For the convenience and comfort of customers, banks are trying to install as many ATMs as possible. If their network of devices is not enough, organizations collaborate with each other. Thus, B&N Bank has more than 10 partners who provide the opportunity to withdraw money without commission from their ATMs.
Partner banks
Usually, a commission is charged for withdrawing cash from "foreign" ATMs, which is 3-4%. It is not surprising that people do not want to overpay and choose banks with a wide network of their own devices.
To attract customers, financial institutions enter into an agreement and combine ATMs into a single system. B&N Bank did the same, becoming partners with Alfa-Bank, Raiffesenbank and other large banks.
This method has managed to significantly expand the territory of service and presence. Binbank's own ATMs are not so many - only 630. This is not enough to serve all customers. There are more than 15,000 devices in the general network of partner banks throughout Russia. In them, you can check the balance and withdraw money without commission.
Partnerships are limited to the ATM network, and in most cases, the list of transactions without commissions is limited to cash withdrawals. Some partners also allow you to deposit money to the card without additional expenses, for the rest you will have to pay at the regular rate. You should not count on an interest-free transfer between accounts in partner banks or payment for services without a commission.
In general, the cooperation of banks is beneficial both for the organizations themselves and for their clients. Residents of small towns and other settlements have the opportunity to withdraw money without traveling tens of kilometers. The bank saves on the purchase and maintenance of ATMs, while attracting new customers and establishing itself in new territories.
B&N Bank partners
Binbank's clients can use the unified ATM network, which includes, in addition to Binbank itself, 10 organizations: Alfa-Bank, Raiffeisenbank, UniCredit Bank, Gazprombank, Russian Standard, Uralsib, SKB-Bank, Svyaz-Bank, RosEvroBank, Zenit.
The devices of these banks serve plastic cards VISA, MasterCard and MIR issued by B&N Bank after 2016.
You can withdraw cash through ATMs of Alfa-Bank and Svyazbank without any limit on the amount. Limits on deposit without commission through Alfa-Bank - no more than 90,000 rubles per day and 720,000 rubles per month, through Svyazbank - 75,000 rubles per day and 500,000 per month.
Raiffeisenbank, Gazprombank, Russian Standard, SKB-Bank, Zenit only allow you to withdraw cash without limits and commissions, other operations are carried out at regular rates. Unicredit and Uralsib ATMs issue up to 150,000 rubles without commission on Binbank cards. At RosEvroBank ATMs, you can withdraw and deposit any amount without commission, but only to cards of VISA and Mastercard payment systems. It is not possible to deposit money on MIR cards.
