How to quickly get a salary card in VTB 24

VTB24 is the largest bank that has been cooperating with many Russian companies within the framework of a salary project for a long time. Among his clients are such giants as Russian Railways with more than 1 million employees. But despite the bank's wide popularity among many who want to receive a salary on a card, the question arises - how to get a VTB24 salary card? To get a competent answer to this question, you need to familiarize yourself with all the nuances of issuing such a card.

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To apply for a VTB24 salary card, the future owner needs to apply to a bank branch, while providing bank specialists with a copy of the work book, which will indicate the client's employment.

The Bank issues cards on the basis of two payment systems: Visa and MasterCard, the specific payment system of the card is chosen by the client himself. Having received a salary card, a bank client can pay with it in a variety of places, such as shopping centers, gas stations, terminals, ticket offices of railway stations and airports.

Opening and issue

In order to open salary cards for its employees, the company must contact the bank in order to conclude a cooperation agreement. In the process of drawing up the contract, the company's management must choose the tariff (type of salary project) at which the bank will serve their customers, this decision will directly affect the type and category of cards issued to employees.

After the conclusion of the contract, VTB24 Bank employees visit the client's enterprise. During the visit, specialists familiarize employees of the company with the rules for using payroll cards, bank rates, and also explain how to protect yourself from fraudsters.

Upon receipt of "plastic" in the accounting department, the employee must also present a passport and sign for receiving the card in the relevant document

After completion of the familiarization procedure, the bank employees submit a certain number of questionnaires (according to the number of employees) to the company's accounting department, which employees must fill out in order to receive cards. Each employee of the enterprise fills out the questionnaire on his own, for this he will need a passport and an identification code.

Then, when all the questionnaires are filled out, the accounting staff personally take them to the bank to start the process of issuing salary cards. Sometimes, especially at large enterprises, bank specialists independently collect questionnaires. In the above way, you can issue a salary card for any employee of the enterprise.

Approximately through 2-3 weeks(average duration of the card production procedure) employees of the enterprise can collect their salary cards. You can do this both on your own, by coming to the bank branch with a passport, and by receiving cards in the accounting department. The first case is mainly relevant for small businesses.

Important disclaimers

Choice of services and bonuses

The choice in favor of a salary card instead of cash is justified by the many advantages that its use provides. Firstly, this is convenience: an employee of the enterprise can receive a salary at any convenient time, for this it is enough to find one of the many VTB24 ATMs. Secondly, the system of paying salaries to cards saves the employer's money: he does not need to spend money on the services of collectors and the maintenance of a large accounting staff.

Also, an advantage for the client will be the ability to pay for purchases without commission both within the Russian Federation and abroad.

In turn, employees of the enterprise using VTB24 payroll cards receive bonuses in the form of an overdraft card and easier access to loans. Overdraft allows you to receive borrowed funds on a debit salary card. This does not require writing applications for a loan and other additional actions, you can simply withdraw funds from the card within the established limit.

Also, the bank has higher confidence in the owners of VTB24 salary cards in a situation of applying for a loan, since the bank has access to the client's salary accounts and guarantees itself a stable loan repayment. Given this fact, VTB24 is more willing to issue loans to the owners of payroll "plastic" and issue them credit cards on favorable terms.

Typically, customers are advised to choose a payroll card based on the MasterCard payment system. These cards are already connected to the "Collection" bonus program, thanks to which you can receive bonus points for every card spent 50 rubles. In the future, these points can be exchanged for goods from a special catalog.

What is needed for a gold analogue

In addition to classic cards, the bank can issue cards of the "gold" category to employees of companies.

Such cards have some differences from standard products:

funds on the card account are subject to free insurance;
privileged cards have a higher daily cash withdrawal limit;
the owner of the "golden plastic" can issue another additional card;
the amount of money spent on purchases and payment for services is covered by a "cashback" in the amount of until 3%.

In turn, the owner of the Gold card can receive funds to the card account not only from the employer's accounting department, but also from third-party financial organizations. He can also manage the card account and replenish it at the bank's offices and through the Internet service.

To receive a "golden" salary card, the future owner must meet certain requirements:

have a permanent place of work;
be a citizen of Russia at the age of from 21 to 68 years old;
be registered in the entity in which the card is received.

If the client meets the above requirements, then he can apply to the bank branch with an application, it is also possible to apply online. In the process of issuing a card, you will need to provide the employees of the department with a copy of your work book or employment contract.

Additionally, the bank may request a certificate confirming the amount of the client's income, this can be either a personal income tax-2 certificate or a document drawn up in any form. After completing the registration procedure, the client will receive his card within 2-3 days.

Additions to the base and cost

Under the terms of the agreement, the owner of the salary card has the right to issue additional cards that will be “linked” to the main account. These cards will have their own number and can be issued both to the owner of the main card, and to his relatives or relatives.

This service is especially relevant if there is a need to issue a card for a minor child. The child will receive a card that can be freely used, and parents will be able to control his expenses through the management of the main account.

Also of interest is the option of issuing an additional credit card to the VTB24 salary card. At the same time, if a debt is formed on a credit card, then the client will not need to repay the loan in cash at terminals or bank branches.

On the day of payment of the monthly payment, the amount necessary for repayment will be automatically debited from the salary card account, and the client can control the repayment through Telebank

In turn, additional the card can be issued for use abroad: quite often, when paying for purchases in other countries, cards are blocked by the payment system for security purposes. Therefore, it will be convenient if the client retains the main one when blocking an additional card. Also the release of additional cards would be appropriate to increase security: if they steal extra. card, the client can block it and continue to use the main card.

The conditions and requirements for tariffs (except for the lower annual service) for additional cards do not differ from the conditions for the tariffs of ordinary cards. The client and the bank have exactly the same rights and obligations as in the main card agreement.

The procedure for obtaining additional cards is simple and does not take much time:

To begin with, the owner of the main card must personally come to the VTB24 bank branch, taking with him the person for whom the additional card will be issued, or his passport.
Then you will need to fill out an application for issuing an additional card, in which you will need to indicate your own passport data, as well as the data of the future owner of the additional card.
After submitting the application, the bank, within a maximum 10 days will make a decision on the possibility of issuing an additional card. The bank also retains the right to refuse a client without giving a reason.
If the bank approved the application, then after a certain amount of time, the owner of the main card or the person for whom the additional card was issued. card can get a card at a bank branch by presenting their passports.

In total, the client can issue up to 5 additional cards. Their possible maximum number depends on the type of the main card. Additional cards are issued absolutely free of charge, and the cost of their annual maintenance depends on the type of the main card.

For example, if the main card is "gold" (annual service - 3000 rub.), then the price for a year of servicing an additional card will be 1500 rubles, if the salary card is classic (service - 750 rubles per year), then the cost of a year of using an additional card will be 375 rubles.

The main rule is the cost of annual maintenance. cards are two times lower than the price of servicing the main card. To the "platinum" main card, you can issue additional cards with free annual maintenance.