Raiffeisenbank in Europe ATMs. Other reviews about Raiffeisenbank. Cashing and topping up in the city of white nights

Since this is the case, here is the third story about the super bank. No, no, not a three-liter one. This can bears the proud name "Raiffeisen". And again the story is not very positive. I would even say - sad, but with a happy ending (which, by the way, has nothing to do with Raiffeisen).

So here it is. Early autumn (in the southern hemisphere - spring) morning. The very, very middle of the hero city of Sydney, lost somewhere between the vast herds of kangaroos and hordes of koalas, predatorily eating these eucalyptus trees of theirs. A hotel with some remarkable name (Meriton, maybe, but who cares). I, hung with bags like an Arab - wives and camels, after two days of non-stop flights, with a trembling hand, hand out a Raiffeisen card to the Chinese woman at the hotel counter. Well, as you wanted, free overnight accommodation - it’s only in Kolyma, behind the thorns... In Australia, all convicts have long since died out, now everything is only for dollars.

The Chinese guy takes the card, shoves it into his device, and asks me to enter the PIN code. I proudly enter - what about the famous Raiffeisen (oh, how much I didn’t know about this bank then). The Chinese boy smiles and shakes his head from side to side. Transaction refused. Pichalka... Well, what can you do, you never know. We repeat the operation again: card into the terminal, PIN code using the buttons tyts-tyts-tyts-tyts, the green Zhmak key. At this point I was on the safe side - what if I did something weird with the numbers? Therefore, this time I entered the PIN code with one hand, and held the secret piece of paper with the PIN code in the other. But to hell with you, Sergei Sergeevich. Refusal. How, the Chinese guy asks me, will you pay, a big white man with a card of a strange bank whose emblem is the letter He in a yellow square? You have a thousand full plastic Australian dollars and another eight hundred. For the hotel means. Maybe you can scrape together some cash, Russian? They say you buy football clubs there on occasion. Yeah, I say, let's buy it. But not today - I don’t have enough cash after the flights to spend the night in a room overlooking the bay - I don’t have enough cash for the metro back to the airport to fly back to the bears and balalaikas. Everything is on the map. I have Raiffeisen! How can he fail? Ugh. Come on, I say to the Chinese girl, my Asian friend, let’s try again. God, among us Russians, he loves the trinity, maybe my bank adheres to the same principle. The third time the old man cast the net, the mystery of pin codes was accomplished. But no. God and Raiffeisen definitely profess different principles. The third time was also a refusal.

Raiffeisen Zentralbank (RZB) is the third largest bank in Austria and one of the leading commercial and investment banks in the country. In addition to Austria, the bank has a strong presence in Central and Eastern Europe, serving approximately 15 million customers through more than 3,150 branches. RZB is the flagship of the Raiffeisen Banking Group (RBG). RBG's total assets as of December 31, 2009 were €260.3 billion.

Structure of Raiffeisen Banking Group in Austria
The 3-tier Raiffeisen cooperative banking group consists of RZB - the central organization for 8 autonomous regional banks (called Raiffeisenlandesbanks), which are shareholders of RZB, and 535 local banks (called Raiffeisenbanks), which are owned by 8 regional banks. The first Raiffeisenbank was created in 1886, and after just 10 years there were more than 600 of them. Beginning in 1894, local Raiffeisen banks began to form regional Raiffeisen banks (Raiffeisenlandesbanks) and in 1927 the Raiffeisen Zentralbank (RZB) was established.

Raiffeisen Zentralbank address:
Am Stadtpark 9, A-1030 Vienna
Tel: +43-1-71707-0
Website: http://www.rzb.at

Raiffeisenbank in Russia

ZAO Raiffeisenbank is a 100% subsidiary bank of the Austrian banking group Raiffeisen. The bank has been operating in Russia since 1996 and provides a full range of services to private and corporate clients, including consumer and mortgage loans, car loans, credit cards, bank deposits, deposits, lending to small and medium-sized businesses, cash management services, salary transfer services, treasury services. Today, Raiffeisen is represented in 75 cities, from Kaliningrad to Kamchatka, and has the largest service network among foreign banks in Russia, which includes more than 250 branches and over 1,000 ATMs.

Raiffeisen Bank International AG is the main bank of the Raiffeisen Group, which offers corporate and investment banking services to Austrian and international companies, individuals and legal entities.

Owners

Raiffeisen Bank International is a fully consolidated subsidiary of Raiffeisen Zentralbank (Raiffeisen Centralbank), as of 2014, owning about 60.7% of ordinary shares listed on the Vienna Stock Exchange, the rest of the shares are in free float.

Assets

As of 2018, RBI operates a network of subsidiary banks, leasing and other companies in 14 countries of Central and Eastern Europe such as Poland, Croatia, Bulgaria, the Czech Republic, etc., as well as in Asian countries and in the main financial centers of the world.

