What is the easiest and most profitable way to pay for a loan at Raiffeisenbank? List of official partners of Raiffeisen Bank Where can you pay for a Raiffeisenbank loan without interest

And the partner banks have drawn up an agreement, thanks to which clients of these financial and credit institutions can use the services of self-service devices for a specified circle of people without a commission.

Raiffeisen partner banks

To carry out transactions with cards, Raiffeisen clients have access to more than 2,000 ATMs installed by this bank throughout the country. However, the possibilities of holders bank cards Raiffeisen is not limited to just these devices. Raiffeisen's partner banks gave them access to:

• 16,000 self-service devices where you can withdraw cash;
• 7,700 devices that can be used to top up accounts, including card accounts.

Services to clients of the Austrian giant at such ATMs and terminals are provided according to the conditions of “home” tariffs, that is, those offered by Raiffeisenbank.

Raiffeisen Bank partners offer its clients to use their terminals, but with some restrictions on maximum amount one operation. Partner banks that allow Raiffeisen Bank clients to make transactions through self-service devices without commission:

• Rosbank, which set a limit for one transaction in the amount of 150,000 rubles;
• URALSIB Bank set the same limit of 150,000 rubles;
• Moscow Credit Bank - 150,000 rubles;
• UniCredit Bank – 100,000 rubles;
• Rosselkhozbank – 200,000 rubles;
• Binbank – 150,000 rubles;
• Energotransbank – 150,000 rubles;
• Gazprombank – 150,000 rubles.

If the limit is exceeded, banks may charge an additional commission.

Terms of use of self-service devices of partner banks

In self-service devices belonging to partner banks, Raiffeisenbank clients can:

• transfer funds to another account, including an account belonging to a third party;
• gain access to the Internet Banking service, and also, if necessary, restore the access password;
• connect your phone number to the SMS notification service;
• change the card PIN code;
• pay for services;
• withdraw cash.

When accessing the services of self-service devices of Raiffeisen Bank partners, you need to take into account that the operating principles of such devices differ. Before using one of the ATMs, it is advisable to read the relevant instructions of the owner bank.

When replenishing a card account, funds deposited before 18.00 from Monday to Saturday inclusive will be credited to the account on the same day. Cash received after 18.00 from Monday to Saturday inclusive, as well as on Sundays or holidays, will be credited to the account on the next business day.

Restrictions that apply when depositing cash using self-service devices of partner banks:

• Account replenishment is allowed only in rubles;
• one operation is a maximum of 45,000 rubles;
• the devices perform no more than 3 operations per day, 10 per week and no more than 15 per month;
• in one day, devices can accept no more than 45,000 rubles for replenishing an account opened with a friendly bank, but a maximum of 300,000 rubles per week or 450,000 rubles per month.

It is impossible to replenish accounts of category “B” cards, as well as corporate cards, in the machines of partner banks.

Among other restrictions on working with friendly self-service devices, the following must be taken into account:

• limits on cash withdrawal or replenishment of a card account established for this product by the issuing bank;
• availability of the required amount at the ATM;
• denomination of banknotes inserted into the machine.

Conditions for charging commission

Replenishing a card account and withdrawing funds through devices of Raiffeisen Bank partner banks is possible in more than 30 regions of Russia, both in relation to debit cards, and credit.

Raiffeisen Bank partners provide services to its clients without commission, subject to the use of debit cards at self-service machines. The commission for withdrawing cash from credit cards is 3% plus 300 rubles.

The fee is charged by all alliance ATMs. The exception is the product " Cash card" In turn, Raiffeisen does not charge any fees when accessing its devices from debit cards, issued by financial and credit organizations friendly to him.

Without commission, cash can only be obtained from ATMs of both Raiffeisenbank and its partners. But when receiving money from the account at the cash desk of an alliance member, they will take a commission in the amount of 0.7% of the transaction amount, but not less than 300 rubles.

