Withdrawing money from a Sberbank card at an ATM: instructions, nuances. Is it possible to withdraw money without a Sberbank card? Gradual withdrawal of money at the ATM of the People's Bank

The main way to get cash from your card accounts is to use a card and an ATM. For those who do not know how to use a Sberbank ATM, we will tell you in this article how you can withdraw your money.

ATM or terminal

Sberbank offers its customers two types of devices for self-management of accounts. These are ATMs and terminals. Their main difference is that using an ATM you can get cash, and non-cash transactions are made at the terminal.

ATMs and terminals

Visually, an ATM, if it is not built into a niche in the wall, has much larger volumes than a terminal. Also, the terminals do not have a window for issuing paper banknotes.

Using an ATM

Most often, the answer to the question of how to withdraw money from a card at a Sberbank ATM is of interest to older people. After all, earlier the receipt of salaries or pensions was carried out through cash desks. But times have changed a long time ago, and innovations must be adapted, especially since this operation is not difficult to perform.

First you need to deal with the PIN code. It is in a sealed envelope. Don't tell it to anyone. These secret four digits must be known before using the card.

In the right part of the ATM there is a cell of the card capture reader. You need to insert a bank card into it.

Around this window is a light indicator that helps to locate the hole in the dark.

Insert the card correctly. The black magnetic strip should be at the bottom and to the right during the operation. It is not necessary to push the plastic into the window by force, so as not to break or cause mechanical damage. The mechanism will stretch it automatically.

After the card has successfully entered the opening, the display will change and you will need to enter the PIN code. After pressing all four digits, you will need to confirm the correctness of the entry by clicking the "Next" button.

Then select "Cash withdrawal" from the menu items. After that, the template amounts for withdrawal will be displayed on the screen. An operation to receive a specified amount from the account will also be available.

Having chosen the convenient option from the proposed ones, click "Next". An offer to print a check will appear on the screen. We recommend printing it to confirm the operation. Then the device will count the requested amount and give it to a special window. You need to collect the money within 30 seconds. Otherwise, their device will return back inside. After that, the ATM will return the card. A beep will sound.

What must be done

After you were able to receive money at a Sberbank ATM, be sure to count them. If the amount of cash does not match the printout on the check, then you need to contact the specialists at the nearest branch. There you will need to write a special document protesting the operation.

When the next collection of the ATM is carried out, the cashiers will check the actual amount of money with the software.

If there really was a failure or a mechanical error in the device, then the missing amount will be credited to the client's card account. Otherwise, a penalty for an unfounded claim against the bank will be debited from the same account.

Previously, you had to deal only with cash, but not so long ago, thanks to technological progress, money appeared in non-cash form, bank cards, and with them special devices - ATMs, with which you can not only quickly withdraw money from a Sberbank card, but also carry out payment, transfer money to another account and pay off the loan.

The main bank of the country - Sberbank has a developed network of ATMs and a huge number of customers. These are working people, students and pensioners. And they all need to know how to still use the Sberbank ATM and especially how to withdraw money from the card. Of course, you can pay for goods and services with a card, but cash is also often needed.

In order not to make a mistake when carrying out the operation of withdrawing money from a Sberbank card, you need to read the instructions for using a Sberbank ATM, which, as a rule, is located on the front side of the ATM. Only three or four actions and the ATM will issue the necessary amount of cash from the card into a special slot.

Step-by-step instruction

1. First you need to decide on the necessary things in order to use the Sberbank ATM. This is a bank card, a card pin and, in fact, an ATM. Bank cards are chipped or simply with a magnetic tape. If both are present, then this is a higher degree of protection against fraud.
2. You need to go to the ATM itself (Sberbank has a branded green color), and look at the screen. As a rule, welcome information is displayed on the screen of a Sberbank ATM indicating that the ATM is ready for operation. If there is no such information, then the ATM is faulty, but this does not happen so often.
   
3. Locate the card slot on the front of the ATM. It is usually illuminated by a light indicator. The card is required face up. You can make a mistake in a hurry and enter the card on the wrong side. But the ATM quickly recognizes the error and returns the card back, accompanied by a sound signal and a corresponding inscription on the screen.
   
4. If the card is entered correctly, you will be prompted to enter a PIN code on the screen. It is issued by the bank upon receipt of the card and contains four digits. After typing the pin code (when typing it will not be visible on the screen, it will be displayed as four crosses), you need to confirm it and press the " Proceed". Then follow the prompts on the ATM screen. The first request is about the choice of language. The list of available languages ​​will be displayed on the screen, you need to select the appropriate one and press the key on the left or right in accordance with the selected item.
   