Number of employees

The decrease in headcount in 2018 was mainly due to the sale of business in Poland (-3,675 employees). The number of employees in Russia increased by 769 people over the year.

The average age of employees at RBI is 39 years. 66% of employees are women.

Performance indicators

As of January 2015, at the end of 2015, the entire RBI group (operating in most European countries, the USA and Asian countries), despite the positive results of the Russian division, expects losses of up to €500 million. Investors' concerns about possible losses are reflected in the value of valuable group papers. RBI's €500 million subordinated bonds with a coupon of 4.5% and maturing in 2025 were trading at 44% of par on January 29, 2015. Credit default swaps on them are trading at levels indicating that investors estimate the likelihood of an RBI default within five years to be 70%. RBI shares traded on the Vienna Stock Exchange halved their value in 2014 - from €24.42 to €12.53; at the close of trading on January 28, 2015, the shares cost only €9. Capitalization on the Vienna Stock Exchange was €2.988 billion on January 29.

Business in Russia

Story

2014: 14.6 million clients, 2900 branches

Raiffeisen Bank International AG is a corporate and investment bank in the financial markets of Austria and Central and Eastern Europe. In Central and Eastern Europe, Raiffeisen Bank International operates a network of subsidiary banks, leasing companies and a range of other specialized financial services providers in 15 markets.

Raiffeisen Bank International is an Austrian bank operating in global financial centers and in the Asian market. The bank's more than 56,000 employees serve 14.6 million customers in more than 2,900 branches, most of which are located in Central and Eastern Europe.

2011: Raiffeisen Zentralbank owns 78.5% of the bank's shares

As of 2011, Raiffeisen Bank International is a subsidiary of Raiffeisen Centralbank Austria AG (RZB), which owns about 78.5% of ordinary shares listed on the Vienna Stock Exchange, the rest of the shares are in free circulation.

Raiffeisen Bank International AG views Austria, where it acts as a leading corporate and investment bank, and Central and Eastern Europe as its main markets. In Central and Eastern Europe, Raiffeisen Bank International operates an extensive network of subsidiary banks, leasing companies and a wide range of other specialized financial service providers in 17 markets. The Bank's more than 59,000 employees serve approximately 15 million customers in its 3,000 branches, most of which are located in Central and Eastern Europe. Raiffeisen Bank International is the only Austrian bank operating in both global financial centers and the Asian market, which is its next focus.

According to Moody's international scale, Raiffeisenbank was assigned a Ba2 stable rating. A sustainable financial organization occupies 14th place in the Russian Federation in terms of net assets and 7th place in terms of net profit.

A reputable organization's counterparties are trustworthy. Russian banks that are partners of Raiffeisenbank have achieved no less outstanding results and, in addition, are loyal to the clients of a representative of a serious holding company from Austria. Partner units are ready to provide services to Raiffeisenbank cardholders 24 hours a day.

Number of devices

The country is expanding the list of places where you can pay cashless. But the need for cash bills is still great: to pay for a taxi fare, to tip the service staff, to buy Forbes magazine at the Rospechat kiosk.

The CFU under consideration offers users to use a network of their own devices for transactions with physical means of payment, a total of 2000 units of equipment. In addition, there are 16 thousand ATMs and terminals that provide services at home rates. Replenishment is available in 7.5 thousand modules.

Card holders are also serviced without commission by partner banks of Raiffeisenbank.

In Russian cities, including the capital of the Southern Urals, Chelyabinsk, users of the RFB banking plastic card can freely find equipment from eight participating banks for depositing/withdrawing cash.

Exchange dollar for Russian currency

Let's consider a situation where it is not possible to top up the card with rubles. The wallet contains only dollars and euros. You can deposit dollars or euros into plastic only in Raiffeisenbank units.

The operation of depositing cash currency through the banking module is more profitable in terms of conversion than exchanging at the cash desk. Although there is an even more profitable method of exchange - through online banking. All rates are listed on the website of the bank in question. For example, on November 2, the dollar exchange for is as follows:

• Internet Bank 1: 56.85;
• ATM 1: 56.65;
• Branch 1 cash desk: 56.40.

The calculator can summarize the results as percentages. Conversion through the banking module is 0.443% more profitable than transactions through the cash register. So, exchanging 1 thousand dollars through the device will give an additional 443 rubles compared to the transaction through the cash register.

Magnificent Eight

Clients using those received from Raiffeisenbank can make ruble transactions in the affiliate network of the analyzed financial institution without additional costs. The register includes eight banks, according to information from the official website as of October 29, 2017, that allow you to withdraw money without commission. Two banks from the list allow replenishment of plastic cards for consumers of RFB services.

The offices of the institutions "Binbank" and "Moscow Credit Bank" accept only Russian money from Raiffeisenbank clients and no more than 45 (forty-five) thousand rubles per transaction.

