Benefits of payroll clients when applying for a loan. Banks "fight" for payroll projects

Five years ago it was adopted the federal law No. 333-FZ, which was dubbed as "the abolition of wage slavery." Today I want to talk about some of its nuances and analyze the most profitable debit salary cards to identify the most suitable bank for transferring salaries or other benefits.

Law to abolish wage slavery

The corresponding Federal Law was adopted on November 4, 2014. The right of an employee to choose a bank for the transfer of wages is independently enshrined in it. Let me remind you that before people had to adapt to the company in which they worked. The employee himself could not choose the payroll bank. The firm entered into an agreement with a credit institution to service all employees in it.

After the entry into force of the law on the abolition of wage slavery, the situation changed dramatically. Now the choice of a bank for transferring salaries is made independently by each employee. He may express a desire to receive the money due to him in any bank convenient for him.

There are a few other very important things to note:

To transfer salaries to another bank, an employee must draw up an application for the transfer of salaries. It is submitted to the accounting department of the company in advance. In most companies, they are trying to dissuade from this venture, since the employing company receives bonuses from the bank with which it has an agreement. But these bonuses do not particularly affect employees. It is not always profitable for them to use the imposed bank.
The commission for the transfer of funds from the main bank to the institution chosen by the employee falls on the shoulders of the company, not the employee. Keep this in mind, as an accountant can deliberately misinform an employee that the salary will be transferred minus the commission. It is not true! It's just a ploy by accountants whose bosses set the goal of preventing the transfer of employees' salaries to other banks.
An employee, when issuing a debit card, undertakes to pay the cost of annual maintenance, if any. It falls on his shoulders. But as a rule, when monthly transfer wages on the card, it becomes free or there is a small annual maintenance, which pays off for a couple of purchases on the card (thanks to the increased percentage of cashback and interest on the balance!)

8 most profitable banks for a salary card

To help determine best bank to transfer salaries, we decided to compile an overview-rating of the most popular and profitable debit cards that can be used as a profitable salary card. Evaluating the effectiveness, we paid attention to the following factors:

The cost of issuing a bank card.
Annual maintenance cost.
Availability of cashback, credit benefits, additional privileges and services.
A network of ATMs and terminals of the bank or its partners for withdrawal and deposit Money from plastic.

After reviewing the offers, everyone will be able to understand for himself where it is better to open a salary card in 2020.

1. The best salary card from Tinkoff Bank with online application and home delivery

Tinkoff Bank is one of the most dynamically developing banks in the country. Service here is also completely remote, and a salary card is opened online. Within a couple of days, a bank specialist will deliver it to an address convenient for you.

The “flagship” debit card in the bank is Tinkoff Black, which can be called the most profitable salary card in 2020 if you transfer your salary to it. Transfer salary to Tinkoff card beneficial to almost everyone, because:

Accrual of interest on the account balance (5% per annum for ruble cards).
Individual categories of cashback for purchases: 1 percent in all stores, 30% at bank partners and 5% in increased cashback categories. These categories can be selected for free every quarter. for example, you can select the categories Supermarkets, Gas Stations, Beauty, Pharmacies and many others.
No commission for withdrawing cash in the amount of more than 3 thousand rubles at any ATMs in the world. Forget about looking for a specific ATM or queuing at those ATMs. With a Tinkoff payroll card, you can withdraw money at any ATM and even abroad.
Availability of a personal savings account-safe with favorable rates.
Convenient internet and mobile bank is free. For several years, it has been recognized as the most convenient application and Internet banking!
For payroll customers, there is a special tariff, which implies free card maintenance. To do this, after registration and receipt of the card, simply write or call the bank and ask to be transferred to the salary tariff 6.2. If you do not transfer to this tariff, then the conditions are as follows: free card maintenance if you have a loan or deposit in the amount of 50 thousand rubles or more, or if you store on the card from 30 thousand rubles. In other cases - 99 rubles per month.
The ability to make transfers to other banks from the card account for free, as well as transfers from card to card. You do not have to pay interest and commissions for transfers to any banks in Russia. Send money to relatives, friends, acquaintances, relatives without commission!
You can issue up to 5 additional cards to your salary account free of charge and set limits on them! It is very convenient to issue a card for a wife, child or other close people. And all together earn on cashback from purchases.

I want to note that you can open an account not only in rubles, but also in dollars and euros.

In my opinion, this card is one of the best, and maybe even the best card for transferring salaries. Therefore, if you are still thinking whether it is worth opening a salary card in Tinkoff, our recommendation is to open it, of course! Read more: " Tinkoff Black debit card review«.

2. Salary card "Benefit" in Home Credit on favorable terms

Home Credit Bank updated its debit card last year, which today is great for storing your own funds under high percent, and to receive a salary on the card. And if we analyze the conditions and tariffs of this card, then we can definitely say that this is one of the most profitable cards to transfer salary to a card without your company's salary project.

The Polza debit card will be an excellent salary card due to the following conditions:

Cashback for payments in the categories "Clothes" - 10%, as well as for purchases and partners cashback up to 10%. In other stores - 1%.
Free card maintenance with monthly salary transfer, or if you store on the card from 10 thousand rubles, or make purchases from 5 thousand. In other cases - 99 rubles per month.
Contactless card payment. You can also add a map to Google Pay, Samsung Pay or apple pay and pay with a card using a smartphone.
Free cash withdrawal at any ATMs in the world.
Interest on the balance of own funds - 6 per annum for up to 300 thousand rubles.
Favorable transfers from account to account - 0 rubles.

In order to enjoy all the privileges and benefits of the card, you must do the following:

Get a debit card.
Fill out an application for a salary transfer.
From the 1st of the next month, your debit card will be considered a salary card with all the above benefits.