If you withdraw cash from self-service devices of banks that are not partners of Raiffeisenbank, the commission will be 1% plus 150 rubles. For Visa cards CASHBACK Debit fee cannot be less than 100 rubles.

When transferring from an account opened with Raiffeisen to an account opened with another bank, 1.5% of the transaction amount (at least 50 rubles) is withheld.

Raiffeisenbank partners accepting loan payments

Raiffeisenbank cooperates with the Golden Crown service. At its offices you can repay loans issued with Raiffeisen, including credit card loans. When performing calculations, a commission will be deducted.

Similar calculations are possible in Beeline and Euroset communication stores. When making payments, a commission of 1% is withheld (minimum 50 rubles, maximum 200 rubles).

Bank clients can also use QIWI terminals to make payments on loan obligations. The service is accompanied by a commission deduction.

When using the specified services, funds are credited to the loan account on the next business day. To make a payment, you must provide your account details.

Today every Russian family has a plastic card, it has firmly entered into the everyday life of modern people. Using a Raiffeisen card or any other bank, you can control your spending Money, make purchases, pay for a variety of services. Accordingly, many cardholders have many questions, for example, how can you put money on your phone from a Raiffeisen Bank card?

The system of payment and transfer of funds using bank cards is very popular today and is considered the most convenient. After all, a modern person always has a card and a cell phone at hand. Therefore, topping up your mobile phone with a Raiffeisen card will not be difficult. There are several ways to pay for a phone with a card, and one of them is through an ATM.

• We go to the payment device, making sure to take the card with us.
• We insert it into the card reader.
• Enter your PIN code.
• The main menu appears in front of the user.
• Select "Payment" mobile communications».
• From the list of operators proposed by the system, select the one you need.
• Enter the phone number whose account you want to top up.
• We indicate the transfer amount.
• We confirm the operation.

Pay for mobile services via Internet banking

With the help of R-connect and R-Mobile, you can deposit money into your phone account at any time. The application interface is simple and intuitive. To pay, find the "Mobile payment" section, enter your phone number, debit account and amount. If you repeat the payment transaction regularly, you can create a template.

How to put money on your phone via SMS

Clients of some banks have access to SMS commands that can be used to pay for services. Thus, Sberbank clients can manage their accounts using messages to number 900.

Users of Raiffeisen Bank services can also use SMS requests. So, to pay for the services of a mobile operator, you should send a message with the text PAY_amount_XXXX (last digits of the card) to number 7722. Example: PAY 300 9637.

Please note that in this way you can only transfer money to the number to which you are connected mobile bank, i.e. to your number!

Video: Raiffeisen Bank Internet banking R-connect

Before topping up your phone balance, you should make sure that you have funds in the account of the card itself.

To put money into the account

Put money on bank card can be done in different ways, for example, through an ATM. For greater convenience, Raiffeisen provides the opportunity to use not only its own, but also partner ATMs. Topping up your card in payment devices of partner banks has a number of advantages. Before you put money on a Raiffeisen Bank card, familiarize yourself with all the advantages, as well as restrictions on such transfers.

• Funds are available instantly.
• There is no commission charged when replenishing the card.
• The service is available in 30 regions of our country.
• You can only deposit national currency Russian rubles.
• A one-time replenishment is 45,000 rubles.
• You can make no more than 3 deposits per day, 10 financial transactions per week, no more than 15 per month.
• The service is not available for corporate clients and plastic category "B".

• On the main panel, select the “Payment for services” section.
• Then you need to click on the name of the Raiffeisen bank.
• We insert the plastic into the card reader.
• Enter your PIN code.
• At this stage, we deposit money into the bill acceptor of the payment device.
• Replenishment completed. The received receipt must be kept.

The term for crediting funds is one business day. After reading this information, every plastic card holder will know how to correctly and quickly deposit money onto a Raiffeisen card through an ATM. In addition, using Raiffeisen ATMs, users can not only deposit cash, but also check their balance, pay for services, withdraw funds, make transfers and much more.

