank and 7,000 ATMs of Raiffeisenbank. In total, more than 11,000 devices. Agree - not a lot!

By the way, when dealing with terminals, do not forget to keep with you the details of the banking institution with which you often deal, Unicredit has them.

Let's look at the table with commissions.

When withdrawing cash using the Classic card at ATMs of UniCredit Bank, Moscow Credit Bank, URALSIB Bank and Raiffeisenbank, no commission is charged, regardless of the amount of the transaction. When withdrawing funds from third-party ATMs, the commission fee of the credit institution will be 1% of the transaction amount, but not less than 300 rubles. Other information can be clarified by phone, or, for example, in your personal account.

The presence of a wide partner network in the bank is a great advantage, because. allows its customers to avoid a number of inconveniences when servicing at third-party ATMs:

charging a commission, the amount of which quite often can be found out only after the operation
payment of the commission for withdrawing money twice (to the bank that is the card issuer and to the bank through whose ATM the operation is carried out)
the amount of the credit institution's remuneration for cash withdrawal may even exceed the amount of the transaction itself (this happens if the tariffs set the minimum commission for the transaction, for example, if the tariff for cash withdrawal from an ATM is 5% of the transaction amount, but not less than 200 rubles, then when withdrawing 100 rubles, the amount of the bank's remuneration will be 200 rubles.)

Understanding this, many financial institutions seek to expand their partner network, for which they enter into special agreements with other financial institutions. Under such agreements, customer service at such ATMs is carried out at more favorable rates. You can clarify the list of operating partner banks of Unicredit Bank and tariffs on the website or at the nearest office of the organization. However, the above information is also very reliable.

Almost all of us have faced a situation where we urgently need cash, but the required ATM is not nearby. Trying to quickly resolve the issue, many withdraw money in the first available device. However, having received the money, customers discover that the bank has written off a very impressive commission for such an operation.

Why is this happening? Earning on other services, financial institutions apply preferential conditions for cash withdrawals for their own clients. Within the framework of such tariffs, cardholders can often withdraw money absolutely free of charge from their own ATMs. The absence of commission for cash withdrawal allows credit institutions to attract more customers.

However, when withdrawing cash through the devices of other financial institutions, such a service is paid for the issuing bank, and, often, its payment is transferred to the client. In addition, often for such an operation, the client has to pay a double commission - the organization that issued the card, and the organization that owns the ATM.

For obvious reasons, customers of larger banks with a more developed ATM network are in a better position than cardholders of small and medium-sized credit institutions. Based on this, the solution to the issue of expanding its presence throughout the country is critical for small financial institutions to survive in the market.

To solve this problem, small and medium-sized organizations began to enter into partnership agreements on preferential service for their customers with other market participants with a large network of ATMs throughout the country. So did Unicredit Bank, having found several partner banks.

As a result of the conclusion of such agreements, as a rule, all interested parties of the transaction benefit:

plastic card holders can withdraw money on preferential terms at third-party ATMs
due to the maintenance of "foreign" cards, the banks-owners have the opportunity to significantly reduce the downtime of their devices
The involvement of partner networks in servicing their own clients allows card-issuing banks to reduce the cost of investing in the development of their network, as well as the costs of its maintenance
partnership in this area allows partner banks to attract new and retain old customers

Following market trends, UniCredit Bank is also expanding its presence in the market by creating an integrated ATM network with other organizations. The essence of cooperation lies in servicing the cards of partner banks without commission, at preferential rates. At first glance, having seen such a device, the client can safely withdraw money in this terminal.

However, not all so simple. Quite often, banking unions, achieved through lengthy negotiations, fall apart much faster than they are created. As a result, an ATM that has been dispensing cash without a commission for a number of years can, at the most unpredictable moment, write off a commission for cash withdrawal.

To avoid such an unpleasant situation, before carrying out a cash withdrawal operation, it is advisable to check in the call center, on the website or in the branch of the bank that issued the card, the relevance of information about the partnership with the bank that owns the ATM, and the conditions for such cooperation.