3. Free salary card with online registration and delivery from Rocketbank

For those who have not heard about the name Rocketbank, I will immediately say that this is a banking brand owned by QIWI Corporation. Rocketbank specializes in remote online services for modern and advanced Russian citizens. The bank does not have offices, but it has a convenient and functional mobile app for all smartphones. This is enough to complete all the necessary financial services. Moreover, the conditions of this card are very attractive.

Why you should pay attention to the Rocketbank card as debit card for payroll?

A debit card without a service fee, that is, it is serviced for free!
All funds on the card are insured by DIA. There is no point in being afraid and worrying.
Free cash withdrawal from the card at ANY ATM in the world up to 150 thousand rubles.
Free transfers to an account or card in other banks.
Cashback in certain stores up to 10%. Stores from the proposed list can be chosen independently every month.
Earn by inviting friends to open a free card - 500 rubles for each friend you refer!
The card will be delivered by courier directly to your home, and in the future all issues can be resolved remotely via the Internet. No queues, paperwork, etc. Very convenient service. Be sure to try. I myself have been using this card for several years.

4. Alpha debit card for payroll

Alfa-Bank offers current and potential customers to consider one of the profitable debit cards at Russian market- Alpha map. This card allows you to enjoy the benefits of a debit card and use it as your payroll card by simply depositing your paycheck into it. Plastic is produced by international payment systems VISA and MasterCard.

Regular alpha map- absolutely free debit card. Lets get at her wages and withdraw money from ATMs of Alfa-Bank. Perfect for most people who need a salary card in a reliable bank.
Alpha map with benefits- debit card with cashback up to 3 percent and interest on the balance on the card. But to get these benefits, you need to make purchases in the amount of more than 10 thousand rubles or keep on balance from 30 thousand. It will also be paid (100 rubles per month) if the above conditions are not met. Perfect for anyone who prefers to use one card for payroll, cash withdrawals and purchases in stores and on the Internet.
Alpha Map Premium is a card product for those who appreciate premium service. To do this, open the package banking services and this card is issued. You get not only a card, but also premium service. This option is perfect for people with above average income, for top managers and directors in companies.

5. Salary debit card OpenCard with free service from Otkritie Bank

Otkritie Bank is one of the largest private banks after the merger of Binbank and Otkritie Bank. This banking giant offers potential clients a very interesting payroll project - an Opencard debit card with free service and bonus program OpenBonus.

Why it is worth opening a salary card at Otkritie Bank:

Reliable and one of the largest banks in the country with a huge network of branches and offices of the former Binbank and Otkritie.
Bonus program OpenBonus with accrual of bonuses for purchases up to 3%. 1 bonus = 1 ruble.
Withdrawing salary from the card at any ATM - no commission.
You can open either just Opencard or Opencard Premium. If you open a regular Opencard, you can choose the Golden Salary VISA card gold, MasterCard World or salary card MIR. If you open a premium card, then it is available for selection VISA Signature or Mastercard Black edition.
The commission for opening a regular Opencard is 500 rubles, which are returned back after making purchases with a card from 10 thousand. That is, consider that there is no commission, since this amount is still returned. Premium card opens without commission. But there is a service charge.
Regular Opencard service is free of charge, and Premium - 2500 rubles per month. But it is possible to use premium card is free if you keep more than 1 million rubles in accounts; 600 thousand rubles and making purchases from 50 thousand rubles or receipts from 200 thousand (for example, salary) and spending on the card from 50 thousand rubles.
The premium card is more suitable for wealthy clients (top managers, company executives) who spend more than 50 thousand on the card, receive a salary of 200 thousand or more, or keep on accounts from 1 million. Free travel insurance is a privilege, free roaming abroad, concierge service, airport transfer, etc..
For most readers of our blog, the Opencard salary card with free service is perfect. As we said, the commission for opening is returned.

6. Universal salary card for free from Sovcombank

Very popular in the last few years, Sovcombank also does not lag behind, and offers to transfer salaries to universal card"Halva". For those who are not familiar with the map, let's say that this is a universal credit/debit card installments. Its main purpose is to pay for goods and services in the bank's partner network in installments for up to 36 years. That is, the preferential interest-free period on the card can be as much as 3 years. But the card is valid in any stores, the only thing that purchases from partners are considered in installments.

Despite the fact that the card has a credit limit, you can use the card as a debit card. This is exactly what many cardholders do. To do this, you can simply store your own funds on it. Payment for the purchase or cash withdrawal occurs at the expense of own funds. You do not even touch the credit limit. But if you wish, you can contact the bank to reduce it to 0 rubles. Although I left it just in case for a large purchase if my funds are not enough.

Other advantages of the Halva salary card of Sovcombank:

The card is completely free, with no annual maintenance.
Withdrawing own cash from the card up to 100 thousand rubles per month at any ATM in the world without commission.
Cashback on the card with partners up to 12% (when paying with a smartphone), or up to 6 percent if paying with a card.
Free delivery by courier or bank branch.
If the card is credit limit, even if small, it can also be used to fix credit history or start it if you haven't had it yet. This will have a positive impact on the chances of obtaining loans, mortgages both in Sovcombank and in other banks.

We recommend this card, even if you have another one as a salary card. A free card with the ability to buy any product from bank partners in installments without interest up to 3 years is a great advantage!

7. Debit salary card with cashback up to 10% from Rosbank

Rosbank, which today is a subsidiary of the French banking group Societe Generale, is one of the TOP-20 largest banks in Russia. He is universal Russian bank, serving different clients (private, corporate persons).

