bank (MKB) debit cardsissues from Visa and MasterCard payment systems, which can be used everywhere, incl. and abroad. Tariffs for servicing cards are standard on the market of card products, however, MKB cards have their advantages. Consider the benefits and conditions of these products.

Apply for a debit card

The product range includes all major typesdebit cards: Visa Classic ICD, Master Card Standard, gold and platinum from both payment systems, virtual and unnamed.

Basic operations

All MKB debit cards allow you to perform basic banking operations:

  • withdraw cash;
  • Transfer to other cards of any institutions;
  • Receive transfers;
  • Replenish by cash or transfers;
  • Make payments;
  • Shoot and pay abroad.

You can carry out these transactions using the Internet bank or ATM independently or at a branch. In online mode, transactions occur almost instantly and mostly with a lower commission. Tariffs and commissions for these operations can be found on the bank's website.


Income on balance

Looking at debit cards MKB conditions, it should be noted the most interesting - the opportunity to receive income on the balance. Its value is 7% for a ruble account and 1% for a foreign currency account.

The following conditions apply:

  • Income is accrued monthly;
  • If there are several cards, income is accrued on the balance of each debit card;
  • The turnover of the product must exceed 10 thousand rubles (200 dollars or euros). If the client has several products, then the costs are summed up;
  • Debit transactions include payments at payment points, for services via Internet banking, payment using bank details;
  • Only transactions made in the account currency are taken into account for the calculation.

Tariffs and cost of servicing cards

IN ICB for debit cards tariffs extradition the following apply:

  • Classical: 850 rubles;
  • With a unique design: 1200 rubles;
  • Gold: 3000 rubles;
  • Platinum: 5500 rubles;
  • VISA Infinite and World MasterCard Black Edition: 50 thousand rubles;
  • Unnamed: free;
  • Virtual: free.

The cash withdrawal limit is 3 million rubles. The commission is charged if the withdrawal amount is less than 500 thousand rubles and amounts to 250 rubles. You can make transfers to a bank card via Internet banking free of charge, and when using terminals, a commission of 1% is charged. With plastic ICD, when transferring, it is required to pay a 1% commission.


Bonus program conditions

Additional FeaturesMKB debit cardit is possible to issue additional cards to one account from any payment systems. They, in turn, offer discounts and various promotions to holders when purchasing and paying for services from partners in different countries.

You can connect the bank's bonus program to a debit card, which provides for the return of part of the funds spent from the cost of purchases. The following conditions apply today:

  • 1% of the costs in cosmetics stores;
  • 3% - theater, cinema, circus, exhibitions;
  • 5% - taxi;
  • 10% - photo services.

Categories change every quarter. Increased cashback is offered when shopping at pet stores, gas stations, child care facilities, supermarkets, bookstores, etc. You can spend points in jewelry stores, sporting goods stores, car dealerships and Duty Free.

Debit card MKB Goldand Platinum provide privileges according to their status, allowing them to use the capabilities of the respective payment systems.

As you can see, the debit cards of the Moscow Credit Bank are endowed with the main features of international format products. The main advantage is the receipt of income on the balance and the accumulation of points under the bank's bonus program. In ICD issue a debit cardcan be done at the branch or by sending an online application through the website of the institution, where you can also find tariffs and terms of registration.

Moscow Credit Bank offers its customers a wide range of debit cards, in total there are more than 6 products. However, our attention was drawn to the classic debit card VISA Classic/MasterCard Standard. According to it, the most acceptable conditions for issuance and annual maintenance, and there is also the possibility of obtaining additional income in the form of interest accrued on the account balance.

Registration of the ICD card

To make a classic MKB debit card can be used in several ways:

The client is charged a commission for the release of plastic, as well as for service.

Re-issuance due to expired validity will be free, but in case of loss of the PIN code or change of personal data (full name), you will have to pay. However, this condition is valid only for the third call. No commission is charged for the first and second time.

In the event of an outstanding overdraft, the client will be charged a penalty.

Interest on account balance

The client can connect a separate option with interest on the balance. In order to receive interest accrued on the account balance, the client must fulfill 2 mandatory conditions:

  • The amount of monthly non-cash card transactions must exceed 10,000 rubles (payment for goods and services in stores, etc.)
  • Connection of one of the service packages with an annual subscription fee. There are 2 in total:
  1. The "Online" service package will save 50% on commissions when making transactions through the Internet bank
  2. The "Honorary Client" service package gives the cardholder a 20% discount on the commission for operations through the Internet bank and at branch offices.

From this it follows that the total cost of service with the included service package (let's take the cheapest one) will be a decent amount for a regular classic card. And this is without taking into account the fee for SMS informing and issuing a card.

Internet banking and online opportunities

To connect the MKB Online Internet Bank, it is enough to contact the bank branch and write an application for remote service, after which an employee of the organization will issue a temporary login and password to enter the system. Registration is also available through the official website of the bank on the Internet banking page. There is no connection through ATMs/PVN. When you first enter MKB Online, the system will ask you to change your password, be sure to use this opportunity to protect yourself from unauthorized access.

Connecting to Internet banking is absolutely free, there is no subscription fee.

Among other things, you can activate the SMS informing service to always stay up to date with the latest card account transactions.

The first activation will be free, but a commission will be debited from the account every month. It is important to remember here that the second and subsequent activations of the SMS bank will be paid for each new connection.

Therefore, if suddenly on the settlement day there are not enough funds on your card to pay for the SMS service, it will be automatically turned off, and the connection will be paid. A trifle, but very unpleasant.

Transfer to the MKB card account - where can I find the details?

You can see the card number on the front side of the plastic, it consists of 16 or 18 digits. CVC/CVV2 codes are located on the reverse side and consist of 3 or 4 digits, respectively. To find out the account number to which the card is linked, just call the customer call center or check the information in your personal Internet bank.

Details of a banking organization (BIC, correspondent account and other information) are located on the official website in the "About the bank" tab.

Advantages and disadvantages

profitable MKB debit card- of course, a convenient payment instrument, has a nice bonus and all that, but at the same time it is quite an expensive pleasure for an ordinary classic card. If you calculate the fee for issuance, maintenance, the annual cost of SMS informing, "Service Package", you get an exorbitant amount. With the same success, it will be cheaper to issue a gold or platinum card with a much wider range of additional features.

In the ICB, a loan is issued by a non-cash transfer of funds to a bank card, a service fee for which is not charged. At the same time, consideration of the client's application does not take more than 3 working days, and the approved decision is valid for a month.

Lending terms

In 2017, the bank has a unified personal lending program for individuals and individual entrepreneurs. And this means that you can take a loan:

  • business owners and pensioners;
  • for any need;
  • for the purpose of refinancing (that is, on-lending) debts of third-party banks.

To apply online, go to .