I would like to note that this is a great way to put money on a Raiffeisen card without commission.

There is another proven and reliable way to put money on a card. The plastic holder can contact the bank branch directly. You must have identification documents with you, in particular a civil passport, as well as the bank card itself.

To summarize, I would like to say that more detailed information on how to put money on your phone from a Raiffeisen Bank card can be found on the bank’s official website. If any difficulties arise, a competent manager will advise the user on any financial issue.

Like most modern commercial banks, Raiffeisenbank in its development is focused on mass servicing of private clients. In this regard, increased attention is paid to the bank's retail products. And the main role is traditionally assigned retail lending, as the most popular product among individuals.

At Raiffeisenbank you can apply for a consumer loan, a mortgage, or receive funds to buy a car. Favorable interest rates, convenient payment methods and high quality customer service are the distinctive features of Raiffeisenbank loans.

Types and conditions of Raiffeisenbank loans

Consumer loan

Raiffeisenbank's most popular loan product is consumer loans. In fact, the bank sells a single loan product - a Raiffeisenank consumer loan, which has some differences for owners salary cards and employees of the bank's partner companies. The interest rate is determined individually after bank specialists analyze the client’s creditworthiness. Minimum bid For consumer loans Raiffeisenbank is 18.9%. You can get a loan for a period from 1 to 5 years. The loan amount is limited: according to the standard program - 750 thousand rubles, for salary clients- 1.5 million rubles, for employees of Raiffeisenbank partner companies - 1 million rubles. At the same time, owners of salary cards can issue loan agreement only with a passport, since they are already clients of the bank.

Advantages of Raiffeisenbank consumer loans:

• credit funds are issued in cash or transferred to a bank card and can be spent at your discretion;
• no fees for issuing and servicing a loan;
• opportunity to release for free credit account banking MasterCard card Standard;
• the ability to confirm unofficial income (in this case, a certificate in the form of a bank is provided);
• a decision on an application for a Raiffeisenbank loan is made within a maximum of 3 days, but most often within 1 hour;
• To complete an application for a loan and receive advice, you can call a Raiffeisenbank loan specialist to your office.

Mortgage

Raiffeisenbank cooperates with a large number of development companies, which allows us to create benefits for clients mortgage programs and regularly offer preferential mortgage terms during various promotions. Get borrowed funds possible both for new buildings and for purchasing real estate on the secondary housing market. Raiffeisenbank is among the banks that accept payment down payment for mortgage funds maternity capital, as well as providing the opportunity to refinance a mortgage obtained from another bank. Read more about Raiffeisenbank mortgages.

Car loans

Perhaps the most developed credit product of Raiffeisenbank is car loans. Quantity credit programs exceeds 2 dozen and includes both standard car loans (including auto express) and specialized partnership programs with official representatives of Cadillac, Opel, Volvo, Ssang Young, Honda, Mitsubishi and others. Naturally, special affiliate programs provide reduced interest rates on loans - an average of 14-14.5%. In addition, Raiffeisenbank is among the banks that provide clients of other banks with the opportunity to refinance a previously received car loan, and, moreover, for a sufficient favorable conditions(at a rate of 17%). Interest rates on standard Raiffeisenbank car loans primarily depend on the size of the down payment for the purchased car - 15%, 20% or 40%, and range from 17-19% per annum. For auto express loans interest rate increases by 1.5%.

Holders of Raiffeisenbank salary cards can get a car loan for preferential terms- with an interest rate reduced by 0.5%.

