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What are the fees for the UnionPay Rosselkhozbank card for cash withdrawals abroad?

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The Rosselkhozbank fee for cash withdrawals abroad on a UnionPay card depends on the card currency and your turnover. In addition to the bank's fee, you will also be charged by the ATM from which you withdraw money.

Tariffs and fees for Rosselkhozbank UnionPay cards
Card currency Rosselkhozbank fee for cash withdrawal When there is no Rosselkhozbank fee
Rubles 1% of the amount (minimum 199 rubles per transaction) If the card turnover in the previous month exceeds 30,000 rubles
Yuan 3% of the amount (minimum 17 yuan per transaction)
Dollars 3% of the amount (minimum $2.5 per transaction)
Euros 3% of the amount (minimum €2.5 per transaction)

What this means in practice:

  • ATM fee — this is a separate charge set by the bank that owns the ATM. Its amount depends on the country and the specific bank (for example, in Sri Lanka it is 200-400 rupees per transaction). You will see this fee on the ATM screen before confirming the transaction.
  • Minimum Rosselkhozbank fee — a very important point. For example, if you withdraw a small amount from a yuan card, you will still be charged a minimum of 17 yuan (about 200 rubles), even if 3% of your amount is less.
  • Turnover benefit — if you actively use the card and spent more than 30,000 rubles last month, the Rosselkhozbank fee for withdrawal will not be charged. This makes cash withdrawals significantly more profitable.

Tip: To minimize losses, try to withdraw cash less frequently and withdraw larger amounts at once. For everyday expenses, it is more profitable to pay directly with the card. If cash is unavoidable, withdraw from a yuan card funded through a brokerage account, and only if you do not have a Rosselkhozbank fee due to turnover.

We have explained in detail all the hidden fees and provided an exact calculation of how much money you will receive in different situations. Read our research in the article Choosing the right UnionPay card: rubles, yuan, dollars, or euros.

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