The loan terms are as follows:

  1. The loan currency is Russian rubles and US dollars.
  2. The minimum loan amount is 50,000 rubles (or dollar equivalent).
  3. The maximum amount is 2,000,000 rubles (or the same amount in terms of US dollars). The maximum possible amount may be increased to 5,000,000 rubles at the discretion of the credit bank or by the amount of insurance.
  4. Loan term - from 6 to 180 months.
  5. Interest rate - from 11.99 to 26% in rubles and from 12 to 39% in foreign currency.

Here's what will help you lower your loan rate:

  • positive credit history;
  • participation in the MKB salary project;
  • having a bank account or deposit;
  • employment in state, budgetary and bank-accredited companies;
  • receipt of pension income assigned by age or in connection with the length of service.

Credit Bank of Moscow does not charge commissions for issuing a loan and servicing a transaction. But the delay in the next payment is punishable by a penalty of 20% per annum of the amount not paid on time and a mark in the credit history.

ICD requirements

Citizens of the Russian Federation from the age of 18 can apply for a consumer loan. In case of marriage or application of any of the grounds for emancipation - from 16 years of age. In addition, the requirements for the borrower include:

  • Russian registration;
  • employment in organizations in Moscow and the Moscow region;
  • permanent source of income: salary or pension.

If the applicant is a business owner, a number of additional requirements are imposed on him:

  • the period of registration of the enterprise - at least a year;
  • doing business in the territory of the bank's presence;
  • 20% share in the business (less shares are possible if this type of income is the main one; in other cases, the owners of a small share are considered as employees).

An application for a cash loan is made according to the passport. It is necessary to fill out a questionnaire and present documents confirming the official position or legal status of a citizen (military ID, service certificate, etc.).

In some cases, the bank additionally requests:

  • a copy of the employment contract or work book;
  • information on income (2-NDFL, account statement, bank statement, etc.);
  • international passport;
  • TIN and SNILS;
  • driver's license;
  • education documents;
  • pension certificate, etc.

The full list of documents is determined on an individual basis and can be regulated at the discretion of the bank.

secured lending

In some cases, the bank reserves the right to issue loans with collateral, namely:

  • secured by real estate (commercial non-residential premises, warehouses, industrial buildings, land, and even secured by an apartment);
  • with a guarantee.

Such a requirement is not included in the list of mandatory lending conditions, but is put forward after analyzing the personality of the borrower. In particular, it may apply to individuals with bad credit history.

It is worth remembering that when transferring property as a pledge, any bank requires an additional package of documents relating to the subject of the pledge. The pledgor must confirm that he has the rights to use and dispose of the property that is planned to be encumbered.

How to apply

The standard way to get a preliminary consultation and fill out a loan application is to visit the nearest representative office of the bank. MKB offices are open from 10:00 to 21:00 seven days a week, and the nearest branch can be found on the bank's website.

To apply remotely, you can use:

  • support services by calling 777-4-888 or 8-800-100-4-888;
  • MKB online service on the bank's website (available to existing customers);
  • the "Order a call" service on the bank's website;
  • service.

To fill out the application form on the official website of the bank, you need to click the "leave an application" button and enter the necessary data (detailed information on filling out). A bank employee will contact you shortly to clarify the details. There is also a "calculation" button, through which you can calculate the approximate loan amount and monthly payments.

Borrower insurance

The life and health insurance service for loan recipients is practiced in many banks. MKB offers 2 insurance programs:

  1. In the event of death or disability. The sum insured is equal to the amount of the loan and decreases as financial obligations are fulfilled.
  2. In case of job loss. The sum insured is five times the initial loan payment. Insured events: staff reduction, liquidation of an enterprise, etc. Voluntary dismissal is not an insured event.

Registration of one of the programs is a voluntary matter, and the client's refusal to join the program cannot serve as a reason for making a negative decision on the loan. However, in many cases, the refusal of insurance entails an increase in the interest rate as compensation for bank risks.

Payroll project is a service that banks provide to individual entrepreneurs or legal entities. As part of the service, the bank undertakes the procedure for transferring wages to the card accounts of employees in accordance with special statements (salary registers).

Of course, individual entrepreneurs and companies with a small number of employees may not be interested in salary projects of banks at all. In many ways, the requirements of entrepreneurs for the process of paying wages are very individual and depend on many factors, so in the material below we will try to highlight as many selection criteria as possible.

By small enterprises we will understand commercial organizations with the number of employees of no more than 100 people.

Main selection criteria

The choice of a bank for a payroll project may depend on the following factors:

  1. Whether or not cards of different banks are serviced (in a small business, employees often require that wages be transferred to an already existing bank card).
  2. Commission for each transfer (this can also include various withdrawal conditions, for example, a different percentage for withdrawing to your cards and cards of third-party banks, certain limits on the total amount of withdrawals per month, etc.).
  3. Availability and availability of ATMs.
  4. Conditions for servicing the card itself, if it is issued by a bank providing a salary project (who and how much pays for issuing a card, an employee or an employer, how much the card costs per month / year, commissions for basic operations).
  5. Availability of programs of bonuses and benefits (installment plan, salary overdraft, favorable conditions for consumer lending, cash back, interest on the balance).
  6. Benefits for top managers (implies the issuance of preferential premium cards for the main persons of the enterprise).
  7. Benefits for the company itself (free settlement and cash services with a large turnover on salary cards, the provision of loans to pay salaries, and other bonuses).
  8. Specific requirements of the salary project (issuance of cards in packages, minimum limits on the number of connected employees, mandatory issuance of new cards, etc.).

We indicated the time for withdrawing funds to the card in the summary table below, but small businesses should not focus on it as a key indicator. Whatever it is, it will still fit into the norm (from 1 to 3 days) for an individual entrepreneur or LLC, whose staff has 10-30 employees.

Similarly - integration with 1C products. For many enterprises, the availability of such functionality is a controversial convenience factor. But the ability to import registers in various formats and from online accounting services is a significant plus.

Market research

In 2017, the Markswebb Rank & Report agency conducted an independent study comparing 14 Russian banks using its own methodology. We chose, first of all, organizations that have the largest turnover on transactions with IP accounts, as well as the largest number of issued salary cards.

According to the estimates, the best payroll projects for banks are:

  1. "Point" (scored 93% out of 100 possible);
  2. Tinkoff Bank (82%);
  3. Raiffeisenbank (76%).

It is noteworthy that there is not a single "titan" among the leaders, although such banks as Sberbank, Alfa-Bank and VTB participated in the overall rating.

The final scores of all participants are as follows.

The percentage corresponds to the convenience of managing a salary project through a remote service system (via Internet banking).

comparison table

For a better perception, we compared the salary projects of banks from the top 14 in a single table. Below you can find more detailed data on each of the designated banks.

