The most profitable bank for payroll clients. Loans for payroll cardholders: pros, cons and best offers
By receiving payments from an employer through a specific bank, you can count on privileges or benefits under loan programs. Consider what kind of loans Sberbank offers to payroll clients in 2020 and their features.
It should be noted right away that a consumer loan for salary clients at Sberbank is offered under the same program as for ordinary applicants. But you can count on some privileges in registration, as well as a lower rate. It is believed that a positive response to such an applicant is practically guaranteed, however, there are several reservations.
Program selection criteria
The program criteria are as follows:
- Quantity: from 15 to 1500 thousand rubles;
- Maximum term for payments: 5 years, minimum - 3 months;
- Purpose: No need to explain.
- Commissions, additional payments: absent;
- Early repayment: in any amount, without penalties;
If the amount is needed a little more, it is already necessary to have security. Any housing or real estate (plot of land, garage), which is registered in the ownership of the applicant, can be considered as such. It is also permissible to ask friends to act as guarantors. At the same time, their incomes participate in the calculations, and therefore they are able to influence the permission to issue a large amount. In the first case, it is permissible to request any size within the housing price.
Conditions for obtaining a cash loan
Wanting to get a loan from Sberbank in cash, the following conditions are provided for salary clients:
- The ability to apply online;
- Expedited review procedure;
- Smaller package of documents;
- Reduced rate;
- Possibility to set up payments from a salary card.
Conditions for the provision of services within the framework of "payroll" projects
Bets - settlement features
Consider the interest rates offered by Sberbank for loans to payroll clients. They are calculated according to the borrower's criteria and directly depend on the duration of the relationship:
- Up to 2 years: from 15.9%;
- Over 2 years: from 16.6%.
For secured software, rates are typically 1% lower.
Calculator on the website for salary clients
For comparison, the rate for a regular applicant, under equal conditions, will be increased by 2%. To determine in more detail the rate that will be calculated on a loan at Sberbank for salary clients, a calculator on the institution's website will help you find out. Here you need to fill out the main points of the questionnaire:
- Magnitude;
- Duration of debt repayment;
- Basic income;
- Personal characteristics.
Be sure to choose a category - salary. If you want to take into account additional criteria, you should choose the extended option, where you can enter the amounts of other income, family income, the required amount of expenses, the number of people. This will allow taking into account all the client's criteria as much as possible. The calculator will provide the answer: it will calculate the rate and payments on a monthly basis indicating the total amount of the overpayment. If the client's requests do not meet his capabilities, a response proposal will come, close to the request, but more feasible.
If you carry out such a calculation in advance, you can immediately understand whether the application will be approved with the selected request parameters.
Simplified procedure for registration and approval
To take out a loan from Sberbank, a payroll client does not have to submit an application in person. This can be done online: from the bank's website or from the Personal Account. In the first case, you will first need to enter your phone number, which will be used to access the application. This is necessary for identification.
Consumer loan for salary clients of Sberbank
The advantage of the second option is the filling speed. An application for a loan to Sberbank for a salary client online contains only preferences according to the criteria of the loan, because the institution already has all the personal information. Often, special offers are developed for regular customers. You can see them in the Loans section in your Cabinet. Here the amount and a convenient repayment schedule have already been calculated based on the level of wages. If this offer is interesting, you should click on it and send it as an application. There is no need to worry about approval, because the bank itself offered this loan.
Terms of approval and issuance of a loan
In case of personal contact, you need to enter the full data, therefore you will need a passport. Approval for the issuance of a loan takes up to 2 days, but for this category it is possible to immediately receive an answer. This is due to the accelerated procedure for verifying customer data. After all, the most important information is already available: the time of employment, the amount of regular income. Therefore, the package of documents for this category is narrowed down to one passport.
Possible reasons for refusal to salary clients
Almost the only reason why Sberbank refused a loan to a salary client is a low credit rating. If the previous loans were repaid with debt, with the application of penalties, then the client falls into a risk group and no institution wants to see him among its borrowers. Also, the reason may be the presence of loans in other institutions. In this situation, everything depends on the applicant's ability to pay. If his income allows him to pay both debts, the answer may be yes.
Loan payments
In Sberbank, loans to salary clients are issued in the form of a one-time transfer to an account from which money can be withdrawn or transferred to the necessary structures. Repayment takes place in equal amounts and it is permissible to perform it in any way:
- Set up transfers from a salary card. Convenience lies in automation, when the client does not need to worry about meeting deadlines.
- Deposit in cash to the cashier of the branch.