It should be noted that often a servicing credit institution cannot provide information on tariffs and limits on the issuance of funds. In this case, the client has to double-check the received information even twice - in the bank - the card issuer, and in the bank - the owner of this device.

UniCredit is one of the largest financial institutions with foreign capital in the domestic market. Due to the fact that the organization is a member of a large international financial structure, its clients can withdraw money without commission from ATMs of the UniCredit group in 17 European countries.

This opportunity allows Russians who are abroad on vacation or on official business to save an impressive amount of expenses on banking services. In the Russian Federation, Unicredit Bank's partner banks are 3 financial institutions - URALSIB Bank, Moscow Credit Bank and Raiffeisenbank.

In their ATMs, UniCredit plastic card holders can check the balance or withdraw cash without commission. But in the event that the client uses the services of other third-party terminals, such an operation will cost him 1% of the transaction amount, but not less than 300 rubles. Significant overpayment, isn't it?

However, in addition to the tariffs for cash withdrawal, before the transaction, the client should also clarify the presence and size of restrictions on the amount of the transaction.

If we analyze the above table at the beginning of the article, then the client can receive the maximum amount for one “approach” to an ATM at Raiffeisenbank, which will be up to 150 thousand rubles. However, when carrying out such an operation, it should be borne in mind that if there are only small bills in the ATM, for technical reasons the number of “approaches” can be increased.

When withdrawing large amounts of funds, it must also be remembered that, according to the limits of UniCredit Bank, a client can withdraw no more than 200,000 rubles per day. It is noteworthy that the maximum limit for cash withdrawals from one card at this credit institution's own ATMs is 50,000 rubles, and in a month a client can cash out only half a million rubles from one card account.

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 the 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 more than 1 million people. At present, UniCredit Bank in Russia has 104 representative offices in 36 cities of the country, including 38 offices in Moscow. Bank ATMs are located in all major cities. There is one representative office in Belarus, in Minsk.

Since 2013, UniCredit Bank's partner banks - 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 ensure that UniCredit Bank customers receive cash from debit cards at their ATMs without commission. Foreign and Russian partners of UniCredit Bank issue cash to credit card holders in accordance with the tariffs set for this product by its issuer. If currency conversion is required when withdrawing funds, then UniCredit Bank and its partners, including transactions through ATMs, will withhold a commission in accordance with the conditions specified for the card used by the issuing bank.

UniCredit clients in the offices of partner banks and other friendly organizations can also, for example, repay loans. The service is available in UralSib and VTB24 banks, as well as in:

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

These organizations charge a commission when UniCredit Bank clients make transactions.

Foreign partnerships

UniCredit Bank has a strong presence in 20 European countries. In addition to Russia, UniCredit Bank has partner banks in 50 countries with 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 - YapI 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 is not a Western Union partner bank. Unistream is also not a partner bank of UniCredit Bank: Western Union and Unistream are rather the group's competitors, since its representative offices also provide the ability to transfer funds throughout Russia and abroad without the need for the recipient to open an account.

Transfers in Russian rubles and foreign currencies 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 not necessary. A citizen will be refused a transfer 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 branches of UniCredit Bank's partner banks in Russia, you can use Russian Post offices and QIWI terminals. Funds are credited within 3 days.

Having an account with UniCredit Bank allows its customers to make transfers to 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 made by contacting UniCredit Bank accounts opened in all major world currencies with the most famous 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.

Brief background: the history of UniCredit Bank

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

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

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

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

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

Today, almost all payments can be made using a cashless payment, and to complete the operation, a card of any bank and funds in the account are enough.

There are situations when you need to buy something, but there is no cash. Today, almost all major banks give us the opportunity to withdraw money from our “native” ATMs as profitably as possible.

This offer is also valid for debit card holders, thanks to which no additional commission is charged when using UniCredit Group ATMs.

Therefore, you can easily use a special card in your city to find Unicredit Bank ATMs without commission.

