A bank card is, without a doubt, a convenient thing. Paying in stores, shopping on the Internet, getting a salary - all these operations are carried out without any problems using a small piece of plastic. However, each cardholder sooner or later begins to need cash. How to withdraw them from your account with minimal financial losses?
It is necessary
- - bank card (debit or credit);
- - PIN-code of the card;
- - passport;
- - a list of branches and ATMs of your bank.
Instructions
Step 1
Before opening an account or obtaining a loan in a particular bank, inquire about the conditions for withdrawing cash. The amount of commission, withdrawal limit and other nuances need to be found out in advance. There are no banks with unambiguously good or bad conditions for receiving cash - you just need to choose the ones that are right for you.
Those who plan to withdraw large amounts from time to time should pay attention to the daily withdrawal limit - if it is small, it may be worth looking for another bank. If you are interested in frequent withdrawals in small amounts, look for a bank that does not charge interest when withdrawing from its own ATMs and cash desks.
Step 2
Having received a bank card, do not forget about the pin code. It is required to receive cash through an ATM. If you forget your PIN, there are two ways out - get a new card or receive money exclusively through the bank's cash desk. In this case, you only need your passport to receive cash.
Step 3
The most profitable way to receive money is through your bank's own ATMs. Even if the conditions provide for interest for cashing out, they will be minimal. But in ATMs owned by other banks, a high interest charged from the card can be an unpleasant surprise.
Step 4
When deciding to receive cash, do not split the amount on the card into small portions. Otherwise, the interest for cashing will be debited several times. For example, you should not withdraw 100 rubles from the card if the minimum amount of interest for cash withdrawals is 150 rubles. If you are interested in cash, it is better to withdraw it from the card at once.
Step 5
The safest ATMs to use are those that are installed directly in the premises of banks. You should not withdraw money (especially a large amount) from ATMs located in the lobbies of metro stations or on the street. It is on them that scammers install code readers and other unpleasant devices.
Step 6
When withdrawing money, be careful - if you repeatedly enter the wrong PIN code, the system can block your card. If this happens, contact a bank employee, they will help you.