BankFor businesses/companiesFor staff
Possibility of connection without RKOWithout RKOOrdering cards onlineDelivery of cards to the officeBonuses for managersPayment timeCard issueService per yearIssuance at ATMs without commissionInformingUsing cards with Apple Pay, Samsung Pay, Google PayCashbackInterest on the balance (annual)Other perks
Subscription feeProject connectionThe cost of 1 payment (only internal)The minimum cost of cash settlement with RFPAccount openingProject connectionCost of 1 RFP payment (domestic only)
Eat 650 rubles/month for using the Sberbank Business Online system 690 r (with cloud signature, +1700 for optional hardware token) 0,1-0,7% from 0 rub./month For free For free Yes Yes Possible discounts for servicing Gold level cards (calculated individually) up to 90 minutes For free Only in their own SMS - 0 or 30 rubles / month, Email - free Yes up to 20% No Reduced interest on loans, personal offers
Eat No monthly fee For free No commission from 0 rub./month For free For free No commission File import Yes Yes Priority service and free premium cards day to day For free For free. There are cards with paid service Gazprombank, MCB, Rosbank, Promsvyazbank, UBRD, MDM Bank, Russian Agricultural Bank SMS - 0 or 79 rubles / month, Only with paid card service to 10% until 6%
Eat 500 rubles/year 500 r. 1000-1200 rubles / month (depending on the region) For free For free 0-1% depending on the average salary Yes No up to 15 minutes For free 259 * 12 or free of charge (subject to purchases from 5000 r / month at VTB Group ATMs, including Post Bank For free Yes to 10% until 6% Reduced interest on loans, discounts on other services. An overdraft is connected to the cards, corresponding to the level of wages
Eat No monthly fee For free No commission 490 rubles/month For free For free No commission Yes Yes Only for medium-sized companies (from 100 employee cards) instantly For free For free. There are cards with paid service At any ATM (there are limits) 59 rubles/month Yes up to 30% until 6% Reduced interest on loans. An overdraft can be connected to the cards, the size is determined individually. no mortgage
No Not applicable Not applicable Not applicable from 990 to 7500 rubles / month For free For free For free File upload / direct exchange with 1C, My Business, Kontur.Elba Yes No Premium Service Packages day to day For free For free. There are cards with paid service Gazprombank, Rosbank, URALSIB, UniCredit, BINBANK, MKB, Rosselkhozbank, Energotransbank 60 rubles/month Yes up to 5% No Lending benefits and special rates for deposits
Eat No monthly fee For free 0.15% with payroll 900 rubles/month 3000 r. For free 0.15% with payroll No No Special conditions for obtaining Platinum and Gold class cards about 30 minutes For free For free VTB Group, Alfa-Bank, Binbank MTS-Bank, QIWI Bank, AK BARS, Promsvyazbank. More than 30 banks in total 60 rubles/month Yes No No Benefits for lending, for one card you can issue 4 additional even different payment systems
Eat No monthly fee For free 0-1% with payroll Free + 1000 or 500 rubles/month for RFP (on all tariffs, subscription fee depends on the city) For free For free No commission File import, integration with online accounting and 1C products Yes Yes Access to premium maintenance programs no more than 2 hours For free For free At any ATM (no more than 150 thousand rubles / month with a withdrawal amount of 3000 rubles or more) 49 rubles / month or 499 rubles / year (or free if you need notifications only about the RFP) Yes up to 2% up to 8% Reduced interest on loans, discounts on other services
No Not applicable Not applicable Not applicable 900 rubles/month 1000 r. For free No commission Uploading files, including those compatible with 1C No No instantly For free For free. There are cards with paid service Only in their own For free Yes No No Additional credit cards may be issued (loan = 100% salary), there are benefits for classic loans
Eat 650 rubles / month for using the remote banking system 1000 r. 0.2-0.3% with payroll RUR 750/month for account management + RUR 650/month for RBS system 2000 r. For free 0.2-0.3% with payroll Yes No Premium cards and a range of related services for free no later than next day For free Free or 200 rubles / year In your own and in networks with partners or in any ATM, depending on the service package 59 rubles/month for all transactions or 10 rubles/month for deposits only Yes + Garmin Pay up to 1.5% up to 5% Benefits for lending, as well as the issuance of credit cards. To the main card, you can issue 2 additional
No not applicable Not applicable Not applicable For free For free For free to Rocketbank and Home Credit Bank cards - free of charge, to the rest - 0.55% (to any bank) Not applicable No instantly Cards for individuals are not issued Not applicable Not applicable Not applicable Not applicable Not applicable Not applicable
Eat No monthly fee For free No commission For free For free For free No commission Uploading files, including those compatible with 1C Yes No No during the day For free For free Alfa-Bank, AK BARS, VUZ-bank For free Yes to 10% No Reduced interest on consumer loans (no mortgage)
No Not applicable Not applicable Not applicable 490 rubles/month For free For free 19 rubles / piece or free on the "Unlimited" tariff Uploading files, including those compatible with 1C Cards for individuals are not issued Not applicable No instantly Cards for individuals are not issued Not applicable Not applicable Not applicable Not applicable Not applicable Not applicable The employee can use the existing card of any third-party bank
Eat 1000 rubles/month for using the RBS system 1000 r. + 1700 rub. per token 1990 rubles/month 1200 rubles + 850 rubles for connecting the remote banking system For free Individually under the terms of the contract (from 0% and above) Importing files in a special format Yes No No during the day For free For free Raiffeisenbank, Alfa-Bank, UniCreditBank SMS-free / Email - free Yes up to 5% up to 7% Cards are equipped with NFC, payroll customers receive significant discounts on transfer fees, as well as benefits on loans and deposits
Eat No monthly fee For free No commission For free For free For free No commission Import files in a special format Yes Yes Depend on the number of employees instantly For free For free In own and in networks of partners (BINbank) 59 rubles / month or free of charge (depending on the service package) Yes 0 or 1-3% (depending on the service package) No Overdraft may be connected to the cards. Benefits are provided for classic loans and deposits

Brief reviews of payroll projects

Sberbank is one of the oldest banks and the largest player in the banking sector. It has been operating since 1841 (officially - since 1991).

It has the widest network of its own ATMs and branches in the country.

A separate manager works with representatives of the organization (can hold a presentation of products, consult on various issues related to the bank's services).

  • Possibility to draw up a salary project separately from cash settlement.
  • Providing free internet banking.
  • Integration with various accounting programs, including 1C products.
  • Cards are issued online (no need to fill out paper applications).
  • Receipt of cards - on the territory of the enterprise.
  • It is possible to install an ATM on the territory of the outlet.
  • Payment processing time - up to 90 minutes.

For staff

  • Card service is free.
  • Internet banking is free, there are mobile applications for popular platforms.
  • Withdrawal and deposit - free of charge (there are daily limits).
  • Transfers within one region from card to card - free of charge.
  • There are bonus systems (the “Thank you” program involves the return of interest from purchases in partner networks - up to 20% cashback).
  • ATMs within walking distance (there are almost all Russian cities).
  • The use of salary cards facilitates the procedure for obtaining a mortgage and a consumer loan (no need to collect income statements), allows you to use other services and products of the bank (credit cards with a limit depending on income).