- Transfer from any card through an ATM, Sberbank Online, Mobile Bank.
- Deposit in cash through the terminal.
Loan fines
The salary client must pay the debt for a loan to Sberbank on time. In case of violations, on a general basis, a commission or a penalty is imposed on it - 20% for each day. It is worth remembering that this also leads to a violation of the credit history, which subsequently makes it difficult to apply for a loan, even in another institution. It is also necessary to take into account the time of the transaction in order not to receive a fine due to a technical problem.
The salary card is used to accrue to its owner wages, bonuses, material assistance, travel and other payments. To become a member of the salary project, you must conclude a special agreement with the bank serving the company. The rating compiled by credit institutions that are included in the TOP-30 institutions of the country will allow you to get acquainted with the most advantageous offers. *
Sberbank of Russia
The leader in terms of the volume of issued salary cards and the branching out of the ATM network. Depending on the scale of the enterprise, as well as the position and level of income of the employee, the bank offers the following systems:
- PRO100;
- MasterCard;
- Visa.
Benefits apply to participants in the salary project:
- issue and service of cards - free of charge;
- withdrawing money through an ATM without commissions within the limit;
- preferential rates on loans;
- participation in discount programs from partners of Sberbank;
- issue of additional cards;
- connection of SMS notifications via a mobile bank;
- account management via Internet banking;
- participation in the bonus project "Thank you from Sberbank".
Advantages:
- Concessional loans of up to 3 million rubles are available to cardholders. for a period of 3 months. up to 6 years old.
- Since the bank has basic information about each client, a loan application is reviewed in a few hours.
Disadvantages:
- A daily limit is set 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 terms and conditions. Subsequently, the financial institution has the right to change some of its provisions unilaterally.
Gazprombank
Has cards with ample opportunities and numerous system bonuses:
- VISA;
- MasterCard;
- UnionPay;
The status of the card depends on the choice of the company.
Salary project participants 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.
- The line of deposits operates on preferential terms.
- A special package of services is provided for the company's executives.
Disadvantages:
- Lack of cashback and interest charges on the balance of funds.
- When receiving cash through the cashier, a commission is charged.
VTB 24
The financial institution offers its clients classic and premium system cards:
Participants of the social package have the following options:
- issue a basic and two additional cards for free;
- get 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:
- Our own “Collection” discount program allows you to earn miles and exchange them for rewards.
- When opening a deposit for salary clients, preferential conditions are applied.
- 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 are possible for holders of salary cards:
- for connecting an extended package of mobile or Internet banking.
- when receiving cash at a bank that is not on the list of VTB24 partners.
- in case of dismissal, since the costs of issuing and maintaining the card fall on its owner.
Financial corporation "Otkrytie"
The bank uses cards of various categories as salary products:
- Visa;
- MasterCard.
The institution offers the following service packages to employees:
Salary card holders have access to:
- withdrawing cash from 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 an SMS service;
- conversion of funds at the bank rate for wire transfer.
Advantages:
- No commission is charged for receiving cash from Otkritie ATMs and partner financial institutions.
- Provided in the amount of up to 70% of the funds credited to the card.
- There is provision for the accumulation of money on the Nomos-Profitable account.
Disadvantages:
- The bank takes a commission for servicing additional cards.
- There is a limit and a commission for cash withdrawals in third-party banks.
- A fine will be charged in case of loss or damage to the card.
Rosselkhozbank
As part of the salary package, the bank offers system cards:
- Visa;
- MasterCard;
- UnionPay.
Employees have the right to enjoy the following benefits:
- receive cash from ATMs and cash desks of financial institutions without commissions;
- issue mortgage, auto and consumer loans at a reduced rate;
- order additional payment instruments in the name of their representatives;
- control the 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 spaces.
- Not all third-party bank terminals issue cash.
- The withdrawal amount is limited to a daily limit.
Alfa Bank
In the "Corporate" service package, the bank offers classic, gold and platinum salary cards of the Visa and MasterCard systems. Alfa-Bank allows their owners to:
Advantages:
- Depending on the characteristics of the company, the bank sets individual service rates.
- There are special conditions for employees when applying for loans.
- Discounts are provided for cards in partner networks.
- The money is credited to the account on the day the salary is credited. Replenishment of the card through an operator or ATM is also done instantly.
- The bank issues international cards that are valid all over the world.
- After the expiration of the 3-year validity period, the card is automatically reissued by the bank.
Disadvantages:
- Daily limits are set for receiving money through an ATM.