What is the fee for withdrawing money

But there are also situations when cash is urgently needed and there are no self-service terminals nearby.

In such rare cases, you can use the ATMs of third-party banks, but it is worth remembering that they charge additional interest for withdrawals for their services.

Financial institutions can withdraw different amounts from the card for completing a transaction, arguing that they spend money on maintenance, collection, and other things.

It is worth noting that if you need to withdraw money from salary cards that were issued under an employment contract, interest for withdrawing money from Unicredit Bank is not charged. Remember that if you need to withdraw cash from a Visa / Mastercard credit card, the commission is paid according to the tariff plan that you use.

In such cases, removed interest can vary from 2 to 5% . It is not recommended to use ATMs of third-party banks, because they will not only withdraw money for cashing out funds from credit cards, but will additionally charge their own.

You can top up the card through any terminal of the UniCredit group and this will not be accompanied by additional commissions.

Here are a few factors that do not please credit card holders if it becomes necessary to use third-party ATMs:

Commission amount. Very often, they do not write in the menu how much money will be withdrawn for their services, and you can find out only after the operation;
If the tariff plan provided for the use of a third-party ATM, then you can pay a commission twice. Be sure to check everything with the consultant so as not to get into a mess;
The minimum amount that is withdrawn in addition to interest. Some organizations may set a minimum commission, which will be withdrawn in any case, regardless of the cashout amount. For example, ATM set a commission of 5% of the withdrawal , but the minimum commission should not be less than 100 rubles. In this case, 250 rubles will be withdrawn, even if you only need 200.

Therefore, very often banks draw up special agreements between themselves in order to attract more customers to themselves and make tariffs more loyal. Thanks to this, the service area is expanding and ATMs of the partner group do not charge interest for cash withdrawals.

The current list of partners can be obtained from a UniCredit Bank consultant or on the official website. When registering an account, the employee must tell you how it is more profitable for you to withdraw funds from the card.

When using the "Classic" card in ATMs from UniCredit, URALSIB, Moscow Credit Bank and will not be charged. In these ATMs of Unicredit Bank partners, you can cash out any amount without commission. Subsequent transactions will be credited 1% commission from the withdrawal amount, but not less than 300 rubles.

Check out the offers of banks

Card with cashback in Rosbank

Issue a card

More about the map

Cashback up to 7% - for selected categories;
Cashback 1% - for all purchases;
Bonuses, discounts on goods and services from VISA;;
Internet banking - free of charge;
Mobile banking - free of charge;
Up to 4 different currencies on 1 card.

Card from PromsvyazBank

Issue a card

More about the map

Up to 5% cashback;
Cash withdrawal without commission at partner ATMs;
Internet banking - free of charge;
Mobile banking is free.

Card from Home Credit Bank

Issue a card

More about the map

Up to 10% cashback from partners;
Up to 7% per annum on the account balance;
Withdrawing funds from ATMs without commission (up to 5 times a month);
Apple Pay, Google Pay and Samsung Pay technology;
Free internet banking;
Free mobile banking.

More about the map

Cashback up to 10% from gas stations
Cashback up to 5% from bills in cafes and restaurants
Cashback up to 1% on all other purchases
Up to 6% per annum on the balance
Card service - free of charge;
Free internet banking;
Free mobile banking.

Card from Tinkoff Bank

Issue a card

The modern banking system resembles a web: all financial institutions are closely intertwined, have correspondent accounts, joint networks of ATMs and perform two-way transactions.

If you are looking for information about UniCredit Bank, addresses of its branches, as well as information about who it cooperates with, then this article is just for you.

A little about the bank

UniCredit Bank JSC, operating in Russia since 1989, occupies a leading position in the financial services market. It should immediately be noted that it is the largest among those institutions that have foreign capital. All shares are owned by UniCredit Bank Austria AG, headquartered in Austria.

It is one of the largest banks in Russia, playing an important role in the financial and economic life of society.

What services does it provide?