.

Another of the pillars of the Russian banking sector, which is in the top 10 in many respects. It has a developed network of branches throughout the country and a network of its own ATMs (more than 17,000 devices).

Works since 1991. Unlike Sberbank (an organization with state participation), it is a completely private bank.

Benefits for employers

  • The cards are delivered to the place of issue by the bank.
  • Web service for salary project management - free of charge.
  • A separate telephone line is provided for consultations and other issues with the service.
  • A salary project can be carried out without cash settlement in Alfa-Bank
  • Solutions are offered that take into account various specific business conditions.
  • Executives receive priority service and free premium cards (Gold and Platinum), as well as special discount programs (World of Privilege, Priceless Cities), cashback (up to 10%).
  • Time of making payments - "to the day".

For staff

The range of services that an Alfa-Bank payroll card holder receives will depend on the salary level. The following packages are available:

  • "Economy" (up to 20 thousand rubles),
  • "Optimum" (up to 75 thousand rubles),
  • "Comfort" (up to 250 thousand rubles),
  • "Maximum +" (from 250 thousand rubles).

Even in the "Economy" version, employees can count on:

  • Availability of ATMs in the city of work.
  • Even if Alfa-Bank does not have its own ATMs, you can withdraw cash for free in the devices of partners (Gazprombank, MKB, Rosbank, Promsvyazbank, UBRD, MDM Bank, RosselkhozBank).
  • Mobile application and internet banking - free of charge.
  • Up to 6% per annum can be charged on any amount on a special savings account.
  • Part of the cost of purchases is returned - cashback up to 10%.
  • Consumer loans are available on preferential terms.

The older packages offer the following features:

  • Free sending of SMS-notifications on the card.
  • Ability to connect the card to mobile payment services (Apple Pay, Google Pay, Samsung Pay).
  • When traveling abroad, free insurance is available.
  • Issuance of additional cards with accumulation of miles and other bonuses.
  • Increased ATM withdrawal limit.


.

More than 60% of the bank's shares are owned by the state. VTB has been operating since 1990 and ranks second in the rating of Russian banks in terms of assets. He owns almost a third of the shares of a large Magnit chain of stores, as well as controlling or significant shares in the capital of many commercial banks.

It has a large network of offices (over 1,300 branches) and ATMs (over 15,000 devices). Without a doubt, it is a backbone enterprise of the banking sector.

Benefits for employers

  • You do not need to connect the RKO package to access the VTB salary project, a special current account is opened free of charge.
  • There is no service fee.
  • Uploading statements is possible directly from 1C (without entering Internet banking) or when importing from a text file in a special format.
  • You can submit a register for issuing cards remotely.
  • Managers are offered special privileges (special multi-cards, concierge service, free cash withdrawal at any ATM, making transactions on a call, etc., the main condition is the issuance of at least 100 cards, in which case up to 5 employees can receive benefits).
  • The company gets access to the free issue of corporate cards (depending on the active service package).
  • It is possible to install an ATM on the territory of the enterprise.
  • Payment processing time is about 30 minutes.

Service conditions and access to a set of bank services within the framework of a salary project depend on the number of issued cards (number of employees) and the amount of wages. There are 4 packages in total:

  • "Basic" (if the transferred wages are less than 15 thousand rubles, does not depend on the number of cards);
  • "Standard" (up to 100 cards with wages from 15 to 30 thousand rubles);
  • "Status";
  • "Premium".

The conditions for receiving packages can be seen in the image below.

Depending on the connected package, a commission is charged to the payroll fund from enrollments (the lower the salary level, the higher the percentage, the maximum rate is 2%).

The interface of the remote banking system for working with a payroll project is as follows.

For staff

  • 24/7 Internet banking is free, there are mobile applications for popular platforms.
  • There are bonus systems (cashback up to 10% and interest on the balance).
  • ATMs within walking distance (there are in many cities, in addition to their own, free withdrawals from VTB Group ATMs, including Post Bank) are possible.
  • Cash deposits and withdrawals are free at self-service devices (but there are daily limits).
  • The use of salary cards opens up access to other bank products - it facilitates obtaining loans, reduces interest, etc.
  • An overdraft can be connected to the cards, the amount of which depends on the salary level, over time the limit can be increased.
  • The package of available services depends on the salary level (“Basic”, “Multicard”, “Privilege” with additional options - “Travel”, “Restaurants”, “Auto”, “Collection”, “Cash back”, “Savings”).
Internet banking interface for individuals - VTB Online.


.

Despite the fact that Tinkoff Bank does not have classic branches and offices, it offers all the necessary services for both individuals and legal entities. Most issues are resolved online, in all other cases, a bank employee comes to the office. The lack of own ATMs is compensated by using networks of partner self-service devices.

Tinkoff Bank has been operating under a new brand since 2006 (the original Himmashbank was registered in 1994), in terms of assets it is in 30th place, and in terms of net profit - in the top 10 (data for 2017).

Benefits for employers

  • A payroll project in Tinkoff Bank can be connected with or without the cash settlement service.
  • The design of the project is carried out online (a bank employee comes to the office with cash register).
  • Cards are ordered online and delivered anywhere in Russia.
  • Transfer of wages - free of charge (not only to Tinkoff cards, but also to other banks).
  • Internet banking - free of charge.
  • Direct exchange is possible not only with 1C products, but also with My Business, as well as with Kontur.Elba.
  • Technical support is available around the clock.
  • When more than 100 employees are connected to the project, the manager can count on premium services (special bank cards, travel services, free SMS informing, etc.)
  • Payment time is instant.

Payroll example.

For staff

  • Card service is free.
  • Internet banking and mobile applications for iOS and Android - free of charge.
  • Withdrawals and deposits at any ATMs are free of charge (there are daily limits and minimum amounts).
  • Transfers to cards of other banks - free of charge (up to 20 thousand rubles / month).
  • An overdraft can be connected to the card account (the size is set individually).
  • 6% per annum can be accrued on the balance (the amount of the balance must be at least 100 thousand rubles with the amount of purchases on the card from 3 thousand rubles / month).
  • Cashback - up to 30%.
  • For payroll card holders, the interest on consumer loans is lower (by 3%).
  • Cards can be used in Apple Pay, Google Pay and Samsung Pay payment systems.


.

Raiffeisenbank

The bank has been operating in the Russian Federation since the mid-90s as a subsidiary of the Austrian holding Raiffeisen Bank International AG. Offers a wide range of services to private and corporate clients. In terms of assets, it is among the top 15 Russian banks. Currently, the bank serves more than 80 thousand legal entities.

You can withdraw cash without commission not only at Raiffeisen terminals, but also through partner devices (Gazprombank, Rosbank, URALSIB, UniCredit, BINBANK, MKB, Rosselkhozbank, Energotransbank) - in total, the network has 18,000 ATMs.