5. Next, the main menu will appear on the screen, where various options for operations with the card are offered. So you can see your balance, withdraw money from the card at an ATM, put money on the card, pay for services and much more. You need to select the option to withdraw, it looks like " Get cash” and press the button next to this option.
   
6. Next, the system will ask how much you need to withdraw. You can dial it yourself or choose from those offered: usually it is five hundred rubles, one thousand, two thousand, three or more thousand rubles and the button " Other amount". After selecting the required amount or typing it on the keyboard, you need to press the button " Issue". You can also adjust the amount using the keys on the ATM keyboard. You can click " Cancel" or " Back” and the ATM will erase the last values ​​entered. If you press " Reset"- the ATM will cancel the operation altogether and return the card back.
   
7. Previously, the system will ask whether to print a check, and will give you two buttons to choose from " Continue with receipt printing», « Continue without printing receipt". This is at the request of the cardholder. There are a couple more features of withdrawing money: the amount must be a multiple of fifty and the ATM does not issue metal money. But on the other hand, he can give out money with an exchange.

Here is such a simple sequence of steps to withdraw money from a Sberbank card at an ATM. Of course, it is always possible to invite a special assistant, a bank employee, to help withdraw money from a card at an ATM.

And yet, there is no need to rush when entering the PIN code, because when the ATM simply does not return the card back, but blocks it. Also, the ATM can block the card if no one has taken it out of the slot for more than 20-30 seconds.

Sberbank sets limits on the maximum possible amount for a one-time withdrawal, but they are quite large, and only those who need large amounts should worry about this.

But there, this operation will be paid, that is, a commission will be charged for cash withdrawals. And the size of the commission payment will depend on the conditions of the bank where the cash is withdrawn.

Today, 9 out of 10 people are holders of at least one plastic bank card. This can be a debit card (classic electronic wallet), salary card (automatic receipt of wages on the card), credit card (with an initial cash limit), etc. The most common are cards of the largest banks - Sberbank, Gazprombank, VTB 24, etc. In addition, many public and private institutions, in order to provide their services, require the client to acquire the “plastic” of such and such a bank.

For example, even a meager unemployment benefit will require the purchase of a classic Sberbank debit card. Good that given type cards so far is free. Sberbank generally has the most connections with public and private organizations. Therefore, when applying for an official job with a probability of 65% salary card there will be exactly the "plastic" of Sberbank. In any case, bank plastic cards are generalized by one main function - they are temporary storage facilities from which these funds are withdrawn sooner or later. Is it possible to withdraw money without a card? The question is, why this question? But the fact is that a bank card is a piece of plastic. It is small and relatively fragile. So here are the first answers:

• a bank card can simply be lost or it can be stolen;
• plastic scratches easily, which increases physical wear and tear. If there are many scratches in the area of ​​​​the magnetic tape, the process of reading information by the ATM will become impossible;
• plastic is a fairly fragile material, and for sure, many people checked on an expired card how easily it breaks;
• a sufficiently long stay of a bank card in water or in a very humid atmosphere (heavy fog conditions) is also capable of making the “plastic” of the bank just a piece of plastic;
• the card does not have to be lost or damaged for the above mentioned need to arise. It happens that the client financial organization I just forgot her “product” at home or at work, and suddenly I urgently needed to withdraw money from my personal card account;
• finally, when exposed to strong magnetic fields (in some production, for example), there is a chance of demagnetization of the card, which again leads to its damage.

It’s worth saying right away for the completely uninitiated that the loss or physical destruction of a bank card does not pose any threat to cash savings. Since the money is actually stored not at all on the card itself, but on a personal client account, which is part of the bank's electronic database. It's just that the card is tied to this account, which means it acts as a means of exchange between the banking system and the client. True, in case of theft or loss, the risk of losing money is no longer zero. After all, a whole, unblocked and not expired card can be used by attackers. The only thing such third parties need is a PIN code. And they have a chance to figure it out, starting from the poke method and ending with professional hacker methods.