Since UniCredit Bank is one of the largest players in the banking services market, the list of its financial products is quite wide. These are loans, deposits, acquiring, settlement and cash services and much more.

If we talk about deposit programs, then the bank's policy does not go beyond the average framework of established market norms. For example, for 3 months for a deposit in rubles - about 9.3%. Of course, you can easily find financial institutions that offer 3-4% more than UniCredit Bank. St. Petersburg is no exception, here you can also find bank branches that offer higher rates.

The market policy is the same as that of all large banks with foreign capital

But one can notice the trend and market conditions under which all banks that have foreign capital offer cooperation. Since they are financed in foreign currency, they do not need a high need for cash from the US or the European Union. This is reflected in the low rates on deposits in dollars or euros (about 1-3%).

it is the image of a bank that belongs to a foreign financial group with a high image. Of course, people trust such institutions more and are ready to give them money, considering them a reliable place to store their savings.

After all, who do you want to give your money to - a bank that exists for one week or a large financial group that has been operating for a large number of years and is represented in a certain number of foreign countries?

After all, foreign capital is protected from the political situation or problems of the economy of one country, since, if necessary, financial resources can be easily transferred from outside.

All this contributes to the fact that large banks that are part of an international financial group do not need to conquer the market by increasing the offered rates on deposits.

Mutually beneficial cooperation

The issue of partnership with other banks, despite the excellent positions, is one of the priorities. In this article, you will learn about UniCredit Bank's partner banks, how to take advantage of a wide partner network and other benefits of such banking relationships.

Banks often agree on cooperation in order to increase the number of active customers. Typically, such cooperation is manifested in the combination of ATM networks, making payments at preferential prices, as well as the joint maintenance of several financial services.

What are the partner banks of Unicredit Bank?

Due to the fact that this bank is part of an international group, it is very pleasant for customers to travel abroad, as there are many connected banking institutions.

Thus, the UniCredit group is represented in 14 European countries, such as Austria, Bulgaria, Hungary, Germany, Italy, Poland, Turkey, Ukraine, etc. That is, even while traveling, you can use ATMs and bank services on preferential terms.

If we consider on the scale of the Russian Federation, then the partner banks of UniCredit Bank are as follows:

URALSIB Bank;
Raiffeisenbank.

What gives such cooperation? First of all, customers have access to a wide network of ATMs, in which it is possible to withdraw money without a commission: about 1000 of their own, more than 2680 pcs. has URALSIB, about 900 pcs. from the Moscow Credit Bank, more than 7000 pcs. belongs to Raiffeisenbank.

It turns out that the clients of JSC "UniCredit Bank" have access to a network of more than 10,000 ATMs, where they can be serviced at "home" tariffs. That is, the commission charged for operations is the same as it would be in your financial institution.

It turns out that including partner banks of UniCredit Bank, the customer service network is quite large, and wherever you are, there will always be an opportunity to use banking services.

Banks like to cooperate with insurance companies

The main advantage of such cooperation can be considered agency, which the bank receives for attracting new customers under the auspices of the insurance company. In this case, cooperation is beneficial to both parties.

Firstly, the client base will immediately expand, because the bank has a lot of opportunities to offer its customers insurance - a new or old loan, cross-selling to other banking products, and others.

Secondly, the insurance company will not need to "produce" a lot of its representative offices throughout the city. It is enough just to establish a mobile connection with the bank.

For all this, the bank takes a certain percentage, which is called the agency premium. UniCredit Bank, whose insurance partner companies have established active cooperation, also earns money from this, and quite good, given the large number of contracts concluded.

And there are really a lot of partners among insurance companies, and very different ones. The following most famous ones can be distinguished: Ingosstrakh OSAO, Rosgosstrakh OJSC, AlfaStrakhovanie OJSC and many others.

Where can you find bank branches?

Since this financial institution is large enough for the Russian market, branches are present almost everywhere. UniCredit Bank, whose branches are represented in 25 regions of the country, is present in 69 cities.