Rosbank offers to open a VISA salary card "#You Can ALL" with a cashback of up to 10% or bonuses to pay for travel expenses!

The main advantages of the salary card "#MozhnoVSE" Rosbank:

You can choose categories where you want to receive increased cashback.
Cashback or travel bonuses up to 2 to 10%. Depends on how much you will spend on the card. The most profitable cashback if you spend from 50 to 80 thousand rubles on the card.
Interest on the balance of funds on the card - from 4 to 6% per annum.
A salary card can be opened in four different currencies: rubles, euros, dollars or pounds.
The card itself is free, but it is serviced as part of the package. You need to choose one of 3 packages that suits you best: classic (199 rubles/month), gold (499 rubles/month) and premium (3000 rubles/month). you can not pay for packages if you fulfill the conditions for free. For example, keep on bank accounts from 100 thousand rubles or make purchases with a card from 15 thousand.
A wide network of ATMs and bank branches in all major cities of Russia.

This product as a salary card is suitable for people with an average or above average income, who spend more than 50-80 thousand rubles per month on the card, travel often and constantly keep on deposit from 100 thousand rubles. For such customers, all the benefits of the card will be at no cost.

8. Payroll card with cashback from Promsvyazbank

Still undecided where it is better to open a salary card with cashback? Then pay attention to the interesting conditions on the Promsvyazbank “Your Cashback” debit card, which will easily become an ideal salary card for you.

First, a little about the bank itself. Promsvyazbank is a state-owned bank, so talking about reliability is meaningless here. From this point of view, the bank is as reliable as possible. Therefore, if you want to open a salary card in a state bank, Promsvyazbank is your choice!

Now in more detail about the conditions of the Promsvyazbank card:

Cashback for purchases from 2 to 5%. On the card, you can choose 3 categories to choose from, where you can receive an increased cashback of up to 5%. For other purchases - standard 1%. Cashback is awarded in the form of points that can be used to compensate for purchases. 1 point - 1 ruble.
5% on the balance are credited in the form of points.
Card service is free, subject to spending on the card from 20 thousand or keeping the same amount on the account. Otherwise - 149 rubles / month.
Free replenishment from a card of another bank up to 150 thousand rubles per month.
Free transfers from 3000 rubles to cards and accounts in other banks. Maximum 20 thousand per month.
Contactless Master Card World or WORLD Advanced.
Preferential terms for loans and refinancing for those who receive a stable income on a Promsvyazbank card. Especially the bank "loves" state employees (doctors, teachers, etc.).
You can open a salary card yourself on the bank's website. You can get it at any nearest office or by courier delivery.

Which salary card to choose in 2020?

Having considered all the proposals, I can say that it is up to you to decide which salary card to choose for transferring your income in 2020. It is impossible to choose a universal offer, since everyone has their own needs and interests. Pay attention to the interest rate on the balance and cashback categories. Where you spend money more often, with such a category of increased cashback, you need to choose a card.

Many who read the rating did not find salary cards of Sberbank, VTB or Post Bank in it. The point is that these state banks monopolists in this segment and they do not come up with anything profitable to attract new customers. Conditions for salary cards in these banks, to put it mildly, are not very good. Well, think for yourself, Sberbank does not charge interest on the balance on a salary card and gives a cashback of only 0.5%. Is it funny? banks that are presented in our rating provide cashback 10 times more than Sberbank, and interest on the balance is comparable to a deposit in Sberbank, and you can withdraw at any ATM in the world, and not stand in lines at one Sberbank ATM. I hope you understand that we recommend changing the banks imposed by the employer and opening salary accounts and cards in those banks where the conditions are really favorable!

We recommend that you carefully read our list of profitable salary cards and make the right decision. But keep in mind that it is quite likely that the accounting department of your company will persuade you to stay in the same bank under various pretexts. Don't believe and stand your ground. But even if it was not possible to issue an application for transferring salaries to another bank, you can simply issue, for example, a Tinkoff card and replenish it from a Sberbank card. That is, you link your current Sberbank card in the Tinkoff Internet Bank, and when you receive a salary on Sber, you simply “pull” the money from it to the Tinkoff card, where you can receive interest, cashback from purchases and withdraw at any ATM every day. Then even your organization will not know which card you actually use as a payroll.

Friends, if you have experience of changing the payroll bank, write your feedback under this post. What card do you use as a salary card, why and how did you manage to change your salary bank.

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Commercial banks offer regular customers special lending conditions operating within the framework of loyalty programs. As a rule, reliable payroll clients benefit, which include individuals of different sex and age who receive payments from the employer openly in a banking institution. plastic card. Usually, to apply for a loan under a preferential scheme, it is not enough just to order Issue of bank cards - the procedure for issuing bank cards into circulation, including all related operations for their maintenance. debit card for payments, as participation in the payroll project is required. It's about about a special corporate service, within the framework of which the employer usually organizes the process of paying wages without the active participation of the employee. In other words, cards are issued on the initiative legal entities. Benefits, in turn, are provided on the basis of the concluded salary project.

How to officially become a payroll client of the bank?

The procedure for participation in the salary project is extremely simple. The future client of the bank agrees with the company that is engaged in employment, the terms of remuneration. Since corporate bank services benefit legal entities in the form of significant savings on commissions, many companies are not averse to taking the time to issue cards intended for employees. As a result, the hired employee only needs to provide his personal data at the stage of employment, after which the employees of the accounting department or the personnel department will process bank cards for the subsequent payment of wages.

