Today each of us is the owner of a bank card.
Many are already accustomed to paying for goods and services, carrying out Money transfers between cards without leaving home. But cash is indispensable, and this banking operation may turn out to be paid.But, as the well-known expression says, "you have to pay for everything." The only question is how to reduce the fee? Often, funds without additional commission can be withdrawn not only at the bank that issued the card, but also at partner banks.
We bring to your attention cash withdrawal fees overview from payment (debit) cards banks of Belarus.
Name of the bank |
Partner banks |
Operations |
Operations |
Absolut Bank | does not issue cards | ||
Alfa Bank | BelVEB, Moscow-Minsk, BelSwissBank, Technobank, RRB-Bank, Idea Bank, VTB-Bank. |
Alfa Bank, BelVEB, Moscow-Minsk, BelSwissBank, Technobank, RRB-Bank, Idea Bank, VTB Bank. |
Cash withdrawal: other 2% (min 1 BYN;). Balance view: free viewing of the balance 2 times a day, then 0.5 BYN per operation. |
VTB (Belarus) |
Banks |
Banks |
Cash withdrawal: other 2.5% (min 4 BYN;). Balance view: In all ATMs of partner banks 1 viewing per month is free, then 1 BYN. Viewing in ATMs of VTB Bank is free. |
Moscow-Minsk |
BelVEB, |
Bank Moscow-Minsk |
Cash withdrawal: ~ in Belarusian rubles - 2%, Balance view: in the Bank's devices (every third and subsequent times a day) 0.5BYN ~ partner banks 1 BYN. |
Belagroprombank | Belarusbank, Belinvestbank, Belgazprombank. |
Belagroprombank, Belarusbank, Belinvestbank. |
Cash withdrawal: other 2.5% (min 3 BYN, 3 $ / €). Balance view: ~ partner banks 0.1 BYN, |
Belarusbank | Belagroprombank, Belinvestbank, BPS-Sberbank. |
Belarusbank |
Cash withdrawal: ~ in other banks 3%; Balance view: ~ partner banks 0.1 BYN, |
BelVEB | Alfa Bank, Moscow-Minsk, BelSwissBank, Technobank, RRB-Bank, VTB-Bank, Idea Bank. |
BelVEB |
Cash withdrawal: other 2% (min 6 BYN). Balance view: In partner banks from the 4th viewing - 2 BYN. In other banks - 2 BYN. |
Belgazprombank | MTBank, VTB (Belarus), Belagroprombank, Belpochta. |
Belgazprombank, ATMs in dep. Belpochta, MTBank (only Visa), VTB (Belarus) (only Visa). |
Cash withdrawal: other 2.5%. Balance view: other 0.5 $. |
Belinvestbank | Belagroprombank, Belarusbank, MTBank (only Visa). |
Belinvestbank |
Cash withdrawal: ~ Banks partners: not charged ~ at other banks 2.5% (min 2 BYN, 3 $ / €) Balance view: ~ partner banks 0.15 BYN / 0.2 $ / euro, |
Belorussian |
Belarusbank, BPS-Sberbank, Belagroprombank, Belinvestbank, Paritetbank, Bank Solution, Fransabank, Zepter Bank, BTA Bank. |
Belarusian Narodny Bank |
Cash withdrawal: ~ partner banks 1.5% (min 1.5 BYN;), Balance view: 0.7 BYN / 0.5 $ / €. |
BelSwissBank | BelVEB, Moscow-Minsk, Alfa Bank, Technobank, RRB-Bank, Idea Bank. |
BelVEB, Moscow-Minsk, Alfa Bank, Technobank, RRB-Bank, Idea Bank. |
Cash withdrawal: other 2 - 2.5% * (min 2 BYN, 4 $ / 3 €) Balance view: ~ partner banks for each viewing |
BPS-Sberbank | Belarusbank, Priorbank, Banks of the Sberbank of Russia group: -Sberbank of Russia OJSC (RF), -DB JSC "Sberbank" (Kazakhstan), -JSC "Sberbank of Russia" (Ukraine), -Denizbank (Turkey). |