- Connection of SMS-informing is paid.
- The use of the Alfa-Mobile phone application is paid.
UniCredit Bank
The financial institution has developed cards for salary recipients:
- Visa Classic + with Classic package.
- Visa Gold + with the Gold service package.
There are benefits for employees across the entire range of offers and services:
Advantages:
- When applying for loans, a minimum package of documents is required.
- Interest is calculated on the account balance on a monthly basis.
- The costs and risks of clients can be reduced by the personal processing center of the bank.
- Employees of one firm can open accounts and receive services in different branches of the bank.
The disadvantage is the sparse ATM network.
Promsvyazbank
The bank offers the following cards to salary clients:
- PSB - with a program of discounts and privileges.
- Promsvyazbank-Transaero - with welcome points and bonuses for every 100 rubles spent.
Employees who have entered into an agreement with a financial institution are able 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 your account in the free internet bank PSB-Retail;
- to issue a credit "Supercard" with a grace period of 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; a passport is enough for registration.
- For payments and through the Internet bank in the amount of up to 10 thousand rubles. no commission is charged.
Disadvantages:
- SMS informing is connected for a fee.
- Withdrawing money from ATMs of Promsvyazbank and partner financial institutions is limited to a daily limit.
Credit Bank of Moscow
For holders of the salary package, the bank offers cards of various statuses of the Visa and MasterCard systems. When registering them, employees have additional options:
- receive a loan in the form of an overdraft;
- issue several additional cards;
- take part in the MKB bonus program and enjoy discounts on discount projects;
- manage the account through the Internet service MKB Online;
- have additional income accrued on the residual amount of the account;
- receive a free balance statement by email.
Advantages:
- SMS informing is provided without commission.
- Preferential consumer loans are available to members of the salary package.
- Cash withdrawal without commissions in offices and ATMs of MKB, as well as from partner organizations.
Disadvantages:
- Cash withdrawal through an ATM is limited to a daily limit.
- Insufficient distribution of ATMs.
Raiffeisenbank
Visa and MasterCard cards are issued to salary clients. As part of the service package, the financial institution offers employees:
The main advantage is preferential conditions for obtaining loans.
Disadvantages:
- Service package upon dismissal, if the account is credited within 2 months. funds are not received.
- If the cardholder does not fulfill the conditions of free service, a commission for using the package is deducted from the account.
- There is a daily limit for cash withdrawals.
* Date of data update - the first ten days of August 2016.
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Commercial banks offer special lending conditions for regular customers, operating within the framework of loyalty programs. As a rule, the benefit is gained by reliable salary clients, which include individuals of different sex and age who receive payments from the employer to a plastic card opened in a banking institution. Usually, to apply for a loan on a preferential basis, it is not enough just to order Issue of bank cards - the procedure for issuing bank cards into circulation, which includes all related operations for their servicing. "> debit card for payments, since participation in a salary project is required. This is a special corporate service in which the employer usually organizes the payroll process without the active participation of the employee. In other words, cards are issued on the initiative of legal entities. Benefits, in turn, are provided on the basis of the concluded salary project.
How to officially become a bank's payroll client?
The procedure for participating in a 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 services of banks bring benefits for 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 deal with the issuance of bank cards for subsequent payment of wages.
Loyalty program in the course of lending to a payroll client usually includes the following benefits:
- Increase in the term of the transaction by about 20-30% of the standard parameters of the loan.
- Reducing the rate on existing consumer and targeted loans by 1.5-3%.
- Reducing the list of documents that must be provided for the approval of the application.
- Refusal of requirements related to confirmation of solvency by checking the 2NDFL certificate.
- Improving 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, for an amount significantly higher than a million.
- Additional bonuses, special offers and various discounts for reliable customers.
In addition to salary clients, pensioners receive tangible benefits from cooperation with credit institutions. By issuing a card at a financial institution, the client provides guarantees of a refund. In addition, an extract from active bank accounts, which is drawn up within a minute, can be used by an employee of a financial institution to assess the solvency and credit rating of each borrower.
Loan offers for payroll clients
You can find out about the presence or absence of special offers for holders of active salary cards in the office and on the website of the credit institution chosen for further cooperation. For a free consultation, a future client has the right to contact the existing hotline of the bank. Useful information about many domestic lenders is provided on thematic sites and forums where borrowers can leave their feedback.
Choosing an organization for further cooperation, you should pay attention not only to all the available conditions of preferential lending. Issues related to the reliability and quality of service in a commercial bank deserve detailed consideration. In addition, some institutions put forward all sorts of additional conditions, for example, to gain access to special financing programs from a potential borrower, it 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 an applicant for a loan receives a salary or pension to 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. Under the general financing scheme, all minimum rates are 1% higher.
