
If you're planning to withdraw cash from your Hypovereinsbank account while abroad, you'll need to be aware of the associated fees.
The fees for withdrawing cash abroad can be quite high, with a flat fee of 1.75 euros per withdrawal, plus a commission of 1.75% on the withdrawn amount.
You can withdraw a maximum of 200 euros per transaction, which is a pretty standard limit for most banks.
To avoid these fees, consider using your debit card for purchases instead of withdrawing cash.
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Can I Withdraw Money?
You can withdraw money with your HypoVereinsbank card in foreign countries, but there are some things to keep in mind.
It's possible to withdraw cash at an ATM with your HypoVereinsbank card, whether you're in Italy or Thailand.
The type of card you have determines the fees and limits. It's like a game where knowing the rules helps you play smarter.
You should check the rules for your card to avoid paying unnecessary fees.
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If you have an HVB Girocard, you can withdraw cash almost anywhere in the world, but be aware that non-UniCredit Group ATMs will charge a 1% fee on the withdrawn amount, with a minimum of 4.75 EUR.
If you have an HVB Visa Debit Card, you get free cash withdrawals at UniCredit Bank ATMs worldwide.
Before you head out, check your online banking to see your daily and weekly limits, so you can always get to your money easily.
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Withdrawal Fees
If you're planning to withdraw cash while abroad with your HypoVereinsbank card, it's essential to know the fees involved.
The Wise Multi-Währungs-Karte offers a convenient option, allowing you to withdraw up to 200 Euro in two transactions without any fees.
However, if you exceed this limit, a minimal fee will be charged.
To give you a better idea of the costs, here's a comparison of the fees associated with different HypoVereinsbank cards and the Wise Multi-Währungs-Karte:
Payment Methods
With HypoVereinsbank, you can withdraw cash worldwide using your Girocard, but be aware that non-uniCredit Group ATMs will charge a fee of 1% of the withdrawn amount, or at least 4.75 EUR.
You can avoid these fees with the HVB Visa Debit Card, which offers free cash withdrawals at uniCredit Bank ATMs worldwide. However, using other banks' ATMs may incur a small fee from the foreign bank and possibly an additional fee from HypoVereinsbank, depending on your account model.
Some banks, like DKB, Comdirect, and Norisbank, offer free cash withdrawals worldwide, while others, like ING, 1822direkt, and Consorsbank, offer free cash withdrawals within the Eurozone.
Kreditkarte
When using a credit card for payment, it's essential to understand the fees associated with it. In Germany, most banks issue credit cards from Mastercard or Visa, with some also offering American Express and Diners cards.
Bargeldlose Zahlungen (contactless payments) within the Eurozone are usually free. However, outside the Eurozone, banks charge an average of 1.00 to 1.85 percent.
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Some credit card providers offer free withdrawals in certain countries, but others may charge a fee. For example, DKB-Konto, Comdirect Girokonto, and Norisbank Girokonto offer free withdrawals worldwide.
If you're planning to withdraw cash abroad, be aware that some ATMs may charge an extra fee, ranging from 1.50 to 5.00 euros. In some countries, like Mexico, you may find it difficult to find an ATM that doesn't charge an extra fee.
Here are some examples of credit card providers that offer free withdrawals in certain countries:
- DKB-Konto: free withdrawals worldwide
- Comdirect Girokonto: free withdrawals worldwide
- Norisbank Girokonto: free withdrawals worldwide
- ING Girokonto: free withdrawals within the Eurozone
- 1822direkt Girokonto: free withdrawals within the Eurozone
- Consorsbank Girokonto: free withdrawals within the Eurozone
Remember to check the ATM's display for any extra fees before completing the transaction.
Girocard Maestro/V-Pay
Girocard Maestro/V-Pay is a great option for travelers, but it's essential to understand the fees and limits associated with it. You can use your HVB Girocard to withdraw cash at almost any ATM worldwide.