- |
Cash withdrawal: ~ at bank ATMs and Balance view: ~ in banks and ATMs of Belarusbank 0.2 BYN ~ other banks and ATMs 2 BYN per request. |
BTA Bank |
Belinvestbank, |
BTA Bank |
Cash withdrawal: ~ partner banks 1.5% (min 3 BYN, 3 $ / €) Balance view: ~ partner banks 0.15 BYN or 0.1 $ / €), |
Eurotorginvestbank | does not issue cards | ||
Idea Bank | BelVEB, Moscow-Minsk, Alfa Bank, Technobank, RRB-Bank, BelSwissBank. |
ATMs Idea Bank |
Cash withdrawal: ~ IdeaBank cash desk 0-2% *, Balance view: ~ IdeaBank and partner banks from 3rd view |
MTBank | Belgazprombank, Belinvestbank, Belpochta. |
MTBank, ATMs in dep. Belpochta, ATMs of partner banks. |
Cash withdrawal: ~ partner banks ATM - not charged, VAT - 2.5%, Balance view: ~ ATMs of partner banks from the 4th view |
Paritetbank | Belarusbank, Belagroprombank, BPS-Sberbank, Belarusian Narodny Bank, Bank "Decision", Zepter Bank, Belinvestbank, BTA Bank. |
Paritetbank |
Cash withdrawal: ~ partner banks - not charged *, * depending on the type of card. Balance view: ~ other 1.5 BYN / 0.7 $ / 0.7 €. |
Priorbank | Belpochta. | Priorbank, ATMs in Belpochta department |
Cash withdrawal: ~ other: 200 BYN / month no commission, over 200 BYN / month 3% (min 5 BYN, 3 $ / €). Balance view: ~ ATMs of Priorbank from the 5th viewing in |
RRB-Bank | BelVEB, Moscow-Minsk, Technobank, Alfa Bank, Idea Bank. |
RRB-Bank |
Cash withdrawal: ~ other 0-2% *. Balance view: banks are not partners 0.5 BYN, 1 $ / €. |
StatusBank | Belgazprombank, Belagroprombank. |
StatusBank |
Cash withdrawal: ~ Belgazprombank - 1% of the amount (min 2 BYN). ~ other 2% (min 2 BYN) *. Balance view: 1 BYN per operation ;. |
Technobank | BelVEB, Moscow-Minsk, BelSwissBank, RRB-Bank, Alfa Bank, Idea Bank. |
Technobank, BelVEB, Moscow-Minsk, BelSwissBank, RRB-Bank, Alfa Bank, Idea Bank. |
Cash withdrawal: ~ other 2% (min in currency 3 $ / €). Balance view: ~ Technobank and partner banks 0.15 BYN / 0.15 $ / 0.15 €, ~ other 0.79 BYN / 0.8 / 0.8 € |
TC Bank | does not issue cards | ||
Bank "Decision" | Belarusbank, Belagroprombank, BNB-Bank, Paritetbank, Zepterbank, BTA Bank, Fransabank. |
Bank "Decision" |
Cash withdrawal: ~ partner banks from 1.5% of the issued amount, ~ other banks 2.5% or min 2 BYN / 2 $ / 2 €. Balance view: ~ partner banks 0.3BYN / 0.3 $ / 0.3 €, |
Fransabank | Belinvestbank, Belagroprombank, BPS-Sberbank, Paritetbank, Belarusian Narodny Bank, Bank "Decision", Zepter Bank, InterPayBank, BTA Bank. |
Fransabank |
Cash withdrawal: other 2%. Balance view: partner banks 0 BYN. |
Home Credit Bank | does not issue payment cards | ||
Tseptr Bank | Belinvestbank, Belagroprombank, BPS-Sberbank, Paritetbank, Belarusian Narodny Bank, Bank "Decision", Fransabank, InterPayBank, BTA Bank. |
Tseptr Bank |
Cash withdrawal: other banks (including partners) 2.5%. |
OJSC ASB Belarusbank occupies a leading position in the financial and credit system of Belarus in many parameters, such as profit, volume equity capital, the number of sold credit products. The bank's activities are recognized in the professional environment at home and abroad.