Benefits for companies

  • Separately, the salary project is available only for medium and large businesses (Salary package of services - services from 1.5 thousand rubles / month, 5 payments are included in the price). By medium business, Raiffeisen understands enterprises with a turnover of more than 480 million rubles per year.
  • A small business can connect to any of the available cash settlement packages (“Start”, “Basic”, “Optimum” and “Maximum”, from 990 to 7500 rubles / month), where budget payments and salary payments are included in the price (are carried out free of charge according to the statements).
  • What does the organization get when choosing even the minimum CSC package:
  • The remote banking system is provided free of charge (included in the subscription fee), there is a mobile application for business (on the minimum package - paid).
  • The full range of cash settlement services is provided (all necessary banking operations, as well as overdraft, free corporate cards, etc.)
  • Integration with 1C products.
  • Payments are made on the same day.
  • The following opportunities open up on senior RKO packages for small businesses:
  • A special card linked to the company's current account with free service.
  • SMS notifications and mobile banking - free of charge.
  • Premium service packages for individuals (special cards with a set of services for executives) - 1 or 2 pcs. (depending on the tariff).

Banking interface RAIFFEISEN BUSINESS ONLINE (RBO).

For staff

Bank cards of employees are serviced according to the tariffs for the “Salary” service package. A number of other packages are also available to individuals (from 100 to 5000 rubles / month).

Paying clients receive:

  • Maintenance and issuance of cards is free.
  • Cash withdrawal (at ATMs of Raiffeisen Bank or partner banks) is free of charge, as well as payment for mobile communications, housing and communal services.
  • ATMs within walking distance.
  • Discounts and bonuses when paying for services/goods of partners (program "Discounts for You").
  • Benefits for lending and special rates for deposits.
  • Cards can be connected to mobile payment systems (Samsung, Apple and Google Pay).

5% cashback at gas stations is available only on the Golden service package (500 rubles / month or fulfilling the conditions for the minimum balance or purchase costs).


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The bank was created to serve the gas industry in Russia. It started its existence in 1990. At the moment it is one of the largest financial institutions. Gazprombank ranks 3rd in terms of assets and 4th in terms of profits among Russian banks.

Payroll card holders can withdraw cash without interest not only in the Gazprombank ATM network, but also in the network of partner banks (over 30 organizations, among which are VTB Group, Alfa-Bank, Binbank MTS-Bank, QIWI Bank, AK BARS, Promsvyazbank ).

Benefits for the organization

Gazprombank does not single out the salary project as a separate product or service. In order to pay salaries to its employees, it will be necessary to open a current account, and servicing it will be carried out in accordance with the tariffs for cash settlements. That is, you get:

  • Comprehensive settlement services for organizations in Gazprombank.
  • Benefits for lending to the company and executives.
  • Discounts on insurance.
  • Integration with 1C products (quick unloading of statements).
  • Top managers can count on special conditions for receiving Platinum and Gold class cards.

The minimum cost of opening an account for a small business is 2500 rubles, maintaining - 600 rubles / month.

The "Client-Bank" system is supplied by the developer "SFT Company" and has the following interface (installed locally on a PC).

For staff

Payroll card holders can count on:

  • Benefits for obtaining consumer loans.
  • Bonus programs (requires obtaining special cards in cooperation with partners).
  • ATMs within walking distance (a large network of own devices and ATMs of more than thirty partner banks).
  • Cash withdrawal is free of charge (including through partner self-service devices, there are certain limits on operations per day and per month).
  • Mobile application for Android and iOS OS, online banking - free of charge (including SMS informing).
  • A wide range of payment systems (available VISA, MasterCard, JCB, UNION, MIR).
  • Ability to link four additional cards to one card account (for example, for family members, the cards do not have to belong to the same payment system).
  • Cards can be connected to Google Pay, Samsung Pay, Apple Pay mobile payment systems (there are no additional fees).


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One of the few systemically important banks that offers real support to small businesses: a cash settlement package with free maintenance, loans on simple terms, investments under state support programs, etc.

It has a large-scale network of its own ATMs (in 5th place in terms of number in Russia). Included in the top 10 in terms of assets, serves more than 250 thousand enterprises.

Benefits for the company

Separately, the salary project is not available - only within the framework of a comprehensive cash settlement. At the same time, account maintenance can be free of charge (the “Business Start” tariff includes 3 free payments, as well as a transfer to the accounts of individuals no more than 150 thousand rubles / month).

But for the service of transferring salaries according to the statements, a fixed subscription fee of 1000 rubles / month is charged. The commission is unchanged for any tariffs from the line for small businesses (even for paid ones).

Entrepreneurs and organizations get the following opportunities:

  • All the benefits of a comprehensive cash settlement service (business lending, Internet banking and a mobile application for business, SMS informing, corporate cards, etc.).
  • Integration with online accounting and 1C products.
  • Registration of applications for the issuance of cards - online.
  • Ready cards are delivered to your office.
  • Managers are offered access to premium service programs (Orange Premium Club).
  • The company is assigned a personal manager.
  • The time for crediting funds to the cards after sending the order is no more than 2 hours.

Interface of the application "Bank-Client" PSB-Online.

New web interface for small businesses.

For staff

  • Issuance of cards supporting contactless payment (NFC) - free of charge.
  • Interest may accrue on the balance (up to 8% per annum if the conditions are met).
  • Cashback - up to 2%.
  • You can withdraw cash at any ATM without commission (no more than 150 thousand rubles per month).
  • SMS notifications and transfers to other banks (up to 10 thousand rubles / month) - free of charge.
  • Internet banking and smartphone app (Android and iOS) - free of charge.
  • Holders are offered benefits when considering applications for consumer loans.
  • Cards can be used to pay for goods/services in Samsung Pay, Apple Pay and Google Pay mobile payment services.


More about ZP Promsvyazbank.

Initially, the bank was created to serve a large agricultural holding and was named JSCB "Sadr" (1994). Today, Avangard provides a wide range of services to legal entities and individuals in 51 regions of the country (more than 300 offices), and is in the top 100 in many respects.

Own network of ATMs consists of more than 650 devices. Large enterprises are encouraged to install a self-service device on the territory.

Benefits for employers

Organizations can use the salary project only when opening a current account, the commission for opening is 1000 rubles, maintaining - 900 rubles / month.

IP, LLC and other enterprises receive:

  • The whole range of services within the framework of cash settlement services (credit operations, transfers, payments, the ability to connect additional services: acquiring, corporate cards, cash collection, lending).
  • Internet banking is free, there is a mobile application for business.
  • A target loan can be provided for the payment of wages (7% per annum, the size is the amount of the payroll for a month).
  • Salary can be paid out of the funds received on the current business day (intraday, paid service - 0.05% of the amount).
  • There are no commissions for enrollment or expense on the payroll.
  • Managers receive premium cards and a range of related services free of charge.
  • Withdrawal of funds to card accounts - at any time of the day, receipts almost immediately.