Moreover, in each of them you will find not one, but several or many branches, ATMs and offices, which makes the bank closer to each client. Wherever you live, you can always find UniCredit Bank nearby. St. Petersburg accommodates 15 branches and offices of this financial institution. This is quite a large number of branches, especially in comparison with other banks.

It is logical that in Moscow, the capital of Russia, which is the financial center of the country, there are more representative offices from such a financial institution as UniCredit Bank. Branches can be found both on Prospekt Mira, 97, and st. Ostozhenko, d. 5. These offices are given as an example as one of the most popular.

Even if you live in Rostov-on-Don, you can easily find UniCredit Bank. Addresses of popular branches are as follows: st. Socialist 58/51 and st. Tekuchev 139/94.

Even if there is no such bank in your particular city and you think that you will not be able to withdraw money from an ATM without commissions, then do not worry. UniCredit Bank's partner banks in Russia will help you out. As mentioned earlier, in the unified banking network, operations at their ATMs are charged in the same way as in the own machines of the financial institution serving you.

There is a desire to acquire banking plastic with a package of services that opens up wide opportunities - the debit card of UniCredit Bank is worthy of attention. The review introduces the terms of use of 5 products, helping you choose the most profitable one.

All cards of payment systems MasterCard Worldwide and Visa Int. from UniCredit Bank have common advantages:

free SMS-informing and connection to Phone.UniCredit - information system by phone without participation of bank specialists;
free cash withdrawal abroad at ATMs of financial institutions of the UniCredit group;
no penalties for unauthorized overdraft;
technologies of contactless payments PayPass / payWave.

Service package "Classic"

The Classic package includes:

MasterCardStandard or Visa Classic card;
cashback in the amount of 1% of the cost of any purchases, except for the exceptions listed on the website of the issuing bank. The minimum amount is 30 rubles per month, the maximum is 3,000 (hereinafter, the default is rubles);
free replenishment of the card account through the Internet bank or mobile application in the amount of up to 75 thousand per transaction, up to 300 thousand / month;
two free cash withdrawals at any ATMs in Russia;
one free additional card in the name of the holder or his relative (optional);
participation in the MasterCard Priceless Cities / Visa Bonus program.

The limit on cash withdrawals from classic debit cards is 200 thousand rubles. / $5 thousand / €5 thousand per day, 500 thousand rubles / $20k / €15k / month

Commission for cash withdrawal from UniCredit Bank debit cards at the issuer's cash desks - 0.5%, not less than 300 rubles, at ATMs and cash desks of third-party financial organizations - 1%, min 300.

Commission for Card2Card transfers to other banks - 1.5%, min 50, for interbank ruble transfers using details from the main card - 0.3%, min 20, max 150.

Maintenance of the Classic package is free of charge under one of the following conditions:

average monthly balances on all accounts and deposits of the holder are at least 100 thousand;
average monthly balances min 30 thousand plus the amount of purchases on the card from 10 thousand / month;
the amount of purchases from 30 thousand / month.

If they are not fulfilled, 150 rubles will be charged. / month

Advantages of the Classic package:

the cheapest service;
the most loyal conditions of free service.

the lowest cashback;
the smallest number of free additional cards;
no free cash withdrawal at any ATM without restrictions;
compared to "Gold" and "Extra" - the lack of privileges for holders of gold and platinum plastic;
compared to the "No Borders" and "Drive" packages - the lack of appropriate options for travelers and car enthusiasts.

Service package «Gold»

With the Gold package, the client receives:

Visa or Mastercard gold card;
cashback up to 3% for any purchases - 1% for the first spent 50 thousand / month, 2% for the amount from 50 to 100 thousand, 3% for the amount exceeding 100 thousand. For example, with an amount of expenses of 130,000: 50 thousand. x 1% + 50 thousand x 2% + 30 thousand x 3% \u003d 2,400;
free cash withdrawal of rubles in any ATMs in the Russian Federation;
4 free additional UniCredit Gold debit cards;
participation in the MasterCard Priceless Cities / Visa Premium program;
travel insurance abroad.