Partner banks
The head office of Belarusbank is located in the capital of the republic, and the network of branches covers all territories of the country. To improve the quality of customer service, Belarusbank entered into partnership agreements with credit institutions. Which confirm the financial stability and high responsibility on the part of the bank. The bank's partners for a long time have been three credit institutions:
- BPS-Sberbank;
- Belinvestbank;
- Belagroprombank.
Belarusbank is very careful in choosing partners. Acts on the principle - less is better. The partner must be reliable and provide customers with a high level of service.
Target
The main goal of concluding a cooperation agreement is to create more comfortable conditions for clients. Indeed, in partner banks, Belarusbank customers can perform banking operations on the same conditions as in a corporate bank.
Partnerships make it possible to increase the level of accessibility of Belarusbank services - there is no need to waste time searching and moving to Belarusbank service points. If there are offices or self-service devices of partner banks near your home or place of work. Indeed, in ATMs and cash desks of banks "BPS-Sberbank", "Belinvestbank" and "Belagroprombank" you can withdraw cash and make a payment without charging a fee.
The partnership is beneficial for the banks themselves participating in the scheme. Institutions save a lot of money on installation and maintenance of software and hardware systems designed for automated issuance and acceptance of cash, as well as for others banking operations... Of course, they pay the rent to the bank that owns the terminal. But the amount of rent is not comparable to the cost of purchasing and maintaining your own device.
Operations in devices of partner banks
Clients of Belarusbank can receive cash at ATMs of banks cooperating with their "relatives" without paying commissions and without restrictions on amounts.
For replenishment of a payment card, a fee is charged within 1.5 percent of the deposited amount. You can deposit from one to one thousand Belarusian rubles.
The service of viewing the balance of the card account is provided free of charge.
JSC "ASB Belarusbank" is a backbone financial and credit institution of the country. It was registered by the National Bank in October 1995, has a license from the Ministry of Finance for the right to carry out exchange operations with securities.
The priority area of activity is serving the general population. Belarusbank is actively involved in lending to agricultural and industrial enterprises, takes part in investment projects, implements social programs(including those related to support for the poor).
Branches are widely represented not only throughout Belarus - there are also foreign branches in Germany, Russia and China. Belarusbank is constantly expanding the range of banking services, actively introducing advanced solutions, and issuing various types of credit and payment cards.
The bank regularly ranks first among all Belarusian financial and credit institutions in terms of indicators such as:
- the amount of assets;
- the amount of capital;
- customer funds.
It is one of the leaders in terms of net profit. Branches and ATMs of "Belarusbank" are widely represented not only in the capital and regional centers, but also in small towns. This is one of the main differences in comparison with most other financial and credit institutions in the country, which prefer to work mainly in large cities.
ATM partners without commission
Belarusbank ATMs are represented throughout the country. In 2018, there were 218 devices for issuing cash in Minsk (in total, 1195 ATMs from various financial and credit institutions were installed in the capital).
The service network is significantly expanding due to partner banks, which include:
Each of them has its own wide representation, which contributes to the maximum coverage of the country's territory with ATMs, in which Belarusbank cardholders can withdraw money and view the balance without commission.
Non-cash money has long and firmly become an integral part of our daily life. Absolute majority salaries is transferred to employees to their current accounts, for access to which a tool such as a bank payment card... And just current accounts, as a rule, are drawn up with the issue of a card to access them. Every day the network of trade and service enterprises accepting non-cash payments is expanding.
But there are still cases when you need to quickly withdraw cash from the card, and there is no ATM of the bank that issued the card nearby. In this case, banks enter into partnership agreements with other banks in order to give their customers the opportunity to cash out money from their account without commission to the partner bank, through whose ATM the issuance takes place.
To save bank customers on commissions for cashing out, we have prepared a list where partner banks give their customers the opportunity to withdraw money from an ATM without interest.
To simplify, consider partner ATMs for ruble current accounts. Although, as practice shows, affiliate programs almost always extend to both salary and currency cards.
In the table, banks are sorted by convenience for the client (the number of partners, the availability of programs, the list of serviced cards).
Table. ATMs that allow you to withdraw money without commission.