When using a foreign ATM, be aware that you'll be charged a fee of 1% of the withdrawn amount, with a minimum of 4.75 EUR. This fee applies to ATMs not affiliated with the UniCredit Group.
The good news is that if you use an ATM from the UniCredit Bank, you won't incur any fees. This includes ATMs in Europe and many countries worldwide.
It's also worth noting that there are daily and weekly limits on your Girocard, which you can check and adjust in your online banking account. Make sure to review these limits before your trip to avoid any issues.
Here's a quick summary of the fees you can expect:
Blitzüberweisung
If you're traveling abroad and your credit card is frozen, a Blitzüberweisung can be a lifesaver. This type of transfer allows you to send money to your destination within 24 hours.
You can initiate a Blitzüberweisung in person at a bank branch, where you'll need to fill out a form with the recipient's account details and show your ID.
The costs for a Blitzüberweisung are relatively low, ranging from 10 to 15 euros.
You can get the funds to your recipient within 24 hours, as long as you submit the transfer before a certain cutoff time.
Here are some key facts about Blitzüberweisungen:
- Geldtransfer innerhalb von 24 Stunden
- Kosten für eine Blitzüberweisung: 10 bis 15 Euro
International Withdrawal
If you're a HypoVereinsbank customer, you're in luck because you can withdraw cash for free in 17 European countries using the UniCredit Group's ATMs with your EC or Maestro card.
The HypoVereinsbank has a partnership with the UniCredit Group, which allows you to withdraw cash for free in countries like Germany, Austria, and Italy. Just make sure to use a UniCredit ATM to avoid any fees.
However, if you need to withdraw cash in other countries, you'll be charged a fee of 1% of the withdrawal amount, with a minimum of 4.75€.
It's worth noting that the HypoVereinsbank doesn't have its own ATMs in foreign countries, so you'll need to rely on the UniCredit Group's network or other partner banks.
If you're looking for a more convenient option, you might want to consider a different bank like N26, which offers a free credit card that allows you to withdraw cash for free at any Mastercard-enabled ATM worldwide.
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Here's a breakdown of the fees associated with withdrawing cash abroad:
Keep in mind that these fees are subject to change, so it's always a good idea to check with your bank before traveling abroad.
Hypo Vereinsbank Giro Account
You can access your Hypo Vereinsbank Giro account online or through the mobile app.
To withdraw money from your Hypo Vereinsbank Giro account in a foreign country, you'll need to use an ATM that accepts Mastercard or Visa.
You can withdraw a maximum of 1,000 euros per day from an ATM abroad.
Make sure to inform your bank about your travel plans to avoid any account restrictions.
The Hypo Vereinsbank Giro account has a daily withdrawal limit of 1,000 euros for cash withdrawals at ATMs in Germany.
Frequently Asked Questions
Wo kann ich gebührenfrei Geld bei der HypoVereinsbank abheben?
Du kannst gebührenfrei Geld bei allen HVB Geldautomaten und bei allen UniCredit Banken in Europa abheben
Wie hoch sind die Gebühren beim Geld abheben im Ausland?
Gebühren für Geld abheben im Ausland betragen in der Regel 1-3% des Betrags. Einige Sparkassen bieten jedoch kostenlose Abhebungen an
Sources
- https://wise.com/de/blog/hypovereinsbank-geld-abheben-ausland
- https://udongo.de/girokonto/35-girokonto-ratgeber/238-hypo-vereinsbank-geld-abheben-und-kartenzahlung.html
- https://www.weltweit-abheben.de/hypo-vereinsbank-kostenlos-abheben-in-italien-polen-bulgarien-und-oesterreich.html
- https://wise.com/de/blog/mit-der-hypovereinsbank-ec-karte-im-ausland-bezahlen
- https://www.kontofinder.de/ratgeber/bezahlen-und-geld-abheben-im-ausland/
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