Promsvyazbank salary card. Review: profitable salary card from Promsvyazbank Promsvyazbank salary card how much does it cost to service
Promsvyazbank has developed a salary project, within the framework of which all employees of companies that have entered into an agreement with the bank receive salary cards. Salaries are credited to the cards, in addition, they have many privileges and benefits. They can be platinum, gold and standard. The type of card depends on the client category, each with its own terms of service. We invite you to familiarize yourself with the conditions of Promsvyazbank salary cards.
Promsvyazbank has developed a salary project, within the framework of which all employees of companies that have entered into an agreement with the bank receive salary cards. Salaries are credited to the cards, in addition, they have many privileges and advantages. They can be platinum, gold and standard. The type of card depends on the client category, each with its own terms of service. We invite you to familiarize yourself with the conditions of Promsvyazbank salary cards.
Advantages of Promsvyazbank salary cards
Salary cards are bank payment instruments through which employees of partner companies are paid salaries.
For participants in salary projects, cards of three categories are provided. Each category has its own optimal tariffs, a huge number of possibilities, and a convenient way to manage accounts. In addition, card users can always count on quality service. To become the owner of such a card, you need to be an employee of a bank or an employee of a company that has drawn up a salary agreement with this bank. In the first case, you will only need the employee’s passport and an application for card issue. In the second case, the employer company itself will sign an agreement with the bank and issue cards to all its employees on general terms. They will subsequently receive a salary based on them. The card will be issued 21 days after the corresponding application is written. If there are costs associated with issuing the punishment, then the employer will bear them in full.
Standard cards
- Clients have the opportunity to participate in promotions and a bonus system;
- Possibility of connecting to free Internet banking;
- Possibility of obtaining a loan on preferential terms;
- Discounts in more than a thousand stores, including online stores;
- Transfer of money in an amount not exceeding 10 thousand rubles is made without commission;
- If a credit card is connected to a salary card, then its service becomes free for the client.
Gold and platinum cards
- All the above benefits;
- Participation in the bonus program “World of Visa Privileges”;
- Urgent card replacement, as well as instant cash withdrawal abroad in case of loss or theft of the card.
Salary project for companies
The advantages of cards for employees of partner companies were described above. Now it is worth noting the advantages of these financial instruments for the organizations themselves. Individual entrepreneurs, as well as company managers, can apply for them. Especially for them, the bank has developed special conditions and its own loyalty program. They can get a loan on preferential terms or apply for an overdraft. Overdraft is very popular among individual entrepreneurs, as it allows them to obtain short-term loans within the overdraft limit. There are other advantages:
- The card can be managed via online banking, designed specifically for legal entities;
- The card can be obtained by organizations in all regions where Promsvyazbank has an office;
- Any individual design that the customer comes up with can be applied to the card;
- You can choose any type and category of card;
- A large number of ATMs and bank offices throughout the country.
Peculiarities
Experts place Promsvyazbank among the three most reliable and successful banks in our country. His story begins in 1995 and during this time he was able to gain popularity and recognition from many clients. This financial institution has been servicing payroll clients since 1997. Over many years of operation, the bank has created many profitable products and services, including salary cards. Today, Promsvyazbank salary cards are considered one of the most convenient, profitable and multifunctional. The following services are available to clients who have registered them:
- Internet banking;
- Information via SMS;
- Free assistance from specialists;
- Cash withdrawal from a card anywhere in the country without commission;
- Cashless payments in all stores and online sites.
The bank has about 1,300 terminals and ATMs throughout the country, and also has about 100 offices in many cities.
How to activate and close the card
The moment you are given a Promsvyazbank salary card, you become its full holder.
However, at this point it is not yet active and cannot be used. To activate the card, you need to open the envelope with the PIN code. Next, insert the card into the Promsvyazbank ATM and enter your PIN code. If you wish, you can immediately change your password at the ATM to a new combination of numbers that will be more convenient for you to remember. From this moment on, the card will be active. You can activate your card at any convenient time. This procedure will not take you much time. If you still have any questions regarding your salary card, you can ask them to our specialists by calling the hotline 8-800-333-03-03.
If for some reason you need to close your Promsvyazbank salary card, then you need to come to the exact branch where it was opened for you. Next, you should draw up a corresponding application and submit it to the bank manager. Usually, after all the paperwork has been settled, the employee cuts the old card with scissors right in front of the client. This is done so that the client is calm that no one else will use the card except him. Closing a salary card is usually required when a company employee leaves. The employer crosses it out of the salary project, and the card goes into the holder’s use. From this moment on, the “plastic” stops receiving wages. Before closing the card, you need to withdraw all the money stored on it.
Consumer lending is always in high demand among potential borrowers, for the reason that funds can be obtained for any purpose without confirmation of their use. Clients who take part in the lender’s salary project receive especially favorable conditions and low rates. Indeed, in this case, you don’t even have to confirm your income; the employer transfers your monthly earnings directly to your bank account.
Promsvyazbank is no exception; it also has a specialized consumer lending product aimed exclusively at salary recipient clients. Let's consider the question of how to get a consumer loan from Promsvyazbank for salary card holders, its conditions and advantages.
General terms
As mentioned earlier, this offer is only available to clients who receive wages into a bank account. The following conditions apply to them:
- the amount of consumer non-targeted loan is up to 1.5 million rubles, minimum 50 thousand rubles;
- the base interest rate is 13.9%, provided that the borrower issues a personal risk insurance agreement; without insurance, the rate increases to 17.9%;
- no collateral or guarantee is required;
- period from 1 year to 7 years;
- Credit holiday service available.