The loyalty program in the course of lending to a payroll client usually includes the following benefits:

Increasing the term of the transaction by approximately 20-30% of the standard loan parameters.
Reducing the rate on existing consumer and targeted loans by 1.5-3%.
Reducing the list of documents that must be submitted for approval of the application.
Waiver of requirements related to confirmation of solvency by checking the 2NDFL certificate.
Increasing the efficiency of processing the received application from several days to a couple of hours.
The increase in the size of the loan, including the provision of consumer loans in the amount of significantly more than a million.
Additional bonuses, special offers and various discounts for reliable customers.

In addition to payroll clients, pensioners receive tangible benefits from cooperation with credit institutions. When issuing a card at a financial institution, the client provides a money back guarantee. In addition, an extract from active bank accounts, which is issued within a minute, can be used by an employee of a financial institution to assess solvency and credit rating each borrower.

Loan offers for payroll clients

Learn about the presence or absence special offers for holders of active salary cards, it is possible at the office and on the site chosen for further cooperation credit institution. Per free consultation the future client has the right to apply also to the current hotline jar. Useful information about many domestic lenders are provided on thematic sites and forums where borrowers can leave their feedback.

When choosing an organization for further cooperation, one should pay attention not only to all available conditions for concessional lending. Detailed consideration deserves issues related to the reliability and quality of service in commercial bank. In addition, some institutions put forward all sorts of additional conditions, for example, in order to gain access to special financing programs, a potential borrower is required to actively participate in the current salary project for at least three or six months.

Sberbank

An affordable consumer loan from Sberbank is intended for new borrowers and regular customers of the organization. If the applicant for a loan receives a salary or pension on an active bank account, the rates are reduced to 11.9% when receiving from three hundred thousand rubles or 12.9% when the client expects an amount below the specified limit. By general scheme financing all minimum rates higher by 1%.

Additional benefits for payroll clients:

The maximum loan amount has been increased from three to five million rubles.
Cardholders can apply for loans from the age of 18, while the service is available to other customers from the age of 21.
The procedure for processing applications has been simplified by excluding income statements from the current package of documents.
The required work experience for reliable clients has been reduced from 6 to 3 months.
Improved conditions for refinancing existing loans(up to 5 open contracts).

Money is issued for any purpose within 15 minutes after the approval of the application. There is no collateral in any case, and the loan term ranges from three months to five years. When receiving a salary on the card, the borrower can set the amount of automatic payment according to current loan Sberbank. The money will be transferred on the specified date after wages or other payments are credited to the current account linked to the loan.

Renaissance Credit

Special individual conditions profitable lending for clients of Renaissance Credit Bank include a reduction in the rate to 11.3% with an increase in the loan amount to 700 thousand rubles. New clients can apply for such financing options only after providing various guarantees and an extended package of documents. Otherwise, the rate will be from 19.9% to 24.7%, and the loan amount will not exceed one hundred thousand. For pensioners, there are also preferential terms of cooperation within the framework of the loyalty program, however, the loan amount for non-working borrowers of retirement age is only 200 thousand rubles.

The terms of lending are absolutely independent of the previously chosen program of borrowing funds. The bank issues loans for a period of two to five years. As a thank you for the reliable long-term partnerships organization offers clients available service SMS-informing and free choice of the way to receive a certain amount of money (in cash or in the form of a transfer to cards with free service during the year). Improved lending conditions also include lowering the minimum borrower age to twenty years.

Home Credit

Reliable customers of Home Credit Bank can get cash on credit under an affordable preferential financing program. Minimum amount loan was reduced from thirty to ten thousand, and maximum size, on the contrary, increased from 500 to 999 thousand. The rate for all customer groups ranges from 12.5% to 24.9%.

Additional terms of the deal:

The deadline for lending has been increased by two years from 60 to 84 months.
Registration is carried out according to the passport without additional information.
The choice by the borrower of the optimal date for monthly payments is available.
The bank has provided an extensive list of ways to repay the loan.

It takes up to two hours to process a loan. During this time employees credit institution check the data and evaluate the level of solvency of customers. The loan is issued in the office or through the online banking system without commission for consideration of the application. Allowed early repayment loan. Security is not required.

Raiffeisenbank

A personal loan from Raiffeisenbank is issued at 11.99% with the possibility of reducing costs from the second year to 9.99%. Standard conditions are almost the same as the offer for cardholders, but payroll clients always receive a noticeable indulgence in terms of collecting and submitting documents. You can get from 90 thousand to 2 million rubles for a period of about 12-60 months after submitting a questionnaire and passport information, while a new client will also have to confirm income and employment if the loan exceeds 500 thousand.

Ural Bank for Reconstruction and Development

Participants of the salary project can get access from UBRD to a special loan program with a rate of 11.99%. The loan amount reaches one million rubles, and the duration of the transaction can be 12, 36 or 60 months. A full confirmation of solvency will allow you to increase the term of the transaction up to 5 years. To participate in the selected loan program you will have to prove the fact of regular transfers of funds to the current card account. Payments must be received at least once every 30 days. Otherwise, the rate will be automatically raised to 34.9%. The optimal amount of income is calculated on an individual basis.

The borrower is required to have work experience of more than three months, the absence of previously overdue debts and the provision of a certificate of income. Loans are not issued to clients who have assumed the functions of guarantors for existing loans. In turn, confirmation of solvency will increase the loan amount.

Rosselkhozbank

Rosselkhozbank offers an affordable consumer loan without any collateral for verified payroll clients. The main advantage of cooperation is the low interest rate. Now the bank has a seasonal discount that allows you to take a loan in the amount of 10 thousand to one million rubles at 10.5% for up to 12 months. If the duration of the transaction exceeds 365 days, the rates may increase by 1-5.5%. Nevertheless, even the highest overpayment for a loan in the amount of up to 300,000 rubles for a period of 60 to 84 months will be 16%. This is 5-10% lower than the closest competitors of Rosselkhozbank, which sometimes raise rates up to 30%.