How to get a loan from Raifeisenbank

To get a Raiffeisenbank loan you need:

1. Firstly, meet the bank’s requirements for borrowers, namely: be a Russian citizen over the age of 23, have permanent registration, have at least 4 months of work experience at your last place of work, have a mobile and work phone.
2. Secondly, provide the bank with a set of documents to apply for a loan. The minimum package of documents consists of a passport, an application form for a loan from Raiffeisenbank, a certificate of income (2-NDFL or according to the bank form), a copy work book certified by the employer.
3. Thirdly, fill out and submit to the bank an application for a Raiffeisenbank loan. This can be done either at the bank’s office, or online on the bank’s official website (via the “Online Application” service), or by ordering a visit from a bank manager to your office (for consumer loans from Raiffeisenbank).

After this, all that remains is to wait for the bank’s decision on the possibility of providing a loan and determining the interest rate and, accordingly, the amount of overpayment. If the bank has approved the application, and the interest rate determined for the loan agreement suits the client, then the bank manager will draw up a loan agreement and after it is signed by both parties, you can proceed to spending the loan funds received.

How to pay for Raiffeisenbank loans

If for some reason you were unable to deposit on time monthly payment on a Raiffeisenbank loan, then you can still avoid penalties from the bank if you use the “Promised payment” service. It is available at official website of Raiffeisenbank at the address - https://www.raiffeisen.ru/retail/paying_off/promise/. Fill out all fields of the application. Pay special attention to the date of the overdue payment - choose it so that the funds are likely to be credited to the credit account. You can use the “Promised Payment” service for Raiffeisenbank consumer loans or car loans, and only if the monthly payment is overdue by no more than 90 days. In other cases, you will have to personally contact the bank branch and fill out an application to postpone the payment date or apply for restructuring of the loan agreement.

Depending on your location, time of day, size of the monthly payment and availability of Internet access, to pay for a Raiffeisenbank loan you can use a variety of options that differ from each other in operating hours and the amount of commission for transferring funds:

• at a bank branch through a cash desk - no commission, instant crediting. Contact any Raiffeisenbank office, present your passport to the manager, sign a cash order and deposit the monthly payment amount into the cash desk. To save your own time, it is better for you to know your credit account number in advance, since it is required to draw up a cash receipt order (it is indicated in the agreement with the bank).
• through a Raiffeisenbank ATM - no commission, funds are credited within 24 hours. You can pay for a Raiffeisenbank loan in cash at ATMs with a cash-in function, and non-cash - at any Raiffeisenbank ATM using the instant card-to-card transfer service (of course, only if you have a bank card that is not linked to a credit account).
• via Internet banking - no commission, funds are credited within 24 hours. From your personal accounts opened with Raiffeisenbank, you can transfer money as a monthly loan payment at any time via the Raiffeisen Connect Internet bank. For information on how to activate this service, as well as its capabilities, read the article “ Raiffeisenbank connect ».
• through the terminals of Moscow Credit Bank- within 24 hours, no commission. Since a bilateral agreement was concluded between Raiffeisenbank and MKB, clients of both banks can use ATMs and terminals of both banks without commissions. List of terminals Moscow Credit Bank available .
• long order - no commission, instantly. If you have a current account with Raiffeisenbank, then you can regularly automatically transfer money from it on the loan on the basis of a long-term (standing) order. To activate this service, you need to go to the bank office with your passport.
• remittance at Russian Post - commission 1.3% of the amount (minimum 25 rubles) plus VAT, crediting funds to the account up to 5 working days. Contact any branch of the Russian Post with your passport and credit account details and complete the transfer.
• QIWI terminals - commission 1.6% (minimum 50 rubles), funds are credited to the account up to 3 business days. To transfer the monthly payment on a Raiffeisenbank loan through terminals payment system QIWI, you will need to know either your credit account number or credit card(if you have one).
• transfer without opening an account from another bank - the commission is set by the sending bank, funds are credited to the account up to 3 business days. If you know full details your credit account (they are specified in the agreement with the bank), then you can always contact any third-party bank and pay the loan by making a transfer (for a small commission) without opening an account.

Whatever method of payment for a Raiffeisenbank loan you choose, we recommend that you take into account the specified deadlines for transferring funds to bank accounts and make the payment in advance.