Bank |
Card type |
||
Mastercard |
Belkart |
||
Alfa Bank |
Bank BelVEB, VTB Bank, Bank Moscow-Minsk, BSB Bank, Idea Bank, RRB-Bank, Technobank |
||
Bank BelVEB |
Alfa-Bank, Bank Moscow-Minsk, BSB Bank, Idea Bank, RRB-Bank, Technobank |
||
Alfa-Bank, Bank BelVEB, Bank Moscow-Minsk, Idea Bank, RRB-Bank, Technobank |
|||
Technobank |
Alfa-Bank, Bank BelVEB, Bank Moscow-Minsk, BSB Bank, Idea Bank, RRB-Bank |
||
Priorbank |
Without a package of services: up to 200 BYN per month, at any ATM; up to 5,000 BYN per month, in the branches of RUE "Belpochta" |
||
With a package of services: |
|||
free - at any ATM up to a certain amount, depending on the package |
|||
Belagroprombank |
Belarusbank, Belinvestbank, Belgazprombank |
||
Belarusbank |
Belagroprombank, Belinvestbank, BPS-Sberbank |
||
Belgazprombank |
VTB Bank, Belagroprombank, MTBank |
Does not release |
|
Belinvestbank |
Belagroprombank, Belarusbank, MTBank |
Belagroprombank, Belarusbank, MTBank - Belkart-Premium-Maestro cards "life :)" Belagroprombank, Belarusbank - Belkart-Premium-Maestro cards (Motsnaya) |
|
Belgazprombank, Belinvestbank, branches of RUE "Belpochta" |
Does not release |
||
BPS-Sberbank |
Belarusbank, Priorbank (until the end of 2018) |
Belarusbank, Belagroprombank |
|
Idea Bank |
Only Idea Bank Visa Gold ("PRIME") - in any free |
Only Idea Bank |
|
BNB-Bank only Visa Infinite - in any for free |
BNB-Bank only |
||
Bank Solution |
Bank Only Solution |
||
Only BTA Bank |
|||
RRB-Bank only |
|||
VTB Bank only |
Does not release |
||
Bank Moscow-Minsk |
IMB only |
Does not release |
|
Paritetbank |
Paritetbank only |
Does not release |
Paritetbank only |
Zepter Bank |
Only Zepter Bank |
Does not release |
Only Zepter Bank |
Fransabank |
Does not release |
Fransabank only |
Issue of BELKART-Standard cards has been suspended from 09.07.2018 |
StatusBank |
Does not release |
Bank cash desk |
Does not release |
As you can see, almost half of the banks have no partners, and StatusBank does not issue cards at all. Moreover, partnership agreements are absent, mainly in small banks. Typically, partnerships are often not reciprocal. So, although VTB Bank itself acts as a partner, there are no partner ATMs for its customers. And no wonder: the partnership is free for the client, but not for the bank.
It is worth noting that, like most agreements, interbank partnerships also have their own term. And from time to time partners become "former". For example, Priorbank, which no longer cooperates with Belagroprombank. He is a partner of BPS-Sberbank until the end of the year, but will it be further? Thus, the relevance of the information does not last long and it is useful to clarify on the website of your bank who is its current partner. And the always available Internet makes it easy to clarify this issue.
Many users bank cards know which ATMs are “friendly” with their bank in order to withdraw money without commission. However, banks sometimes change processing centers, which means that the conditions for holders of "plastic" become different. FINANCE.TUT.BY found out in which banks, besides yours, it is now possible to withdraw cash without commission, and if it is still present, what will have to be donated.
The table provides information on personal debit cards holder, actual at the time of the release of the material.
If you have a salary project, there may be other conditions for withdrawing cash, they need to be clarified directly at the branches of your bank.