Terms of lending under the credit program "To all workers":

Salary customers can apply for the loan amount, which has been increased to 1.5 million rubles.
The maximum loan amount depends on the level of income received on accounts opened with the bank.
The average rates for employees of budgetary organizations are 1-2% lower.
The length of service required for borrowing must be at least 90 days.
It is possible to confirm income on a bank statement from a salary card account.

In addition, the organization is developing excellent conditions for financing employees of budgetary organizations and pensioners. However, only verified customers who have proven their reliability by actively cooperating with commercial bank for at least six months. In addition, the reliability of the borrower is confirmed by examining the state of the credit history.

To transfer funds, you will need to open a bank account in advance. The involvement of guarantors or the provision of collateral is not required, but it is prohibited to issue a joint loan. The client can choose the best scheme for repaying the debt, saving a little on regular payments.

Alfa Bank

Salary customers of Alfa-Bank can apply for an increase in the size of loans from three to four million rubles at 11.9% per annum with a standard duration of the transaction for 5 years. Additionally, interest rates are reduced, depending on the amount of the loan. If an ordinary borrower pays more than 16.99% for a loan in the amount of 50 to 250 thousand rubles, then a salary employee can count on a rate of 13.99%.

Post Bank

Improved conditions of the First Postal loan product at 12.9% are applied to customers who have connected one of the preferential tariff plans (Salary, Pension or Salary pensioner). Credit terms correspond to the base rate. It is provided from 300 thousand to a million rubles for a period of 12-60 months. The difference lies in the cost of the Guaranteed Rate service. For new clients, connecting this option will cost 1.9-6.9% of the loan amount, while it is enough for salary workers to pay 1%.

Benefits of participating in a salary project

For reliable clients, lenders offer several schemes for borrowing money. However, you can get both an improvement in the conditions of consumer cash lending, and take part in specialized banking programs for certain groups of customers. In any case, there is a noticeable reduction in requirements and the provision of optimal parameters for concluding profitable deals.

The presence of an active salary card guarantees the bank:

Access to up-to-date information about financial flows and income of the borrower.
Simplification of credit procedures Credit scoring is a system for calculating the level of solvency of a client based on statistical methods."> scoring and Underwriting is the study of the probability of repayment or non-repayment of a loan. This procedure is carried out by the bank that makes the decision to issue a loan, and involves determining the solvency and creditworthiness of a potential borrower..
Automation of payments for making regular payments.
Increasing the efficiency of consideration of incoming applications.
Reducing the package of documents required for obtaining a loan.
Gaining access to a source to enforce debt collection.

If regular transactions and cash receipts are traced on the card, the chances of approving the borrower's application increase significantly. Some domestic banks refuse to study income statements if potential loan recipients are holders of valid salary cards.

Additional sources of income should be indicated if there is a side job, temporary employment, a large deposit, social or rental payments. This will increase the size of the future loan, extend the term and reduce the lending rate. The approval / rejection of the application is also affected by the state of the credit history.

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Each bank tries to attract a client. And institutions that orient part of their programs to payroll clients are striving to use the entire arsenal available to them. Therefore, using the bank whose salary card you use can give you some very nice bonuses or benefits when applying for a loan:

Reduced annual rate. Often not too significant, in the range of 0.2-0.5%. But it can reach up to 1.5% on promotional days, or if you're really lucky.
Increased credit limit. Consumer loans are small. Sometimes you need a lot more large sum. And the salary card can slightly raise the upper bar of the loan.
No need to collect a lot of documents. If you already have a salary card in the bank, then you do not need to provide a pile of documents again. And since officially the salary goes to the bank, often a certificate of income confirmation is not needed either - the bank already sees how much and how often you receive.
Increased application processing speed. Some banks prioritize payroll clients in order to respond to their inquiries more quickly. In addition, it often becomes possible to take out a loan in Internet banking or wait until the manager arrives with documents at your place of work.

Naturally, not all banks provide all bonuses at once. In some institutions you can find only one or two.

Only a few are ready to immediately increase the size of the loan, and reduce the interest on it, and even quickly consider the application for one or two documents. Beauty, not a loan! But not everything is so simple.

Is it profitable to take a loan from a payroll bank?

It may seem that there are no cheap loans. Yes it is. But they are still less expensive than other offers on the market. Why do organizations go for preferential terms for payroll clients? Everything is simple. Majority banking institutions seeks to retain as many people as possible who will use the services in the future.

For this, special loyalty programs are being developed - the bank only slightly reduces own profit creating benefits for ordinary people. This is what customers go for, for whom a banking "slightly" can be very significant. But, of course, in such a way to solve financial difficulties There are pros and cons that you should definitely consider.

Positive sides

Of course, a loan from a payroll bank is beneficial when you need to save literally on everything or take quite a lot. large sums for long periods. Because it allows you to achieve several goals at once. So what are the benefits you can expect:

The loan is issued in an already verified bank. That is, there is confidence that the institution is reliable, and the money will definitely come.
You can manage loans and salaries literally through one plastic card. The main thing is to replenish on time so that the entire salary does not go to pay the loan.
Banks offer a bunch of favorable conditions for those who are already served by them on an ongoing basis, up to a reduction in the interest rate by several points.
Some banks can for increased loyalty, and then applications for loans will be considered much faster and better.
If both the credit and salary program are very bad, then it will make sense change bank for service.

But is there a catch? Why are banks so loyal to the customers they already serve, is it just to increase the number? It's not just that the institution has already collaborated with these people. But about this - in the minuses.

Negative sides

Even such a product as preferential terms for a loan for those who already have a salary card cannot be ideal. The main disadvantage and catch here lies in the conditions for issuing a loan to a payroll client.