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 length of service for reliable clients has been reduced from 6 to 3 months.
- Refinancing conditions for existing loans have been improved (up to 5 open agreements).
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. Receiving a salary on the card, the borrower can set the amount of automatic payment on the current Sberbank loan. The money will be transferred on the specified date after the salary or other payments are credited to the current account linked to the loan.
Renaissance Credit
Special individual conditions for favorable lending for clients of Renaissance Credit Bank include a rate reduction to 11.3% with an increase in the loan amount to RUB 700 thousand. 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 retirees, there are also preferential terms of cooperation within the framework of the loyalty program, but the size of the loan for non-working borrowers of retirement age is only 200 thousand rubles.
Lending terms are absolutely independent of the previously selected program of borrowing funds. The bank issues loans for a period of two to five years. As a gratitude for the reliable long-term partnership, the organization offers its customers an affordable SMS-informing service and a free choice of a way to receive a certain amount of money (in cash or in the form of a transfer to cards with free service throughout the year). Improved lending conditions also include a reduction in the minimum age of a borrower to twenty years.
Home Credit
Reliable clients of Home Credit Bank can get cash on credit under an affordable preferential financing program. The minimum loan amount has been reduced from thirty to ten thousand, and the maximum amount, on the contrary, has been increased from 500 to 999 thousand. The rate for all groups of clients ranges from 12.5% to 24.9%.
Additional terms of the deal:
- The maximum loan term was increased by two years from 60 to 84 months.
- Registration is carried out according to the passport without additional certificates.
- The borrower can choose the optimal date for monthly payments.
- The bank has provided an extensive list of methods for repaying a loan.
It takes up to two hours to process a loan. During this time, the employees of the credit institution check the data and assess the level of the clients' solvency. The loan is issued in the office or through the online banking system without a commission for considering the application. Early repayment of the loan is allowed. No collateral required.
Raiffeisenbank
A personal loan from Raiffeisenbank is issued at 11.99% with the ability to reduce costs from the second year to 9.99%. Standard conditions are practically the same as the offer for cardholders, but salary clients always get a noticeable indulgence in terms of collecting and filing 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 amount exceeds 500 thousand.
Ural Bank for Reconstruction and Development
Participants of the salary project can get access from UBRD to a special lending program with a rate of 11.99%. The size of the loan reaches one million rubles, and the duration of the transaction can be 12, 36 or 60 months. Full confirmation of solvency will allow the transaction to be extended to 5 years. To participate in the selected credit program, you will have to prove the fact of regular transfers of funds to the current card account. Payments must come at least once every 30 days. Otherwise, the rate will be automatically increased to 34.9%. The optimal amount of income is calculated on an individual basis.
The borrower is required to work over three months, the absence of previously overdue debts and the provision of a certificate of income. Loans are not issued to customers who have assumed the functions of guarantors for existing loans. In turn, confirmation of solvency will increase the loan amount.
Rosselkhozbank
Rosselkhozbank offers affordable consumer loans without any collateral for proven payroll clients. The main advantage of cooperation is considered to be a low interest rate. Now the bank has a seasonal discount, which allows you to take a loan in the amount of 10 thousand to one million rubles at 10.5% for a period of 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 of up to 300,000 rubles for a period of 60 to 84 months will amount to 16%. This is 5-10% lower than the closest competitors of Rosselkhozbank, who sometimes raise rates up to 30%.
Lending conditions for the credit program "All workers":
- Salary clients 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 the accounts opened with the bank.
- Average rates for employees of budgetary organizations are 1-2% lower.
- The length of service required for borrowing must be at least 90 days.
- There is a possibility of confirming income on a bank statement from a salary card account.
Additionally, the organization develops excellent conditions for financing employees of budgetary organizations and retirees. However, only trusted clients who have proven their reliability by actively cooperating with a commercial bank for at least six months are allowed to participate in the loyalty program. In addition, the reliability of the borrower is confirmed by studying the state of the credit history.
To transfer funds, you will need a bank account opened in advance. The attraction of guarantors or the provision of collateral is not required, however, it is prohibited to arrange a joint loan. The client can choose the optimal scheme for paying off the debt, saving a little on recurring payments.
