Raiffeisenbank #vse srazu debit card: review

When choosing a debit card, applicants have different goals. Some need an inexpensive payment tool for receiving their salary. Others want a card with a lucrative cashback program. Still others are looking for plastic with a high interest rate on the account balance. Raiffeisenbank has taken user needs into account and issued the #vse srazu debit card, which is currently in high demand among residents of the Russian Federation. Because it allows you to pay for everything quickly and without hassle, the Raiffeisenbank #vse srazu debit card is an excellent solution for both ordinary citizens and business people. It supports contactless payment technology, which is convenient.

Raiffeisenbank debit card: terms

Judging by reviews, Raiffeisenbank offers free maintenance for the entire validity period of the #vse srazu card and favorable terms.

• Card top-up

Free cash top-ups are available at the bank's own ATMs as well as at partner terminals. To top up the card without commission fees, you can use the company's official website or Raiffeisen-Online internet banking. Another option is topping up from any bank's card. You can also top up your account without commission at branch cash desks, provided the amount is at least 10,000 RUB.

• Cash withdrawal

Commission-free cash withdrawals are only available at Raiffeisenbank ATMs and partner ATMs. A fee of 0.7%, but at least 300 rubles, applies if cash is deposited at the cash desks of the financial institution's branches or structural units. When using services of other banks, a fee of 1.0% of the amount is charged, but not less than 100 RUB.

• Card-to-card transfers

If you want to avoid commission fees, it is best to use the mobile app or internet banking for card-to-card transfers (referring to Raiffeisenbank plastic). In other cases, a fee of 1.5% of the amount is charged, but not less than 50 RUB.

Please note! Under the terms of the Raiffeisenbank #vse srazu debit card, a minimum limit is set for a single transfer at 150,000 RUB. You can make no more than 10 transfers per day. There is a monthly transfer limit of 5 million rubles.

• Transaction notifications

A fee is charged for both primary and additional cards. For the primary card, the amount is 60 rubles per month, and for the additional card, 45 RUB. The commission for the first calendar month of the "Transaction Notifications" service upon initial activation (starting from the month of service activation) is not charged.

Note! The cardholder does not pay anything if the financial institution does not send the client a single SMS message or push notification about completed transactions during the month.

• Additional options

Utility bills, internet, and other services are paid free of charge through Raiffeisenbank.

The Raiffeisenbank debit card has ATM withdrawal limits. You can withdraw and transfer money in an amount not exceeding 200,000 RUB per day. The daily spending limit for all operations is 6 million RUB. The monthly limit for cash withdrawals and transfers is 1 million RUB.

Emergency cash issuance if the card is lost while abroad is 6,000 RUB.

• Accrual of points under the loyalty program

For card purchases, the bank awards points that can later be converted into rubles or exchanged for certificates provided by partner banks. 1 point is awarded for every 50 rubles spent. There are welcome points, as well as birthday and New Year bonuses.