Be aware that many financial institutions have the right arbitrarily write off part of the salary on account of debt. Yes, yes, the bank will independently repay the delay with your money without your knowledge. And what's more - you yourself allow him to do it.

How it works? When issuing a loan to a payroll client, the bank can specify a specific condition: it has the right to debit money from payroll card accounts. But the condition works only if it is spelled out in the contract (and it is most often spelled out). And you can also withdraw not all the money, but only some part. So the owner of the plastic will not be left without pants.

Fortunately, this minus will be significant only for those who periodically miss the payment date. But other negative points include the following:

payroll bank will not always have the most favorable interest even compared to other institutions;
increasing the limit may be of no use to you, because you need a small loan;
you may have a not very profitable salary program that will negate all the positive qualities of a bank loan;
the bank itself can be terrible in service / reliability / stability (but in this case it is better to transfer the salary to another institution and take a loan there).

As you can see, you need to carefully study the salary project program and the benefits that the bank is ready to provide. If they are, and they suit you, you can safely take it, counting on the strength for the further return of the loan.

The best loan offers from payroll banks

Now that we have considered all the pros, cons and features of benefits from banks with a salary program, you can see the most advantageous offers. Perhaps you will have a reason to take advantage of the opportunities available. Or simply change the payroll bank to a more profitable one.

Attention! Possible minimum rates are indicated in the description of banks. In fact, they can be much higher - it depends on how the bank considers annual percentage individually for each client.

Sberbank

The best financial institution country with a huge client network. Including among the "salaries". Sberbank offers certain concessions, reinforcing them with good service and the convenience of the bank itself. Also, Sberbank often hosts promotions that can significantly reduce the rate for consumers, both on mortgages and on ordinary loans. By the way, managers go to the workplaces of clients and draw up a loan there.

The bank prefers to work with almost all benefits. It offers salary customers a loan for 5 years in the amount of up to 5 million rubles (against 3 million for new customers). It is promised that the percentage will be kept at a minimum of 11.4%, while non-salary users can expect 12.4%. I am glad that you can apply for a loan through Sberbank Online, so you don’t even have to stop by the office until you are offered money.

Mortgage is issued for up to 30 years, the promised "salary" interest - 6.7% against 7% for other clients. Loan for housing is issued without commission. All other conditions remain unchanged, and maximum amount credit is calculated individually and may well be higher for regular customers.

Rosselkhozbank

This financial institution is owned by the state and is one of the top thirty in the country. It tries to take care not only about payroll clients, but also about employees public sector which is very pleasing. But the main conditions here are not aimed at reducing interest, but at large amounts and terms, which may be convenient for someone.

In particular, the offer to "salary workers" for consumer loans has a similar percentage, from 10.5%. But at the same time, the terms and amounts have been extended. That is, payroll clients can get at their disposal up to 1.5 million rubles against 700 thousand rubles. At the same time, they are given a period of up to 7 years, and not up to 5 years, as ordinary clients.

Now let's talk about mortgages. Unfortunately, in Rosselkhozbank, under the regular program, payroll clients are provided with a minimum discount of 0.1% (from 8.85% versus 8.95% for third-party clients). Other conditions are unchanged - up to 60 million for a period of 30 years. But this is not all that the institution has to offer! At the same time, Rosselkhozbank has several dozen proposals from partner developers. There, the annual rate for payroll clients can be much lower, as low as 5%, while outsiders are unlikely to receive less than 6.5%.

VTB

This bank does not have the most low interest on the market, but compensates for this with excellent service and wide opportunities for borrowers. VTB is ready to offer very favorable conditions to the owners of payroll cards.

For consumer loans - payroll customers can count on a rate of 12.5% versus 12.9% for ordinary people. In addition, they can take up to 5 million rubles, and not up to 3 million, and pay them back for 7 years, while people from the street are entitled to only 5. VTB also promises to consider an application for a loan from a regular client in 15 minutes.

Mortgage programs are more scarce in benefits. “Salariers” are offered an annual rate of 8.9% instead of the standard 9.1%. Interestingly, the maximum loan amount is up to 51.085 million rubles, while others can receive up to 50.494 million. The terms are the same for everyone - 30 years in both cases.

Alfa Bank

This bank is ready to praise for a long time own program support for payroll clients. He even has a separate page on his website to list everything possible benefits, relying on this category of customers. However, there is enough pleasant information about loans. We just need to consider it in more detail.

Alfa-Bank is ready to offer an annual rate on consumer loans of 10.99% for all customers. But payrolls can ask for a loan of up to 4 million against 3 million. The loan is issued for 5 years. We are pleased with a very pleasant refinancing - here a salary client is able to receive 3 million instead of the standard 1.5 million. Moreover, the loan must be “laid down” in 7, not 5 years.

At the same time, this bank is ready to make a small discount on mortgages. For "salariers" the annual rate is kept at 9.29% against 9.59% for ordinary clients. But I am glad that the bank is ready to meet halfway and do less an initial fee(15% vs 20%). There are no differences in other points.

Tinkoff

The best bank according to the reviews of satisfied users, which strives to make the life of its regular customers better. At least in terms of loans. Unfortunately, it works mainly on lending, so profitable mortgage terms need to look elsewhere.

I am pleased with the favorable interest rate on consumer loans. Tinkoff promises a rate as much as 3% lower. As a result, "salariers" can count on a minimum of 12% instead of 15% of non-salary clients. Other conditions do not change, you can get up to 1 million for 3 years. It is also worth remembering that bank managers can come directly to work and draw up all the necessary papers there. The application is considered, of course, faster.