Alfa Bank
Alfa-Bank's salary clients can apply for an increase in the size of loans from three to four million rubles at 11.9% per annum with the standard duration of the transaction for 5 years. Additionally, interest rates are reduced, depending on the loan amount. If an ordinary borrower pays over 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
The improved terms and conditions of the First Post loan product at 12.9% are applied to customers who have subscribed to one of the preferential tariff plans (Salary, Pension or Salary pensioner). Lending terms correspond to the base rate. 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, the connection of this option will cost 1.9-6.9% of the loan amount, while salaries need only pay 1%.
Benefits of participating in a salary project
For reliable clients, lenders offer several schemes for borrowing money. However, it is possible to obtain both improved conditions for consumer lending in cash and take part in specialized banking programs for certain groups of clients. In any case, there is a noticeable decrease 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 on the borrower's financial flows and income.
- Simplification of loan procedures Credit scoring is a system for calculating a customer's solvency level based on statistical methods. "> Scoring and Underwriting - the study of the likelihood of repayment or non-repayment of a loan. This procedure is carried out by the bank, which makes a decision to issue a loan, and involves determining the solvency and creditworthiness of a potential borrower. "> Underwriting.
- Automation of payments for making regular payments.
- Improving the efficiency of consideration of incoming applications.
- Reduction of the package of documents required for a loan.
- Gaining access to a source for debt enforcement.
If the card shows regular transactions and cash inflows, the chances of approval of the borrower's application increase significantly. Some domestic banks refuse to study income statements if potential recipients of loans are holders of valid salary cards.
It is necessary to indicate the accompanying sources of income in the presence of a part-time 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 target some of their programs to payroll clients seek to use the entire arsenal available to them. Therefore, the use of the bank, whose salary card you use, can give several very pleasant 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 go up to 1.5% on promotional days or if you are really lucky.
- Increased credit limit. Consumer loans are small. Sometimes a much larger amount is needed. And a salary card can slightly raise the upper limit of the loan.
- No need to collect a lot of documents. If you already have a salary card at the bank, then you do not need to submit a pile of documents again. And since the salary is officially received by the bank, it is often not needed a certificate of income confirmation - the bank already sees how much and how often you receive.
- Increased speed of consideration of the application. Some banks prioritize payroll clients in order to respond more quickly to their inquiries. In addition, it is often possible to take out a loan in Internet banking or wait for a manager to come to your office with the documents.
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 according to 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. Only they are still less expensive than other offers on the market. Why do organizations agree to preferential terms for salary clients? It's simple. Most banking institutions strive to retain as many people as possible who will continue to use the services.
For this, special loyalty programs are being developed - the bank only slightly reduces its own profit, creating benefits for ordinary people. This is what the clients go for, for whom the banking "a little bit" can be very significant. But, of course, this way of solving financial problems has its pros and cons that you should definitely consider.
Positive sides
Of course, a loan from a salary bank is beneficial when you need to save on literally everything or take rather large sums for long periods. Because it allows you to achieve several goals at once. So, what are the advantages you can count on:
- 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 permanently, up to a decrease in the interest rate by several points.
- In some banks you can count for increased loyalty, and then loan applications will be processed much faster and better.
- If both the credit and salary programs are very bad, then it makes sense change the bank for service.
But is there a catch? Why are banks so loyal to the customers they already serve, is it only for a set of numbers? It's not just that the institution has already collaborated with these people. But about this - in the minuses.
Negative sides
Even a product such 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 salary client.
Remember that many financial institutions are eligible arbitrarily write off part of the salary as a debt. Yes, yes, the bank will independently repay the delay with your money without your knowledge. And what's more - you yourself will allow him to do it.
How it works? When issuing a loan to a salary client, the bank can indicate a specific condition: it has the right to write off money from the accounts of the salary card. But the condition is triggered 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 disadvantage will only be significant for those who periodically miss the due date. But from other negative points, the following can be distinguished:
- the payroll bank will not always have the most favorable interest rate, even in comparison with other institutions;
- you may not need an increase in the limit, because you need a small loan;
- you may have a not very profitable salary program, which 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 salaries 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 to further repay the loan.
The best offers for loans 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 available opportunities. Or simply change the salary 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 calculates the annual percentage individually for each client.
Sberbank
The best financial institution in the country with a huge customer network. Including among the "salary workers". Sberbank offers certain concessions, backing them up with good service and convenience of the bank itself. Also, Sberbank often hosts promotions that can significantly reduce the rate for consumers, both for mortgages and for ordinary loans. By the way, managers go to clients' workplaces and apply for a loan there.