Online application for restructuring a Raiffeisenbank loan: https://www.raiffeisen.ru/retail/paying_off/restructuring/

Calculator consumer loan Raiffeisenbank:

Like most modern commercial banks, Raiffeisenbank in its development is focused on mass servicing of private clients. In this regard, increased attention is paid to the bank's retail products. And the main role is traditionally given to retail lending, as the product most in demand by individuals.

At Raiffeisenbank you can apply for a consumer loan, a mortgage, or receive funds to buy a car. Favorable interest rates, convenient payment methods and high quality customer service are the distinctive features of Raiffeisenbank loans.

Types and conditions of Raiffeisenbank loans

Consumer loan

Raiffeisenbank's most popular loan product is consumer loans. In fact, the bank sells a single credit product - a Raiffeisenank consumer loan, which has some differences for salary card holders and employees of the bank's partner companies. The interest rate is determined individually after bank specialists analyze the client’s creditworthiness. The minimum rate for Raiffeisenbank consumer loans is 18.9%. You can get a loan for a period from 1 to 5 years. The loan amount is limited: according to the standard program - 750 thousand rubles, for salary clients - 1.5 million rubles, for employees of Raiffeisenbank partner companies - 1 million rubles. At the same time, salary card holders can draw up a loan agreement only with a passport, since they are already clients of the bank.

Advantages of Raiffeisenbank consumer loans:

• credit funds are issued in cash or transferred to a bank card and can be spent at your discretion;
• no fees for issuing and servicing a loan;
• the ability to issue a MasterCard Standard bank card to your credit account free of charge;
• the ability to confirm unofficial income (in this case, a certificate in the form of a bank is provided);
• a decision on an application for a Raiffeisenbank loan is made within a maximum of 3 days, but most often within 1 hour;
• To complete an application for a loan and receive advice, you can call a Raiffeisenbank loan specialist to your office.

Mortgage

Raiffeisenbank cooperates with a large number of development companies, which allows it to create mortgage programs that are beneficial for clients and regularly offer preferential mortgage terms during various promotions. You can get borrowed funds both for new buildings and for purchasing real estate on the secondary housing market. Raiffeisenbank is among the banks that accept maternity capital funds as payment for the down payment for a mortgage, as well as providing the opportunity to refinance a mortgage obtained from another bank. Read more about Raiffeisenbank mortgages.

Car loans

Perhaps the most developed credit product of Raiffeisenbank is car loans. The number of loan programs exceeds 2 dozen and includes both standard car loans (including auto express) and specialized partnership programs with official representatives of Cadillac, Opel, Volvo, Ssang Young, Honda, Mitsubishi and others. Naturally, special affiliate programs provide reduced interest rates on loans - an average of 14-14.5%. In addition, Raiffeisenbank is among the banks that provide clients of other banks with the opportunity to refinance a previously received car loan, and on fairly favorable terms (at a rate of 17%). Interest rates on standard Raiffeisenbank car loans primarily depend on the size of the down payment for the purchased car - 15%, 20% or 40%, and range from 17-19% per annum. For auto express loans, the interest rate increases by 1.5%.

Holders of Raiffeisenbank salary cards can receive a car loan on preferential terms - with an interest rate reduced by 0.5%.

How to get a loan from Raifeisenbank

To get a Raiffeisenbank loan you need:

1. Firstly, meet the bank’s requirements for borrowers, namely: be a Russian citizen over the age of 23, have permanent registration, have at least 4 months of work experience at your last place of work, have a mobile and work phone.
2. Secondly, provide the bank with a set of documents to apply for a loan. The minimum package of documents consists of a passport, an application form for a loan from Raiffeisenbank, a certificate of income (2-NDFL or according to the bank form), a copy of the work book certified by the employer.
3. Thirdly, fill out and submit to the bank an application for a Raiffeisenbank loan. This can be done either at the bank’s office, or online on the bank’s official website (via the “Online Application” service), or by ordering a visit from a bank manager to your office (for consumer loans from Raiffeisenbank).