Concerning mortgage loans, then here Tinkoff Bank did not excel at all. In fact, he acts only as a free intermediary between the client and partner banks. The bank itself does not offer a mortgage, so there are no preferential terms at all.

Summary tables of profitable offers from payroll banks

To summarize the reviews a little, we will compile two summary tables for these five banks. This will allow you to quickly find the most profitable terms for myself.

Consumer loans

The first table is conventional loans. Let's compare what conditions banks offer for their regular customers.

Bank's name	Benefits for Payroll Clients	Conditions for payroll clients	Conditions for new customers
Sberbank	Reduced rate Increased limit	11,4% 5,000,000 rubles	12,4% 3,000,000 rubles

The salary card is used to accrue wages, bonuses, material assistance, travel and other payments to its owner. To become a participant in the salary project, it is necessary to conclude a special agreement with the bank serving the enterprise. Get to know the most great deals you will be allowed by the rating compiled by credit institutions that are included in the TOP-30 institutions of the country.*

Sberbank of Russia

The leader in terms of the volume of issued payroll cards and branching of the ATM network. Depending on the scale of the enterprise, as well as the position and income level of the employee, the bank offers systems:

PRO100;
Mastercard;
Visa.

Benefits apply to participants of the salary project:

issuance and maintenance of cards - free of charge;
withdrawal of money through an ATM without commissions within the limit;
preferential rates on loans;
participation in discount programs from Sberbank partners;
issue of additional cards;
connection of SMS alerts through a mobile bank;
account management via Internet banking;
participation in the bonus project "Thank you from Sberbank".

Advantages:

Cardholders have access to preferential loans in the amount of up to 3 million rubles. for a period of 3 months. up to 6 years old.
Because the bank has basic information about each client, an application for a loan is considered in a few hours.

Flaws:

There is a daily limit for cash withdrawals through an ATM, the amount of which depends on the status of the card. If it is exceeded, the bank takes a commission.
When concluding an agreement with the bank, the client signs standard conditions. Subsequently, the financial institution has the right to change its individual provisions unilaterally.

Gazprombank

It has cards with wide possibilities and numerous system bonuses:

VISA;
Mastercard;
UnionPay;

The status of the card depends on the choice of the company.

Participants of the salary project have the following advantages:

issue and maintenance of payment instruments without commissions;
receiving up to 4 additional cards for free;
no restrictions on cash withdrawals;
discounts and privileges from partner companies;
free SMS notification and provision of monthly statements.

Advantages:

Salary cards are equipped with a microprocessor, which increases their security.
It is possible to provide a loan in the form of an overdraft.
On the preferential terms line of deposits.
A special package of services is provided for the executives of the company.

Flaws:

Lack of cashback and interest on the balance of funds.
When receiving cash through the cash desk, a fee is charged.

VTB 24

The financial institution offers its clients classic and premium card systems:

Members of the social package have the following opportunities:

issue a main and two additional cards for free;
receive preferential terms for a loan;
open a savings account at 8.5% per annum on the balance of funds;
make transfers and payments through Internet banking without commissions;
receive miles, bonuses or cashback on additional payment instruments;
issue a credit card with an interest-free period of 50 days;
withdraw cash from the VTB ATM network without commissions.

Advantages:

Own discount program "Collection" allows you to accumulate miles and exchange them for rewards.
When opening a deposit for payroll clients, preferential conditions apply.
Free SMS-informing is provided when the salary is credited to the card.
The security of payments on the Internet is ensured by 3-D Secure technology.

As disadvantages, it should be noted that additional costs for salary card holders are possible:

for connecting an extended package of mobile or Internet banking.
when receiving cash from a bank that is not on the list of VTB24 partners.
in case of dismissal, since the cost of issuing and servicing the card falls on its owner.

Financial Corporation "Opening"

As payroll products, the bank uses cards of various categories:

Visa;
mastercard.

The institution offers the following service packages to its employees:

Payroll card holders have access to:

cash withdrawals at ATMs of FC Otkritie, partner organizations and other ATMs around the world;
registration of additional cards;
money transfers to other accounts, including those opened in foreign currency;
24/7 account management via internet banking;
control of the balance and movement of money using the SMS service;
implementation of the conversion of funds at the bank rate in case of a cashless transfer.

Advantages:

No commission is charged for receiving cash at Otkritie ATMs and partner financial institutions.
It is provided in the amount of up to 70% of the funds credited to the card.
Accumulation of money on the Nomos-Profitable account is provided.

Flaws:

The bank takes a commission for servicing additional cards.
There is a limit on cash withdrawals in third-party banks and a commission is set.
A penalty will be charged in case of loss or damage to the card.

Rosselkhozbank

As part of the salary package, the bank offers cards of systems:

Visa;
Mastercard;
UnionPay.

Employees are entitled to the following benefits:

receive cash at ATMs and cash desks of a financial institution without commissions;
arrange mortgage, auto and consumer loans with a reduced rate;
order additional payment instruments in the name of their representatives;
control your card account online.

Advantages:

Fast processing of loans with a minimum package of documents.
Applying for a salary project by both a legal entity and an individual.

When withdrawing cash, the following problems are observed:

Weak branching of the ATM network.
Bank offices are often located in small premises.
Not all terminals of third-party banks issue cash.
The withdrawal amount is limited by a daily limit.

Alfa Bank

In the “Corporate” service package, the bank offers classic, gold and platinum salary cards Visa systems and MasterCard. Alfa-Bank allows their owners free of charge:

Advantages:

Depending on the characteristics of the company, the bank sets individual tariffs for servicing.
Special conditions are provided for employees when applying for loans.
The cards provide discounts in partner networks.
The money is credited to the account on the day the salary is credited. Replenishment of the card through the operator or ATM is also done instantly.
The bank issues international cards that are valid all over the world.
After a 3-year validity period, the card is reissued by the bank automatically.