In order to immediately prevent this and protect your money in your personal account, in case of theft / loss of “plastic”, you must immediately contact the appropriate bank with a corresponding application, after which the card will be instantly blocked. For example, in Sberbank, this procedure will not take longer than 10 minutes. In case of loss or damage to the plastic, plus everything will raise the question of purchasing a new card. The trouble is that even if the bank issued the initial card for free, now you will have to pay for the secondary one. After all, both loss and damage to "plastic" are considered the fault of the client. Bank card rates vary. They depend both on the institution itself and on the type of card. For example, the most expensive are credit cards. They are purchased with such a significant monetary limit.

At Sberbank, prices for its “plastic products” range from 200 rubles to 1,500 rubles. And Sberbank also supports a very convenient function of a spare plastic card. This is when, when purchasing a bank card and opening a personal account, not only this one, but also the second “plastic” is tied to it. And although the second card is also always paid, it is much cheaper. This preventive measure is convenient not only because when the first card is blocked, you can safely continue to use the second one, but you can also give the second card into the hands of another person whom the client trusts. This is relevant when it is necessary to expand the circle of people who will have access to a personal bank account.

When you urgently need money, but there is no "plastic"

So, what to do when you urgently need to withdraw money, but there is no card on hand (forgotten at home, damaged, lost)? There are a number of banks that have included a cash dispensing service in their ATMs even without a card. True, the client will need a passport and a piece of paper with full card and bank details in order to enter all the necessary data into the ATM on the spot. In general, this procedure will take at least 10 minutes, since it takes place in several stages. Plus, a request will be sent from the ATM to the bank database. This also takes time. All these measures are designed to increase the protection of funds from intruders. In addition, even those institutions that provide such an opportunity do not always connect it automatically.

It happens that when purchasing a “product”, the client must notify specialists in advance that it is necessary to make the ATM money withdrawal service active even without a card. Without “plastic”, money can really be received, for example, at PrivatBank ATMs. But I must say that Sberbank, alas, does not support such a function. It is impossible to get money through his ATM without “plastic”. Perhaps this is due to its status as the largest bank with contacts in almost all public and many private organizations in the country. Therefore, if the above things happened to the Sberbank card, then there are two options left (meaning cardless money withdrawals):

1. Using the Sberbank Online service. But for this method, it is necessary that the client: a) be registered with Sberbank Online, b) have any other active Sberbank card in his hands. To register with Sberbank Online, you need an ID and a permanent user password. You can get them in three ways: through an ATM (entering a card and PIN code, selecting the "Internet service" section, selecting the "ID and password" item), by calling the call center (in Sberbank this is the number 8 800 555 55 50) or via SMS (send the password and the last five digits of the card number to 900). After registering, it is easy to make money from a card account available through another card.
2. Visit to the nearest branch of Sberbank along with a passport and full details. An employee of Sberbank can give money to a person without presenting "plastic", but only with a passport. It will be required to have a passport, and not just passport data. In addition to a passport, it is good to have full card and bank details on hand. Namely: the full name of the bank branch, BIC, TIN, KPP, control account, current account, personal account and preferably the number of the missing card. Of course, bank employees themselves can find out card details from the database, but without "plastic" it will take more time. Therefore, it is recommended that when receiving a bank card, always request full details on a separate sheet (if they were not provided automatically). By the way, if the branch is small, then the process of receiving money without a card will take a little longer than in the central, regional branch, since a small branch will send a request to the head department on this occasion.

The information in this article is intended to help people who find themselves in the difficult situation described above. And it should also convey to the reader the simple fact that it is better to just take care of this little piece of plastic. And in the absence of cash in your pocket, always take it with you.

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Step-by-step instructions for a Sberbank ATM: a photo with a description

Now we will talk about how to use a Sberbank ATM step by step instructions with a photo.

All ATMs, and Sberbank is no exception, can perform dozens of different banking operations. Most often, customers use the following banking operations:

• cash withdrawal;
• account replenishment (not all ATMs have this option);
• obtaining information on your card account (balance, mini-statement, etc.);
• transfer of funds between cards;
• repayment of loans;
• payment for services and fines, etc.

In practice, all bank card holders use the first three points. These transactions account for 70% of all transactions through an ATM.

Below we will answer the question of how to use a Sberbank ATM, step-by-step instructions will be with photos for different types of operations.

Main menu

This screen view is available after you insert your bank card and enter your PIN code.

Sberbank balance check

Instructions for using Sberbank ATMs of a new type on the example of checking the balance.

On modern ATMs, there are two ways to check the balance on the card:

Option number 1

Main menu -> "Request balance" -> select: "Display balance on the screen" or "Print balance on receipt".