For staff

  • Cards are issued and maintained free of charge.
  • It is possible to receive additional credit cards with a limit equal to 100% of the average salary.
  • Cash withdrawal in the network of own ATMs - free of charge (bank limits apply for the amount of transactions per day and month).
  • Free internet banking and mobile app are provided.
  • Cardholders can receive additional discounts under the Avangard discount program.
  • The Bank offers special benefits on credit products for payroll card holders.


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State bank, originally created to serve the agro-industrial sector of the Russian economy (in 2000). Today, the bank works with both legal entities and individuals. Included in the top 30 in many respects (in terms of assets - in 4th place).

Small businesses involved in the agro-industrial complex are provided with special benefits and credit programs. It implements many state support programs for small businesses and microbusinesses.

Benefits for employers

  • A salary project can be serviced without connecting to the cash settlement service.
  • Card service fees can be deducted from holders (relevant for cards with paid service, the form of payment is determined in the payroll project agreement, service at the expense of the employer is possible).
  • The register for the payment of salaries to employees can be provided to the bank both on paper and in electronic form (USB or CD-ROMs, through the remote banking system).
  • Time of salary transfer - no later than the next day (according to the contract).
When connecting the RBS system, work is carried out in the BS-Client.

For staff

  • As part of the “Salary” service tariff, Rosselkhozbank offers to receive one of 10 types of cards of VISA, MasterCard, Union, MIR payment systems (classic, instant, premium, the size of the service fee depends on the choice, there are free ones).
  • Cash withdrawal at Rosselkhozbank ATMs and partner devices (Alfa-Bank, Promsvyazbank, Raiffeisenbank, ROSBANK) - free of charge (except for cards of the Union payment system).
  • ATMs are within walking distance.
  • Internet banking and mobile application (iOS, Android) - free of charge.
  • Holders are offered privileges for lending, as well as the issuance of credit cards.
  • It is possible to issue additional cards to the main one (no more than two representatives of the owner of the main one).
  • Participation in loyalty programs (cashback, regular promotions, bonus programs) is offered.
  • Customers can add cards to the applications of mobile payment systems: Google, Samsung, Apple and Garmin Pay.


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This is a young and ambitious project, created specifically to serve small businesses. The point operates on the basis of two large financial institutions at once, which guarantees additional freedom of choice for customers.

The Point does not have its own branches and ATMs. Salary customers can simply withdraw cash from any ATM without commission.

Benefits for employers

Maintaining a payroll project is impossible without the service of cash settlement services. True, the “Minimum” tariff with free service is available for connection (opening an account is also free). You can connect a payroll project to it.

Tochka offers two options for its service:

  • Employees receive Rocketbank cards, and then transfers are completely free. A prerequisite for card activation is the installation of a mobile application.
  • Employees receive Tochka cards or simply use their own (of any other bank). In any case, the service will charge 0.55% for the transfer.

An entrepreneur or organization receives:

  • The whole range of banking services for cash settlement services (account operations, acquiring, financial statements, etc.).
  • The opening of a salary project is carried out online (via Internet banking).
  • Ordering cards is also online, delivery to the office.
  • Integration with 1C products and automatic loading of the statement is possible.
  • Funds can be transferred to other banks (there will be no additional commission for this).
  • Salary comes immediately after the transfer.

For staff

For Tochka cards, the following conditions are offered:

  • servicing and issuing a card, as well as SMS-informing - free of charge;
  • access to Internet banking - free of charge;
  • cash withdrawal at any ATM - free of charge (up to 50 thousand rubles per month, then 3%);
  • additional cards can be issued to the card account (paid service).
Rocketbank's "Cozy Space" cards open up additional opportunities:
  • mobile app;
  • accrual of interest on the balance (5.5%);
  • cashback (up to 10%).

SMS-informing is paid - 50 rubles / month. Free cash withdrawals - no more than 5 per month.

There are cards with paid service - 290 rubles / month (“All Inclusive”).

An example of the interface of the personal account of the user of the "Point" card in FC "Oktrytiye".


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The bank is among the 30 largest in Russia and in the first hundred of the most reliable in the country according to Forbes. It has 13 branches, more than 150 offices, 1200 own ATMs.

UBRD serves more than 52,000 corporate clients who have access to settlement services, acquiring, payroll projects, currency control, cash collection, remote banking and other services.

Benefits for companies

Over 5,500 Russian companies are involved in the payroll project at UBRD. The bank has been providing services in this area for over 10 years.

You can use the service separately from RKO. At the same time, the company gets access to Internet banking Pro without a subscription fee (for customers with cash settlement - 500 rubles / month).

What else does the company get:

  • Free connection to the salary project.
  • For existing clients, the service is connected to the current settlement account (without cash settlement, a separate account is also not required).
  • The transfer of salary is carried out without commission.
  • The application for issuing cards and downloading the payroll are carried out online. The document format is compatible with 1C templates.
  • The transfer time depends on the selected tariff, on Economy - after 18:00 of the current day, without RKO - during the business day.

Benefits for employees

  • The cards are serviced and issued free of charge.
  • Free Internet banking and a mobile application (Android, iOS) are provided.
  • At ATMs of UBRD Bank and its partners (Alfa-Bank, AK BARS, VUZ-Bank), cash can be withdrawn without commission.
  • It is possible to receive cashback for paying for purchases with a card.
  • Holders can count on a consumer loan in UBRD at a preferential interest rate - from 12% per year.


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Another high-tech online project, born in 2014 on the basis of a regional credit organization. Today it is one of the most popular financial services for small businesses. According to data for 2017, Modulbank serves more than 100,000 legal entities.

Benefits for employers

Only existing clients of the bank can connect to the salary project, that is, the condition for opening an account and cash settlement is obligatory. Despite the fact that Modulbank offers an RKO package without a monthly fee, you cannot connect a payroll project to it. The service is available only for customers on the tariffs "Optimal" (490 rubles/month) and "Unlimited" (4500 rubles/month), opening an account is free.

What does a legal entity get when using the salary project of Modulbank:

  • Automatic calculation of personal income tax (immediately after receiving the payroll, the service prepares a separate payment for the transfer of personal income tax).
  • Internet banking and mobile application (iOS, Android) - free of charge (included in the RKO package).
  • Limits on transfers in favor of individuals do not take into account the amount of payroll.
  • Connection to the service takes place remotely (through a personal Internet banking account).
  • The payment is made according to a single commission (for the "Optimal" tariff - 19 rubles / transfer, and for the "Unlimited" - 0 rubles), regardless of where the salary card is serviced.
  • Modulbank does not require any supporting documents from employees to transfer wages.
  • Along with the current account, entrepreneurs receive all the possibilities of cash settlement services and additional services (acquiring, Modulkassa, bookkeeping and loans).

For staff

Modulbank does not issue its own debit cards, so there is no need to conclude another agreement. The card to which wages will be transferred can be serviced at any bank. And the employee has the right to choose the one that suits him according to his own criteria.
More about Modulbank's offer.

Credit Bank of Moscow

The entire network of branches and ATMs of MKB is concentrated in Moscow and the Moscow region. Despite such a geography of services, Moscow Credit Bank occupies a leading position in many indicators across the country (for example, it is in 7th place in terms of assets).

An interesting offer to service the salary project will be only for Moscow companies - in the regions the bank does not have its own offices, but in the Moscow region there are more than a thousand ATMs and 92 branches. MKB serves over 41 thousand corporate clients.

Benefits for employers

  • You can join the project even without an active cash settlement service.
  • Legal entities are provided with a remote service system (remote service management).
  • It is possible to quickly export data from 1C software products, as well as from Excel tables.
  • The register for issuing new cards can be downloaded through the online bank.
  • Large customers are offered to install an ATM on the territory of the enterprise.

For staff

  • Issue and maintenance of cards - free of charge (including for a certain number of cards of Platinum, Gold categories, even two free card reissues are offered before its expiration date).
  • Self-service devices - within walking distance.
  • Cash withdrawal from own ATMs is free of charge, in addition, no commission is charged when withdrawing from ATMs of partners: Raiffeisenbank, Alfa-Bank, UniCreditBank.
  • Payroll card holders do not pay for SMS notifications.
  • Interest can be accrued on the balance of the card account (up to 6% per annum), special conditions are offered for individual deposits (up to 7% per annum).
  • Transfers from the account are carried out with a significant discount (up to 80%).
  • There is a mobile application (iOS, Android).
  • The cards are equipped with NFC and support fast payment technologies and can be used in mobile payment systems.
  • Payroll clients are subject to the terms of bonus and cashback programs (up to 5%).
  • Holders are offered preferential terms of crediting.


Great review of the IBC proposal.

Since 2017, FC Otkritie has been state-controlled (99.9% owned by the Bank of Russia) and is one of the largest universal banks in the country. It has been operating since 1993, it is in the top 10 in many respects (assets - 8th place, net profit - 9th place).

It has a large network of offices (more than 440) and ATMs (about 3,000 devices) throughout the country, actively cooperating with other banks. Under his license, the Tochka service for individual entrepreneurs and small businesses operates.

More than 180 thousand legal entities are served in Otkritie.

Benefits for employers

  • Connection to the salary project is possible under a separate agreement (without cash settlement).
  • Cards can be ordered online and delivered to the office after issuance.
  • The remote service system is provided free of charge.
  • The company is assigned a personal manager.
  • Managers receive special benefits (depending on the number of connected employees).
  • Large customers are offered the installation of an ATM.
  • The time of crediting funds is instant.

Remote maintenance is implemented on the popular software - BS-Client.

For staff

  • Free Internet banking and a mobile application (Android, iOS) are provided.
  • Cash withdrawal in self-service devices of FC Otkritie - free of charge.
  • Utilities services can be paid without commission.
  • Holders are provided with special benefits for loan products, deposits and other banking services.
  • The range of services and tariffs depend on the selected service package and card type. Payroll clients have access to packages: "Optimal", "Comfort+", "Partner", "Special" (with or without the options "Comfort" and "Prestige", "Privilege" ("Privilege Plus"). So, for example, among the available services, a loan in the form of an overdraft can be connected.
  • It is possible to accrue bonuses, there are other loyalty programs, cashback.
  • Cards can be used in Google Pay, Samsung Pay, Apple Pay systems.


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Application for the transfer of salary to the card

The Federal Tax Service has edited the control ratios of the VAT declaration indicators. This is due to the entry into force of the order that amended the VAT reporting form.

If a company, in order to save on taxes, instead of recruiting a staff, has concluded service agreements with several individual entrepreneurs, the tax authorities can still recognize the work of such individual entrepreneurs as work and hold the cunning employer liable for evading the duties of a personal income tax agent.

How to issue salary cards to employees in 2014

Payment of salaries to plastic cards is a convenient modern means of settling payrolls with personnel, which saves the company from unnecessary troubles and risks.

In addition, this form of wage payment fits into the standards of civilized corporate governance. According to Article 57 of the Labor Code, the terms of remuneration are mandatory for inclusion in an employment contract.

We give a checklist

Financial and Treasury Department of the Northern Administrative Body of the City of Moscow

Zoya and Alexander Kosmodemyansky, Dr.

31, bldg. 1, Moscow from the representative of Vzyskatel LLC (OGRN 1027739000000, TIN/KPP 7755117993/774501001, Location: 123123, Moscow, st.

Pokrovka, d. 22, bldg. 5) Last name First name Patronymic (passport 00 00 000000, issued on February 15, 2008 by the Northern Tushino Department of Internal Affairs, Moscow)

Payroll project

Advantages of the salary project in the MKB

  • Save time and reduce payroll costs
  • Ease of use for accounting and personnel
  • Convenient and secure Bank-Client "Your Bank Online"
  • Ensuring the confidentiality of employee payroll information
  • Project implementation without opening a current account
  • Implementation of the project in a short time with a minimum package of documents
  • Possibility to install an ATM and / or terminal on the territory of the company (staff from 200 people)
  • Providing free cards of three payment systems (Visa/MasterCard/MIR)
  • Cards with modern technologies of contactless payment method PayPass/PayWave
  • Free cash withdrawal from a bank card at ATMs and MCB offices, as well as at ATMs of our partners: UniCredit Bank, Alfa-Bank and Raiffeisenbank (more than 6,000 devices in Moscow and Moscow Region).
  • Discount and bonus programs of the Bank
  • Possibility to issue additional cards for family members
  • Free SMS alert
  • Free access to Internet banking (MKB Online)
  • Preferential consumer loans to payroll card holders
  • Additional income on the balance of funds on the account - 7%
  • Increased cashback up to 10%

How to draw up a salary project?

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How to apply and receive a salary card

How to apply for a salary card, how to get it and how it differs from other cards? A salary card is a bank card that is used to make salary payments and any other accruals (travel allowances, bonuses, vacation pay, material assistance) to an employee of an organization.

Typically, debit cards are issued for payroll, but many banks may set an overdraft limit of two or more paychecks.

How to get a salary card

The possibilities of salary cards do not differ at all from simple debit cards. There are no restrictions on the use of payroll bank cards. When applying for a job, you need to know how to issue a salary card on your own or get it through a salary project.

Getting a payroll card from an employer

Most often, the company independently chooses the most suitable bank for it and draws up a salary project. In this case, all the material costs necessary for its design and operation remain on it.

After the organization signs a contract for a salary project, the selected bank opens all the necessary accounts and produces salary cards. When the project registration procedure is completed, the cards will be issued to employees, and the accounting department will transfer all payments to the card with the necessary regularity.

When leaving the company, the bank has the right to demand that the card be handed over. An employee can continue to use it by writing a corresponding application, however, he will bear all the costs of servicing this card on his own. In this case, a number of banks transfer the card to a new tariff plan, and the overdraft limit for it is turned off.

finansoviyblog.ru

How it works: your salary card

What kind of card is being imposed on you at work

  1. Paying salaries is expensive.
  2. The salary card is convenient for an accountant, an employer and a bank.
  3. Most likely, the salary card is not very good.
  4. If you have problems with debts, it is better not to receive a salary in the same bank where you have a loan.
  5. Good salary projects exist.
  6. Any card can be made payable.

Have you ever crossed train tracks at night to get to your ATM? If not, don't start. It's only interesting the first time.

Your employer pays you twice a month. Money comes to a debit card - it is called a salary card. If you're unlucky with your payroll bank, this card can let you down - and it's not just about ATMs.

Where do salary cards come from?

Almost all firms in Russia are serviced by banks. Banks accept and send money for them, help pay taxes and process cash. This is RKO - settlement and cash services.

Twice a month, firms must pay advances and salaries to employees. To do this, you need to either give money in cash from the cash desk, or transfer it to the employee's current account. In both cases, you need a bank.

Any payment transaction costs something. In order to pay salaries in cash, the employer "buys" this cash from the bank for a percentage. To transfer money by bank transfer, the employer pays from 15 to 150 rubles for a payment. If the company has 100 employees who need to give out 5 million rubles in total, then the company will give the bank from 5 to 50 thousand rubles. Several hundred thousand rubles will run up a year.

Naturally, the firm will want to cut these costs. This is where salary projects come in.

What it is

Payroll Project is a banking service for employers. The bank offers to open special internal accounts for employees and pay salaries to them. Payroll cards are linked to these accounts.

For the employer, this is cheap or free. The bank services these accounts and cards at its own expense.

The salary project is convenient for an accountant: to pay a salary to a hundred employees, it is enough for him to issue one payment order, and not a hundred. It's easier than dealing with each employee individually. It's safer than paying with cash.

The salary project is convenient for the company: the bank costs less, there is no need for a separate payroll accountant, no need to carry cash from the bank to the office and store it in a safe behind a steel door.

The salary project is beneficial for the bank: it has more customers, more card transactions, more money in the accounts.

How employers save on payroll cards

It is not so important for a business which bank it is served by: the main thing is that it is cheap and convenient. Therefore, employers often choose a bank not for the brand, infrastructure or technology, but because it has cheap payments. If your employer saves on the bank, then your salary card will be economical.

For employees, this may mean, for example, that the only ATM where you can withdraw your salary without commission is located in the middle of Bitsevsky Park. Or that you won't have internet banking or a mobile app.

To save money on payroll clients, instead of MasterCard and Visa, the bank can issue Maestro or Visa-electron: these cards are cheaper to maintain, but they also have fewer features. They will not be accepted by many online stores and terminals, they may not work abroad, "3-D-secure" may not work in them. They rarely have cashback and interest on the balance.

journal.tinkoff.ru

Salary card from Sberbank

A salary card from Sberbank is a fairly popular product. Indeed, in all budgetary and commercial organizations, it is customary to issue salaries to employees precisely with the help of bank recalculation. Of course, there are still those who pay bribes in envelopes, but they are becoming a thing of the past. Therefore, we decided to consider which salary card is best to open at Sberbank.

What are the cards

First you need to find out if your employer has open salary projects in this bank. After all, the quality of service is directly related to this. Ordinary employees who are going to order a card from Sberbank and receive money for it monthly under a salary project between the enterprise and the bank will be offered to issue classic cards. It can be VisaClassic or MasterCardStandard.

Even small managers of various levels can count on VisaGold and MastercardGold. In any case, the service will be completely free. After all, according to this tariff plan, the employer makes a monthly payment.

If you want to issue another card or issue another one, you will have to pay for it yourself. It can be a card called "Give Life", "MTS" or "Aeroflot".

With the "Give Life" package, you will transfer part of the money you receive to a fund for helping seriously ill children. This amount will be pennies for you, which you will not even notice. After all, in fact, this is a simple rounding of change.

By choosing an Aeroflot card, you will receive special points that will be counted when buying airline tickets from this company.

Aeroflot credit card from Sberbank

If you decide to open an MTS card, then you will receive bonuses for purchases to your mobile account and when purchasing any services of this mobile operator.

If your employer does not have a specially signed agreement with Sberbank, you can also open a salary card in it. But, for this you need to apply with a statement of the established form to the settlement department of your enterprise. At the same time, you will choose a salary card yourself. Be sure to consider your interests, such as interest on cash withdrawals, online payment, ATM readings abroad.

The cheapest card is Electron. And the most status - Platinum. At the same time, the most common Sberbank card for payroll projects is the Classic package.

Types of salary cards

In general, Sberbank salary cards are divided into three large groups. It can be Maestro, Visa or MasterCard. Maestro not common abroad. But, the level of their service is about the same as on Visa or MasterCard. And an additional bonus will be that the bank will issue you a card for free.

The classic options, Visa and Mastercard, will open up opportunities for you to pay for purchases in any country in the world. Their release will cost you 750 rubles. This figure will have to be paid for the first year of service, then it drops to 450 rubles.

The expiration date of the card is written on the front side. For a salary project, it usually does not exceed three years. You can pay attention not to the classic visa, but to Visaelectron. This card is much cheaper. Opening and the first year of maintenance, as well as subsequent ones, costs 300 rubles a year. Electronic Visas are fully suitable for paying with them at terminals and on the Internet. Please note that if you make the card yourself, you will have to pay for the service. And if your boss is the initiator, then these costs are borne by him.

Withdrawing cash from the card

You can withdraw cash at any ATM, and it does not matter whether it belongs to Sberbank or a completely different financial institution. Of course, fees will be charged at other ATMs. We recommend that you find out already from the bank employees who will give you the card. You will also have access to transfers to other accounts, paying for things or products on the Internet, paying through portable terminals and withdrawing cash abroad.

How to apply for a Sberbank salary card

Before applying for a salary card at Sberbank, we recommend that you acquire a package of necessary documents. This may be a passport, confirmation of annual income, a copy of a work book or contract. Naturally, all this should be supported by copies and special seals. After that, you can contact the bank branch.

You must go there in person. The consultant will give you a questionnaire to fill out. Essentially, that's all.

Then you just have to wait for it to be made. This process usually takes two weeks. But, if you want to issue a Momentum card that is not personalized, they will give it to you right away. You will also need to sign an agreement upon receipt of the card. The last step is to activate it at an ATM. If you, and not your employer, pay for the maintenance, the cost of the annual maintenance of the salary card must be paid immediately.

By the way, all salary cards of state employees will be transferred to the national payment system “MIR”. Currently, Sberbank has the opportunity to offer its customers two types of MIR debit cards:

  1. Classic map WORLD ("WORLD Classical");
  2. MIR pension card ("MIR Pension").

"Salary project" of Sberbank. Video. Advantages