The bank prefers to operate with almost all the benefits. He offers salary clients a loan for 5 years in the amount of up to 5 million rubles (versus 3 million for new clients). It is promised that the percentage will be kept at a minimum of 11.4%, while non-salary users can count on 12.4%. I am glad that you can apply for a loan through Sberbank Online, so you don't even have to call in to the office until you are offered money.
The mortgage is issued for a period of up to 30 years, the promised "salary" percentage is 6.7% versus 7% for other clients. A housing loan is issued without a commission. All other conditions are unchanged, and the maximum loan amount is calculated individually and, quite possibly, will be higher for regular customers.
Rosselkhozbank
This financial institution belongs to the state and is among the top thirty in the country. It tries to take care not only of salary clients, but also of public sector employees, 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” on consumer loans has a similar percentage, from 10.5%. But at the same time, the terms and amounts have been extended. That is, salary 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 for ordinary clients.
And now about the mortgage. Unfortunately, in the Rosselkhozbank, under the usual program, salary 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 offers from partner developers. There, the annual rate for salary clients can be much lower, up to 5%, while third parties are unlikely to receive less than 6.5%.
VTB
This bank does not have the lowest interest rates on the market, but it compensates for this with excellent service and ample opportunities for borrowers. VTB is ready to offer very pleasant conditions to the owners of salary cards.
For consumer loans, salary clients 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 for 7 years, while people "off 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 terms of benefits. "Salaries" 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 for a long time to extol its own program to support salary clients. He even has a separate page on his website to list all the possible benefits relying on this category of clients. However, there is enough pleasant information about loans. You just need to consider it in more detail.
Alfa-Bank is ready to offer an annual consumer loan rate of 10.99% to all customers. But salaries can ask for a loan of up to 4 million versus 3 million. The loan is issued for 5 years. Pleases 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 "salary workers" the annual rate is kept at 9.29% versus 9.59% for ordinary clients. But I am glad that the bank is ready to meet halfway and make a smaller down payment (15% versus 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 you need to look for favorable mortgage conditions elsewhere.
I am pleased with the favorable interest rate on consumer loans. Tinkoff promises a rate that is as much as 3% lower. As a result, "salary workers" can count on a minimum of 12% instead of 15% of non-wage 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 fill out all the necessary papers there. The application is considered, of course, faster.
As for mortgage loans, here Tinkoff Bank did not distinguish itself at all. In fact, he acts only as a free intermediary between the client and partner banks. The bank itself does not offer mortgages, so there are no preferential terms here at all.
Summary tables of lucrative offers from payroll banks
To summarize the reviews a little, let's compile two summary tables for these five banks. This will allow you to quickly find the most favorable conditions for yourself.
Consumer loans
The first table is for ordinary loans. Let's compare what conditions the banks offer for their regular customers.
Bank's name | Benefits for payroll clients | Conditions for payroll clients | Conditions for new clients |
---|---|---|---|
Sberbank |
Reduced rate Increased limit |
11,4%
5,000,000 rubles |
12,4%
3,000,000 rubles |
Five years ago, Federal Law No. 333-FZ was adopted, which was dubbed as "the abolition of wage slavery." Today I want to talk about some of its nuances and conduct an analysis of the most profitable debit salary cards in order to identify the most suitable bank for transferring salaries or other benefits.
Wage Slavery Abolition Act
The corresponding Federal Law was adopted on 04.11.2014. The employee's right to choose a bank for transferring wages is independently secured in it. Let me remind you that before people had to adjust to the company in which they worked. The employee himself could not choose a salary transfer bank. The firm entered into an agreement with a credit institution to provide services to all employees in it.
After the entry into force of the law on the abolition of wage slavery, the situation has changed dramatically. Now the choice of the bank for the transfer of salaries is made independently by each employee. He can express a desire to receive the money due to him in any bank convenient for him.
It is necessary to note a few more very important nuances:
- To transfer the salary to another bank, the employee must draw up an application for the transfer of salary. It is submitted to the accounting department of the company in advance. Most companies try to dissuade them from this venture, since the employing company receives bonuses from the bank with which it has an agreement. But these bonuses don't really affect employees. It is not always profitable for them to use the imposed bank.
- The commission for transferring 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 the accountant can deliberately misinform the employee that the salary will be transferred minus the commission. It is not true! Just a trick of accountants, who are set by the management to prevent the transfer of employees' salaries to other banks.
- The employee, when issuing a debit card, undertakes to pay the cost of the annual service, if any. It already falls on his shoulders. But as a rule, when a monthly salary is transferred to the card, it becomes free or there is a small annual service that pays off for a couple of purchases with the card (thanks to the increased percentages of cashback and percentage on the balance!)