Raiffeisenbank issues 6 types of ruble loan cards and 15 types of debit cards, five of which allow transfers not only with Russian currency, but also with the dollar and the euro. But, we repeat that you can only work with currency in Raiffeisenbank machines.

The requested amount for cash withdrawal differs from the amount of funds to deposit.

Depending on the denomination of banknotes, ATM transaction limits may vary. Before making an investment or withdrawal of paper money in the units of partner banks, you can find out the balance of your card account for free.

The result depends on the denomination

ATMs are set to the number of banknotes. The technically possible maximum circulation volume of banknotes in the machine is 30 banknotes.

If the denomination of the money sheet is five thousand, then you can withdraw 150 thousand in one operation. A loaded unit will allow you to withdraw five times less at a time - only 30 thousand. The smaller the denomination of banknotes in the dispenser of the machine, the smaller the amount of money withdrawn.

Cashing and topping up in the city of white nights

In the city of St. Petersburg, 58 Raiffeisenbank units were recorded for withdrawing and depositing cash.

In addition, partner banks of Raiffeisenbank in St. Petersburg help RFB users get cash or top up their cards at the institutions:

• "Binbank";
• "Gazprombank";
• "Credit Bank of Moscow";
• "Rosbank";
• "Rosselkhozbank";
• "Uralsib";
• "Energotransbank";
• "UniCredit Bank".

The number of devices for receiving and issuing money in St. Petersburg varies among banks. Banks from the top twenty ratings are well represented in the city by the number of offices, ATMs and terminals.

In the only St. Petersburg branch of Energotransbank, an ATM has been installed to accept cash from partner clients.

"Moscow Credit Bank" currently has the only unit that accepts money in the city of St. Petersburg on Pulkovskoe Highway in the premises of the Avtodom car dealership. This information can be found on the financial institution’s website. MKB clients, if necessary, withdraw money from the modules of all partners, including through Raiffeisenbank devices, and deposit banknotes through the Alfa Bank unit.

How to identify a partner

The chain of mutual favors was confirmed and closed in a ring. This gives hope for the trouble-free use of plastic by both Raiffeisenbank and its partners.

Consumers of the services of partner banks can, if necessary, use Raiffeisenbank modules for depositing/withdrawing cash.

Each financial institution has developed a recognizable logo. It is useful for the reader-counterparty of the bank to know the “picture” of the institution in order to easily find the required machine.

Usually on the device body the bank logo is located on both sides and on the front side. In addition, information about the KFU website and emergency phone number is printed on the sides.

In RFB branches, near the ATMs, there is an information stand with the addresses of terminals and ATMs of partner banks.

Emergency banking assistance

The hotline provides advice to plastic holders in difficult and unusual situations. The client should conduct the conversation patiently and calmly, as most hotlines are robotic. Talking to a live operator is a rarity. Therefore, proposals and wishes should be presented clearly and concisely.

If you have any questions about working with ATMs without commission from Raiffeisenbank partner banks, the hotline will definitely help.

Incomplete namesake

Ukrainian Raiffeisenbank Aval is part of the International AG holding. The large bank has gained a high reputation in the market, consumers trust KFU, whose shareholders are RB with a share of 68.3% and with a capital ownership of 30%.

The political events of 2014 led to the closure of Aval branches in Russia, including the Republic of Crimea.

As of the date of writing this article, there are no partnerships between the Russian RFB and the Ukrainian Raiffeisenbank Aval. Clients of these banks will not be able to quickly use the units of their respective institutions either to withdraw or receive cash. Information received by calling the hotline.

Trust percentage

Depositing and withdrawing cash from plastic is carried out without commission.

To understand how convenient it is to have constant companions when conducting cash transactions, you should familiarize yourself with the percentages of payments when interacting with a “foreign” bank or “foreign” card, for example, a transfer.

Transfer from your own card to plastic from “other” banks:

• from debit - 1.5% of the transfer amount, but a minimum of 50 Russian rubles, 3 American dollars or 3 euros;
• with credit - 3% of the sending amount + 300 Russian rubles.

Transfer within Raiffeisenbank to cards of other clients:

• from debit - no commission;

Transfer from plastic cards of “foreign” banks to your own RFB card.

No commission, but a transfer fee may be charged by the issuing bank of the item being written off. For example, if you transfer money from a “foreign” Sberbank debit card to the RFB credit card, then Sberbank will write off 0.3% for the service, and Raiffeisen will not take a penny.

Transferring money between Raiffeisenbank's own cards:

• from debit - no commission;
• from credit - 3% of the transfer amount plus 300 Russian rubles.

Participating banks work in a similar way. Transactions with cash do not impose burdens on the Raiffeisenbank client, regardless of whether the counterparty puts money on the card at an RFB ATM or deposits it through the units of partner banks. Only non-cash transfers are subject to interest deductions.