Flaws:

There are daily limits for receiving money through an ATM.
Connection of SMS-informing is paid.
The use of the Alfa-Mobile phone application is paid.

UniCredit Bank

For salary recipients, the financial institution has developed cards:

Visa Classic+ with the Classic package.
Visa Gold+ with Gold service package.

There are benefits for employees across the full range of offers and services:

Advantages:

When applying for loans, a minimum package of documents is required.
Interest is accrued monthly on the balance of the account.
The costs and risks of customers can be reduced by the personal processing center of the bank.
Employees of one firm can open accounts and be served in different branches of the bank.

The disadvantage is a small network of ATMs.

Promsvyazbank

The bank offers the following cards to paying customers:

PSB - with a program of discounts and privileges.
Promsvyazbank-Transaero - with welcome points and bonuses for every 100 rubles spent.

Employees who have concluded an agreement with a financial institution get the opportunity to:

accumulate bonuses and spend them when paying for purchases or convert them into money;
receive a discount discount of up to 40% of the cost of goods in partner networks;
manage an account in the free internet bank PSB-Retail;
issue a credit "Supercard" with grace period 145 days;
control income and expenses through the Smart Money service;
open deposits and savings accounts in rubles and foreign currency;

Advantages:

Loans are provided at a preferential rate, when applying for a passport is enough.
For payments and through the Internet bank in the amount of up to 10 thousand rubles. commission is not charged.

Flaws:

SMS-informing is connected for a fee.
Withdrawing money from ATMs of Promsvyazbank and partner financial institutions is limited by a daily limit.

Credit Bank of Moscow

The bank offers payroll package holders cards of various statuses of Visa and MasterCard systems. When they are issued, employees have additional opportunities:

receive a loan in the form of an overdraft;
draw up several additional cards;
take part in bonus program MKB and enjoy discounts on discount projects;
manage the account through the Internet service MKB Online;
have additional income, accrued on the balance of the account;
receive a free statement of balance by e-mail.

Advantages:

SMS-informing is provided without commission.
Preferential consumer loans are available to participants of the salary package.
Cash withdrawal without commissions at MKB offices and ATMs, as well as from partner organizations.

Flaws:

Cash withdrawal through an ATM is limited by a daily limit.
Insufficient distribution of ATMs.

Raiffeisenbank

Salary clients are given Visa cards and MasterCard. As part of the service package, the financial institution offers employees:

The main advantage is favorable conditions for obtaining loans.

Flaws:

Service package upon dismissal, if credited to the account within 2 months. funds are not received.
If the cardholder does not fulfill the conditions of free service, the commission for using the package is deducted from the account.
There is a daily limit for cash withdrawals.

*Data update date – the first ten days of August 2016.

There are several tools to reduce the cost of your loan. For example, instead of a 2-NDFL certificate, you can submit a certificate in the form of a bank to a credit institution, where you can indicate all income, including gray ones, in order to increase the chance of approval. But we will consider such an opportunity as a payroll client. It is for this category of citizens that most banks have special lending conditions.

Who is a Payroll Client?

Everyone has come across this concept. A payroll client is one who receives salary on a bank card within the framework of special program cooperation. In credit institutions, such consumers inspire great confidence, since all income can be traced. At the same time, some organizations practically forcibly transfer their employees to the cards of one bank so that the money arrives on time. Thus, the customer base of the credit institution itself is replenished, which is certainly a huge plus.

Benefits of a payroll client

First, there is no need for additional paperwork. A 2-personal income tax certificate is not needed, since the bank can directly track your income and expenses. Passport data and contacts are also already present in the bank.

Secondly, most banks have additional product offerings for such clients. This includes a mortgage on preferential terms, a reduced rate on consumer loans, and much more.

Thirdly, if you are already on credit and receive a salary on a card of the same bank, you can easily transfer funds from a salary account to a credit account, which is convenient for most citizens.

How to become a payroll client?

The procedure is quite simple. You need to contact your accounting department with a statement that you want to become a payroll client of a particular bank. Those, in turn, should warn you that in the event of a change in the credit institution, the money may arrive with a delay of up to 3 business days, as with a regular transfer.

Various concessions on the example of the largest banks

Consider what preferences a salary client receives in a particular bank. The first in the rating "Sberbank". Ready to provide loans individuals who receive a salary on a bank card at a reduced rate of 1%. This is stated on the website of the financial organization.

VTB 24 Bank is ready to offer payroll clients a reduced interest rate for all credit products including mortgages and car loans. In addition, it becomes possible to profitable loan for larger amounts.

In addition to the above, the decision on loans is made almost instantly, and the number required documents decreases. Also, a salary client can count on his own manager, who will manage his loan to the very end. In addition, services for regular cards and credit cards for payroll customers will be reduced or even become free.

Gazprombank's clients who receive salaries on the bank's card will be consulted on all retail products and will be able to get credit on preferential terms. At the same time, the approval procedure will be accelerated and simplified to the maximum.

Rosselkhozbank is not ready to provide any special conditions for its payroll clients if they do not work in budget organizations. In any case, if you receive a salary from this credit institution, then the loan rates will be slightly reduced compared to ordinary clients.

Alfa-Bank, like other banks, provides payroll customers with preferential rates on loans. In addition, he is ready to increase the limits on them. If you apply for a loan, you will receive a personal manager who will advise you on all important issues.

Being a payroll client of the bank where you get loans is useful and economical. Naturally, for holders of such cards, many banks have cashback and other bonuses.