The minimum and maximum cashback amounts, conditions for replenishing a card account through an Internet bank and a mobile application, transfers to other banks are the same as for a classic card.

Cash withdrawal limits from gold cards - 250 thousand rubles. / $7.5 thousand / €7.5 thousand per day, RUB 1.5 million / $50k / €50k / month

Commission for cash withdrawal in foreign currency - 1%, min 300.

The Gold package is free under one of the following conditions:

average monthly balances on deposits and accounts of at least 400 thousand;
average monthly balances min 100 thousand plus the amount of purchases on the card from 20 thousand / month;
the amount of purchases from 50 thousand / month.

In other cases - 500 / month.

Package pros:

compared to "Classic" and "Drive" - free cash withdrawal of rubles in the Russian Federation without restrictions, higher cashback and cash withdrawal limits, more "additional payments" and privileges;
compared to "Extra" - cheaper service / better conditions for free.

compared to "Classic" - more expensive service / more difficult conditions for free;
compared to "Extra" - lower cashback, fewer privileges and additional features.

Service package "Extra"

In the "Extra" package, the client is provided with:

Visa Platinum;
cashback for everything up to 5%, accrued similarly to the Gold package. The minimum size is 100, the maximum is 4,000 / month;
free ruble interbank transfers (for the holder of the main card);
2 free foreign currency withdrawals per month;
5 free additional platinum cards;
participation in Priority Pass - access to business lounges of airports around the world;
preferential rate of remote currency exchange (in the Internet bank and mobile application);
20% discount on safe box rent;
dedicated telephone support line for VIP clients.

Just like with the gold package, the holder has access to free ruble cash withdrawals at any ATMs, participation in the Visa Premium privilege program and insurance when traveling abroad.

Commissions for cash withdrawals at the issuer's cash desks, foreign currency withdrawals starting from the third transaction per month and Card2Card transfers to other banks are the same as for cards of lower categories.

Cash withdrawal limits are the same as for Gold cards.

The service is free provided:

average monthly balances on accounts and deposits of at least 1.5 million;
or average monthly balances of at least 500 thousand and the amount of purchases from 50 thousand / month.

If both conditions are not met, 1.5 thousand rubles are withheld.

Package pros:

the highest cashback when spending more than 100,000 / month;
free interbank;
the greatest number of privileges and opportunities;
many others compared to "Classic" and "Drive".

the most expensive service;
the most difficult conditions for free service;
compared to the "Without Borders" package, the conditions for withdrawing cash foreign currency are worse.

Package of services "Without borders"

In the "Without Borders" package, a UniCredit Visa Air debit card is issued to the client, participating in the bonus program for travelers.

Its holder has access to:

mile bonus program with miles accrual not only for purchases, but also as a percentage of the balance of funds;
free cash withdrawal at any ATMs in the world;
4 free "doks";
overseas emergency support from GCAS;
legal and medical support while traveling.

Also, with Visa Air plastic, insurance is provided when traveling abroad, participation in the Visa Premium program.

Package maintenance cost - 500 / month.

best conditions for cash withdrawal;
bonus program and other options for travelers;
privileges from Visa Int.

more expensive service compared to "Classic" and "Drive";
fewer privileges compared to "Extra".

Service package "Drive"

The Drive package includes the MasterCard World autocard participating in the Priceless Cities program. You can order 2 free "doks" for it.

"Drive" entitles a UniCredit client to free roadside assistance from the Russian AutoMotoClub by calling the hotline 8(800)...

For purchases at gas stations, an increased cashback of 3% is charged, for other expenses - 1%.

Conditions for cash withdrawal, replenishment through remote services of the issuer, etc. are similar to the Classic package.

Maintenance cost - 300 / month.

Pluses "Drive" - in the specified options for motorists.

lack of shareware service;
higher cost compared to "Classic";
lack of cash withdrawal conditions, privileges and additional features available with the packages "Gold", "Extra", "Without Borders".