8 most profitable banks for a payroll card
To help determine the best bank for transferring 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. When 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 withdrawing and depositing funds from plastic.
After reviewing the proposals, everyone will be able to understand for themselves 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. The 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 a convenient address 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. Transferring a salary to a Tinkoff card is 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% in all stores, 30% from bank partners and 5% in the categories of increased cashback. 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 over 3 thousand rubles at any ATM in the world. Forget looking for a specific ATM or queuing at those ATMs. With the Tinkoff salary 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 banking for free. For several years it has been recognized as the most convenient application and Internet bank!
- There is a special tariff for salary clients, which implies free card service. To do this, after issuing and receiving the card, simply write or call the bank and ask to transfer you to the salary rate 6.2. If you do not transfer to this tariff, then the conditions are as follows: free service of the card in the case of a loan or deposit in the amount of 50 thousand rubles or more, or if you store more than 30 thousand rubles on the card. In other cases - 99 rubles per month.
- The ability to make free transfers to other banks from the card account, as well as transfers from card to card. There is no need 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 for free and set limits on them! It is very convenient to issue a card for a wife, child or other close people. And all together make money on cashback from purchases.
I would like 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 at Tinkoff, our recommendation is to open it, of course! For more details read: “ Tinkoff Black debit card review«.
2. "Benefit" salary card in Home Credit on favorable terms
Home Credit Bank last year updated its debit card, which today is perfect for both keeping your own funds at a high interest rate and for receiving your salary on the card. And if you analyze the conditions and tariffs of this card, then we can definitely say that this is one of the most profitable cards for transferring salaries to a card without your company's salary project.
The "Benefit" debit card will be an excellent salary card due to the following conditions:
- Cashback for payments in categories "Clothes" - 10%, as well as for purchases and partners' cashback up to 10%. In other stores - 1%.
- Free service of the card with monthly salary crediting, or if you store more than 10 thousand rubles on the card, or make purchases from 5 thousand. In other cases - 99 rubles per month.
- Contactless payment by card. You can also add the card to Google Pay, Samsung Pay or Apple pay and pay from the card using your smartphone.
- Free cash withdrawal from any ATM in the world.
- Interest on the balance of own funds - 6 per annum for an amount of up to 300 thousand rubles.
- Profitable 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 the transfer of salary.
- 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 say right away that this is a banking brand belonging to the QIWI corporation. Rocketbank specializes in remote online services for modern and advanced Russian citizens. The bank has no offices, but it has a convenient and functional mobile application for all smartphones. This is enough to carry out all the necessary financial services. Moreover, the conditions of this card are very attractive.
Why is it worth paying attention to the Rocketbank card as a debit card for salary crediting?
- The debit card has no service charge, that is, it is serviced free of charge!
- All funds on the card are insured by the DIA. There is no point in being afraid and worried.
- Free cash withdrawal from a card at ANY ATM in the world up to 150 thousand rubles.
- Free transfers to an account or card to other banks.
- Cashback in certain stores up to 10%. You can choose stores from the list on your own every month.
- Earn by inviting friends to open a free card - 500 rubles for each brought friend!
- 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. You should definitely try it. I have been using this card myself for several years now.
4. Debit Alpha card for salary crediting
Alfa-Bank invites current and potential clients to consider one of the most profitable debit cards on the Russian market - Alfa-card. This card allows you to get the benefits of a debit card and use it as your own salary card, simply by crediting your salary to it. Plastic is issued by international payment systems VISA and MasterCard.
- Normal Alpha Card- absolutely free debit card. It allows you to receive wages for it and withdraw funds from ATMs of Alfa-Bank. Perfect for most people who need a salary card from a reliable bank.
- Alpha card 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 the 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 to pay salary, withdraw cash and pay for purchases in stores and on the Internet.
- Alpha Card Premium Is a card product for those who value premium service. For this, a package of banking services is opened and this card is issued. You get not only a card, but also a premium service. This option is perfect for people with above-average incomes, for top managers and directors in companies.
5. Salary debit card OpenCard with free service from the bank Opening
Otkritie Bank is one of the largest private banks after the merger of B&N Bank and Otkritie Bank. This banking giant offers a very interesting salary project for potential clients - the Opencard debit card with free service and the OpenBonus bonus program.
Why is it 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 B&N Bank and Otkritie.
- Bonus program OpenBonus with the accrual of bonuses for purchases up to 3%. 1 bonus = 1 ruble.
- Withdrawing a salary from a 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 Gold salary card VISA Gold, MasterCard World or the salary card MIR. If you open a premium card, then VISA Signature or Mastercard Black Edition is available for selection.
- The commission for opening a regular Opencard is 500 rubles, which are returned back after making purchases with a card of 10 thousand or more. That is, consider that there is no commission, since this amount is returned anyway. The premium card is opened without commission. But there is a service charge.
- Regular Opencard is serviced free of charge, and Premium - 2500 rubles per month. But there is an opportunity to use premium card for free if you keep more than 1 million rubles in your 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 over 50 thousand on the card, receive a salary of 200 thousand or keep on accounts from 1 million. As privileges - free travel insurance, free roaming abroad, concierge -service, airport transfer, etc.
- For most readers of our blog, the Opencard payroll card with free service is perfect. As we said, the opening commission is refundable.
6. Universal salary card free of charge from Sovcombank
Sovcombank, which has been very popular in the past few years, is also not lagging behind, and offers to transfer salaries to the universal Halva card. For those who are not familiar with the card, let's say that this is a universal installment credit debit card. 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 grace period for the card can be as much as 3 years. But the card is valid in any stores, the only thing that partners buy 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 their own expense. You don't 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 service.
- Withdrawing your own cash from the card up to 100 thousand rubles per month at any ATM in the world without commission.
- Cashback by card from partners up to 12% (when paying with a smartphone), or up to 6 percent if paying by card.
- Free delivery by courier or at a bank branch.
- If the card has a credit limit, even a small one, you can also use it to correct your credit history or start one if you have not had one before. This will have a positive effect on the chances of obtaining loans, mortgages both in Sovcombank and in other banks.
We recommend this card, even if you have a different one as your salary. A free card with the ability to buy any product from the bank's 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 bank of the French banking group Societe Generale, is included in the TOP-20 largest banks in Russia. It is a universal Russian bank serving various clients (individuals, corporate entities).
Rosbank offers to open a VISA salary card "# Possible ALL" with a cashback of up to 10% or bonuses to pay for travel expenses!
The main advantages of the Rosbank "#MozhOVSE" salary card:
- You can choose the categories where you would like to receive an increased cashback.
- Cashback or travel bonuses up to 2-10%. 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.
- Percentage on the balance of funds on the card - from 4 to 6% per annum.
- The 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 better: classic (199 rubles / month), gold (499 rubles / month) and premium (3000 rubles / month). you don't have to pay for packages if you comply with the free terms. For example, store in 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 on the card per month, often travel and keep permanently on a deposit of 100 thousand rubles or more. For such customers, all the benefits of the card will be without certain costs.
8. Card for salary with cashback from Promsvyazbank
Still not decided where it is better to open a salary card with cashback? Then pay attention to the interesting conditions for 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 bank owned by the state, so talk about reliability is meaningless here. From this point of view, the bank is the most reliable. 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 get an increased cashback up to 5%. For other purchases - standard 1%. Cashback is credited 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.
- Service of the card is free, subject to spending more than 20 thousand on the card or keeping the same amount on the account. Otherwise - 149 rubles / month.
- Free top-up 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 MasterCard World or MIR Advanced.
- Preferential terms for loans and refinancing for those who receive a stable income on the Promsvyazbank card. The bank especially "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 only you who decide which salary card to choose to transfer your income in 2020. It is impossible to find a universal offer, since everyone has their own needs and interests. Pay attention to the interest rate on the balance and cashback categories. Where do you spend money more often, with this 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 fact is that these state banks are monopolists in this segment and they do not come up with anything profitable to attract new clients. The 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%. Isn't that funny? banks that are represented in our rating provide 10 times more cashback than Sberbank, and interest on the balance is comparable to a deposit in Sberbank, and you can withdraw from any ATM in the world, and not stand in queues at one Sberbank ATM. I hope you understand that we recommend changing the banks imposed by the employing company 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 likely that the accounting department of your company will persuade you to stay in the same bank under various pretexts. Do not believe and stand your ground. But even if it did not work out 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 valid Sberbank card in the Tinkoff Internet Bank, and when your salary arrives at the Sberbank, you simply “pull” the money from it to the Tinkoff card, where you can receive interest, cashback on purchases and withdraw from any ATM for every day. Then even your organization will not know what kind of card you are using as a salary card.
Friends, if you have experience of changing the payroll bank, write your reviews under this post. What card do you use as a payroll card, why and how did you manage to change the payroll bank.
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