After this, all that remains is to wait for the bank’s decision on the possibility of providing a loan and determining the interest rate and, accordingly, the amount of overpayment. If the bank has approved the application, and the interest rate determined for the loan agreement suits the client, then the bank manager will draw up a loan agreement and after it is signed by both parties, you can proceed to spending the loan funds received.

How to pay for Raiffeisenbank loans

If for some reason you were unable to make your monthly payment on a Raiffeisenbank loan on time, then you can still avoid penalties from the bank if you use the “Promised payment” service. It is available on the official website of Raiffeisenbank at the address - https://www.raiffeisen.ru/retail/paying_off/promise/. Fill out all fields of the application. Pay special attention to the date of the overdue payment - choose it so that the funds are likely to be credited to the credit account. You can use the “Promised Payment” service for Raiffeisenbank consumer loans or car loans, and only if the monthly payment is overdue by no more than 90 days. In other cases, you will have to personally contact the bank branch and fill out an application to postpone the payment date or apply for restructuring of the loan agreement.

Depending on your location, time of day, size of the monthly payment and availability of Internet access, to pay for a Raiffeisenbank loan you can use a variety of options that differ from each other in operating hours and the amount of commission for transferring funds:

• at a bank branch through a cash desk - no commission, instant crediting. Contact any Raiffeisenbank office, present your passport to the manager, sign a cash order and deposit the monthly payment amount into the cash desk. To save your own time, it is better for you to know your credit account number in advance, since it is required to draw up a cash receipt order (it is indicated in the agreement with the bank).
• through a Raiffeisenbank ATM - no commission, funds are credited within 24 hours. You can pay for a Raiffeisenbank loan in cash at ATMs with a cash-in function, and non-cash - at any Raiffeisenbank ATM using the instant card-to-card transfer service (of course, only if you have a bank card that is not linked to a credit account).
• via Internet banking - no commission, funds are credited within 24 hours. From your personal accounts opened with Raiffeisenbank, you can transfer money as a monthly loan payment at any time via the Raiffeisen Connect Internet bank. For information on how to connect to this service, as well as its capabilities, read the article “Raiffeisenbank Connect”.
• through the terminals of the Moscow Credit Bank - within 24 hours, without commission. Since a bilateral agreement was concluded between Raiffeisenbank and MKB, clients of both banks can use ATMs and terminals of both banks without commissions. A list of Moscow Credit Bank terminals is available.
• long order - no commission, instantly. If you have a current account with Raiffeisenbank, then you can regularly automatically transfer money from it on the loan on the basis of a long-term (standing) order. To activate this service, you need to go to the bank office with your passport.
• money transfer at Russian Post - commission 1.3% of the amount (minimum 25 rubles) plus VAT, crediting funds to the account up to 5 working days. Contact any branch of the Russian Post with your passport and credit account details and complete the transfer.
• QIWI terminals - commission 1.6% (minimum 50 rubles), funds are credited to the account up to 3 business days. To transfer the monthly payment on a Raiffeisenbank loan through QIWI payment system terminals, you will need to know either your credit account number or credit card number (if you have one).
• transfer without opening an account from another bank - the commission is set by the sending bank, funds are credited to the account up to 3 business days. If you know the full details of your credit account (they are specified in the agreement with the bank), then you can always contact any third-party bank and pay for the loan by making a transfer (for a small commission) without opening an account.

Whatever method of payment for a Raiffeisenbank loan you choose, we recommend that you take into account the specified deadlines for transferring funds to bank accounts and make the payment in advance.

Online application for restructuring a Raiffeisenbank loan: https://www.raiffeisen.ru/retail/paying_off/restructuring/

Raiffeisenbank consumer loan calculator: