Salary projects of the bank

Even literally 10-15 years ago, banking services were not used by many citizens of the Russian Federation, but today the situation is completely opposite. Banks occupy any part in the life of almost every one of us. Salary banking projects, pension, social cards, payments and transfers, as well as a lot of things connect modern man with financial institutions.

In this article, we will dwell on this kind of banking services, such as salary projects.

Why pay wages on bank cards?

Very few organizations today pay salaries to employees through their own cashier. Most carry out this operation, using the services of banks.

The question arises: "What is the benefit?" Everything is simple enough. Using banking institutions to pay salaries, the employer does not need the maintenance of its own cashiers and a large number of other service personnel, which is associated with payroll calculations with employees.

Even though it is necessary to deduct some interest (payments) to the bank for its services, such a form of calculation is still profitable. At the same time, if the agreement is concluded with a bank that renders services at a high level, then every participant of the salary project remains contented.

Who concludes such projects?

The director of the enterprise concludes the contract with the bank together with the chief accountant, or their authorized persons do, who have the corresponding power of attorney to perform operations on their behalf.

If the organization is new, then basically its representatives themselves apply to the bank, find out the terms and enter into a contract. But if the enterprise is already serviced by some bank, other financial institutions constantly send out their business proposals, including offering payroll projects.

And it is much easier to attract a recently opened organization than the one that has already concluded an agreement with another bank. In the process of fighting for the shares of the financial services market, banks are ready to do anything to avoid losing customers that they once won. Therefore, very favorable conditions are created (for example, free enumerations), which are almost impossible to circumvent.

At the time of conclusion of the contract, the bank usually has the head of the department and a financial consultant who specializes in servicing legal entities.

How are contracts for salary projects concluded?

First of all, the enterprise must provide the bank with the constituent documents, and also other additional certificates and certificates may be required.

After full familiarization of authorized employees of the enterprise with all conditions and tariffs, the parties conclude an agreement. Salary projects of banks imply the transfer to the bank of a list of employees and photocopies of their documents required for identification, as well as the issuance of new plastic cards for which their wages will be transferred .

After the issue of cards, there are two ways of issuing them. The first is when the representatives of the bank come to the enterprise and there they give out to each employee personally both the card itself and the PIN code. The second is when the employees of the enterprise independently turn to the bank and receive a card with the pin code already in the offices.

Often, the second option occurs when the organization's employees were absent at the time of arrival of the bank's employees for mass issuance of cards due to illness or any other.

Analyzing current banking offers on the financial services market, it is possible to distinguish five levels of salary projects.

Low level

This level is the most common. It is very cheap for the enterprise, as it does not imply any additional services. If the enterprise only begins to cooperate with the bank, then first of all chooses such a salary project. Sberbank, for example, for the maintenance of such a product takes only 300 rubles. per month. Most often, such a variant of the salary project is offered to budget organizations.

Standard level

For servicing a salary project of a standard level, the enterprise pays a slightly larger amount, but at the same time receives a large number of additional services: a reduction in the commission for payments, free SMS messages for all employees.

Gold level

The gold level implies the issuance of high-quality salary cards to employees. Some banks at this level offer chip cards that are more secure than standard ones. For example, such a salary project Sberbank offers enterprises for 3000 rubles. per month.

Platinum level

This level implies service at a higher level. The cost of such a package of services is quite high and not affordable for each enterprise. This level includes all the advantages of lower levels, and also implies some others. For example, banks offer free replacement cards, in case of their loss, property insurance of their owner, as well as medical life insurance, which operates both in the territory of the Russian Federation and abroad.

Premium level

Not all banking institutions offer a premium level. And those who provide such a service, provide it not in all cities where there are branches, only in those where there is demand. Maintenance of such a package of services is quite expensive, but it includes many advantages: discounts in stores, hotels, availability of a dedicated personal hotline operator and much more.

Customers with cards of this level are referred to the category of VIP-clients.

The conditions in all banks are different, and above is the average list, which is compiled by comparing the offers of the largest banks operating in the territory of the Russian Federation.

If you are thinking about what level of salary project to choose, then do not immediately conclude a contract for platinum or premium. Remember that even a low level can be quite attractive, the main thing is for a banking institution to fulfill its obligations and qualitatively serve both the management of the enterprise and ordinary workers.