Option number 2

In the main menu, it is possible to view the balance through your personal account, actions:

Main menu -> " Personal Area, information, service "-> then select:

• "Request a balance" - then the procedure is as in option No. 1
• "Get a mini-statement" by selecting this option you will be taken to the following screen:

Important: there is a difference between a balance sheet and a mini-statement:

• balance- costs "0" rubles, displays the current account balance;
• mini-statement- costs 15 rubles *, displays the current balance and the last 10 transactions on the account (dates and amounts).

* — rates may change.

Instructions for using an old-style Sberbank ATM using the example of checking a balance.

In the main menu, select "account balance":

choose show on screen or print as a check.

And, look at the balance on the account:

Cash withdrawal through Sberbank ATM

Below is an instruction on how to withdraw money from a new Sberbank ATM.

In the main menu, select "Cash withdrawal", after the device offer options for amounts or enter another amount that you need.

Pay attention : the owner of the card account may have limits on withdrawing money for 1 time, per day and month. And, an ATM can dispense a limited amount of money at a time (amount and number of banknotes).

If you have selected "Other amount", then you need to enter the amount using the number pad below the screen.

After, choose whether to print the receipt or not. And, in conclusion: take money, a card and a check (if you chose “print”).

Instructions for withdrawing money from an old-style Sberbank ATM

How to use a Sberbank ATM step by step instructions photo and text support:

Main menu -> "Cash withdrawal":

Enter the desired amount using the number pad below the screen:

Important! The bank card must be taken from the slot within 10-15 seconds, if you do not have time, the ATM will take it back and will not return it. The same goes for money.

Pay attention : not all ATMs dispense money, this is indicated by a sign behind the ATM (list of services performed).

Sberbank replenishment through an ATM

Instructions for working with a Sberbank ATM when depositing money:

The function of replenishing funds through an ATM is usually supported by new-style devices. Procedure:

Main menu -> "Deposit cash" (sometimes: "Receive and deposit cash"):

And insert into the bill acceptor one bill or a pack of up to 50 bills at a time.

The next step: click on the “perform operation” item. Upon completion of the operation, the ATM will issue a check for replenishment of the account and offer:

By clicking "Complete service" - you will receive your card. If you “return to the main menu”, then the main menu appears for performing a new banking operation.

We hope that now you are not afraid of the Sberbank ATM, the instruction is also available for download.

Use bank card becomes an integral part of our Everyday life. Cash transactions are gradually giving way to non-cash payments. Sberbank bank card is one of the most popular. We hope that the proposed instruction on how to use a Sberbank ATM will help you feel more confident in using a means of payment.

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The difference between an ATM and a terminal

So, you became the owner of a plastic card of Sberbank of Russia. Now you can make banking transactions on your own. You should remember your pin code - this is a four-digit number that is issued in a special envelope along with the card. When working with a bank card, you must remember that an ATM can give you cash, and payment terminals only accept cash.

Entering a card into an ATM

You hold your plastic card in your hands and stand in front of the ATM. Insert the card with the front side left side into the reader. You will see a window for entering your PIN code:

Cover the keypad with your hand when you enter your PIN code. Dial your four cherished numbers. Press the "Enter" button.

Cash transactions

After entering the pin code, the Main Menu appears on the screen with a list of operations, as shown in the photo:

Poll: Are you satisfied with the quality of services provided by Sberbank in general?

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One of the main operations carried out by an ATM is cash transactions. Now some ATMs can not only give you the required amount at your request, but also accept cash from you to replenish your account. To receive cash, press the "Cash withdrawal" item on the keyboard, if the ATM is touch-sensitive. If the ATM has a button next to the item, then you need to press this button. In the window that appears, select the desired amount:

If you need a different amount from the proposed options, click the "Other amount" item. A window will appear where you use the keyboard to enter the desired amount, for example, 1700. The amount must be a multiple of 100 rubles, that is, 200, 400, 1700. Click the "Next" button. The ATM always asks if you need a receipt, which will indicate the balance of funds in your account. Click "Yes" or "No". Now, be extremely careful! You must receive from the ATM in a clear sequence:

1. your card, which will appear from the cell;
2. money that comes out of the ATM;
3. check if you requested it.

Also, using a card and an ATM, you can pay for mobile communications, transfer funds to another card, pay a loan, pay utility bills and much more.