Bank's name | Where can I withdraw cash for free (partner banks) | Commission for withdrawing cash at other banks |
---|---|---|
Alfa Bank | Bank BelVEB, Bank Moscow-Minsk, BSB Bank, Idea Bank, RRB Bank, Technobank. | 3% minimum 1 ruble |
Bank BelVEB | Technobank, Alfa-Bank, Bank Moscow-Minsk, BSB Bank, RRB-Bank, Idea Bank. | 3% of the amount, at least 6 rubles. |
Bank Moscow-Minsk | only at their ATMs | 2% of the amount. If in foreign currency - 2% + 3 USD / 3EUR. |
Bank Solution | only at their ATMs | For other ATMs - 2.5% of the withdrawal amount. |
Belagroprombank | For a MasterCard or Visa card, you can withdraw the amount at ATMs of Belarusbank, Belinvestbank and Belgazprombank (but viewing the balance costs 5 kopecks). If a Belkart card, then without a commission it will be possible to withdraw additionally at BPS-Sberbank ATMs. | Commission - 2% (min. RUB 1.50 / USD 3 / EUR 3 / RUB 55) depending on the account currency. |
Belarusbank | Partner banks: Belagroprombank, BPS-Sberbank, Belinvestbank. | Classic - 2% (minimum 3 rubles), for Belkart - 2% (minimum 0.50 rubles). The commission of another bank is not taken into account. |
Belgazprombank | For Visa cards- VTB Bank (Belarus), MTBank and Belagroprombank. For MasterCard - MTBank and Belagroprombank. | MasterCard Standard or Visa Classic - 3% of the amount |
Idea Bank | Bank Moscow-Minsk, Alfa-Bank, RRB Bank, Technobank, BelVEB, BSB Bank. | The maximum commission is 2.5% of the amount, at least 2 rubles. For cards "MORE" and "PartyCard" - 2.5% of the amount, at least 3 rubles. Free cash withdrawal for the card "On health" Money v Belarusian rubles in all ATMs on the territory of the Republic of Belarus for an amount not exceeding 2,000 rubles. |
MTBank | Belinvestbank and Belgazprombank. Also in the branches of RUE "Belpochta" | 2.5% of the amount. |
Paritetbank | Only at their own ATMs. | At ATMs and cash desks of other banks, a commission of 3% of the amount will be charged. On the part of Paritetbank, there may also be a commission from another Bank. |
Priorbank | Belagroprombank and BPS-Sberbank. For Belkart card - only Belagroprombank. | Commission for MasterCard cards Standard or Visa Classic (out of bundle service) until February 2 - 3%, minimum 4 rubles. After February 2, it will be possible to withdraw without commission only in Priorbank, in other banks up to 200 rubles. - no commission, more - 3% of the amount (minimum 5 rubles) These rates are valid only until February 2. |
RRB-Bank | Only at their own ATMs. | For Visa Clasis, Visa Gold and Visa Platinum commission - 2% of the amount, at least 3 rubles or 3 USD (if you withdraw currency). |
Technobank | Alfa-Bank, Bank BelVEB, Bank Moscow-Minsk, BSB Bank, Idea Bank, RRB-Bank. You need to pay attention to the tariff plan of the card. | At third-party ATMs, 2% of the withdrawal amount, if you withdraw currency, then at least 3 USD. |
Fransabank | only at their ATMs | Commission for withdrawing cash from ATMs in the territory of the Republic of Belarus - 2%, outside - 2.5% of the amount. |
Zepter Bank | You can withdraw in Belarusbank, but without looking at the account. | Commission for withdrawing cash from ATMs in the territory of the Republic of Belarus - 2.5%, outside - 5% of the amount. |
Belarusian Narodny Bank | only at their ATMs | Commission in the network of the banking processing center: Belarusbank, BPS-Sberbank, Belagroprombank, Belinvestbank - 2% of the amount, at least 3 rubles. Others - 2.5%, minimum 3.50 rubles. |
Belinvestbank | For Visa and Mastercard, partner banks: Belarusbank, Belagroprombank, MTbank. | Commission in other banks when withdrawing Bel. rubles 2.5% of the amount (minimum 2 rubles). |
BSB Bank | Bank BelVEB, Bank Moscow-Minsk, Alfa-Bank, Technobank, RRB-Bank and Idea Bank. | 2% of the amount (minimum 2 rubles). |
BTA Bank | Only at their own ATMs. If the card is salary, it will be possible to withdraw for free at ATMs of other banks (depending on the salary project). | Commission for cash withdrawals in the network of the Banking Processing Center 1.5%, at least 3 rubles, in the rest - 2% percent, at least 3 rubles. |
BPS-Sberbank | For Visa and Mastercard, partner banks: Belarusbank and Priorbank. For Belkart - Belarusbank and Belagroprombank. | Commission - 4% of the amount, at least 5 rubles |