Please note that the loan amount and rate are determined by the bank for each borrower depending on his solvency.
Terms of consumer lending for payroll clients
Requirement for the borrower
A loan from Promsvyazbank for salary card holders is available subject to certain conditions. First of all, of course, you must receive your salary on your bank card, for at least 4 months at the time of the loan, and your total work experience must be at least 1 year. The second important condition is that you must work in an organization, but not conduct business. The borrower's age is from 23 years and not more than 65 years at the time of loan repayment. Among other conditions, it is necessary to have permanent registration in the territory where the bank branch is located and to provide work landline and personal mobile phones as contact information.
If your income does not allow you to obtain the required amount to meet your consumer needs, then you can attract a co-borrower, and he, in turn, must also meet the bank’s requirements. By the way, the co-borrower may not be a participant in the bank’s salary project, but is required to confirm income and employment with a salary certificate.
Please note that the borrower will only need two documents - a passport of a citizen of the Russian Federation and SNILS.
How to apply for a loan, return procedure
The borrower needs to submit an application, that is, fill out a form and submit it to a bank employee for consideration. You can personally come to a bank branch, or fill out a form on the official website of Promsvyazbank. By the way, It is more profitable for you to submit an application remotely, because in this case the interest rate will be 1% lower.
The procedure for repaying borrowed funds is in equal monthly annuity payments. You can enter into an additional agreement so that the bank debits funds from the client’s salary account in favor of repaying the loan, which will completely avoid late payments and disputes with the creditor.
By the way, for late repayment of the debt, the bank will charge a penalty in the amount of 0.06% of the monthly payment amount.
It’s worth saying a little about the “Credit Holiday” service; it allows you to defer payment for 2 months, and during this period you do not need to pay either interest or principal. The service is paid; its cost is 2000 rubles or 15% of the monthly payment.. To use it, you need to pay the loan for at least six months, and at that time there should not be a delay in payment of more than 7 days. To connect, contact the bank branch directly or call by hotline number 8 800 333 03 03.
Benefits of lending
A consumer loan for salary clients has many advantages. The first of them is a simplified registration procedure. If you leave an application on the website, then all you need to do is come to a bank branch to sign an agreement and receive borrowed funds. Other benefits include low rates and the ability to get deferred payments if necessary.
Promsvyazbank has several more advantages for its clients; you can go to the official website at any time and use the calculator to pre-calculate the amount of the monthly payment. In addition, you can use the services of a field manager who, right at your workplace, will help you fill out the application form and accept your application.
Profitable and practical card
Grade: 5
I receive my salary on the card, so far everything is fine. I downloaded a special application from the website and simply took it to the accounting department. The card gives you the right to use the privileges of the payment system to which the card belongs (your choice of Visa and MasterCard) and to participate in promotions of the bank’s partners. Many stores give good discounts (up to 40%) when paying by card. Bonuses are awarded for most expense transactions. I usually use them to pay bank commissions. They can be converted into rubles, gifted to another bank client, or paid for for goods and services.
Also, the salary card allowed me to get a “Supercard” credit card with free annual maintenance and a large limit. The grace period for it is huge - 145 days. Using the Smart Money service, you can conveniently track, analyze and plan your expenses. All information is provided in graphical form. The PSB-Mobile and PSB-Riteil applications are made intelligently, everything is intuitive, and a minimum of steps is required to complete transactions.
There are no problems with withdrawing money or topping up your card; there are a lot of offices and ATMs. The bank allows you to make transfers from and to a card without commission, the amount depends on the connected tariff plan.
Grade: 5
I transferred my salary to PSB on my own; before opening the card itself, I had to sign up for a package of services. There are 3 options to choose from. It makes sense to take the most complete “Your PSB Premium”; it provides several significant advantages at once.
I issued 3 additional cards for free to the main card, all of them support contactless payment technology. An account can be opened in any currency at your discretion. The package added 1% to the savings account. According to the agreement, she must add 0.3% to the deposit, but only when opening through the Internet bank.
The most important advantage is the ability to withdraw cash without commission abroad. When traveling abroad, insurance is automatically activated with a coverage limit of $50,000, but it applies only to the holder of the main card. The package allows you to profitably exchange currency, the difference with the foreign exchange market is no more than 40 kopecks. Interbank transfers without commission are announced, but we can say that there are none, since the maximum possible amount is only 20,000 rubles per month. For everything above that, a standard commission is taken according to the tariff. The package will be free if the monthly turnover on the card is at least 115,000, which is quite realistic.
Grade: 4
Our employer transfers wages to a card from Promsvyazbank. All expenses for the card, that is, its maintenance, are borne by the employer. I activated it using the PIN code that was in the envelope in the office. I have a personal account on the Internet, where everything is displayed: income - expenses.
The advantage of the card is that you can transfer it to another bank’s card without interest. Also pay for purchases in stores. I also pay for online purchases with it, it is quite protected. I also like that there are small bonuses for them.
Grade: 5
It’s already been six months since I received my salary from Promsvyazbank. I don’t really delve into how exactly bonus points are awarded, but they can be used to pay for a phone. True, I have been accumulating them for a long time - about 4000 points per month, which is about 300 rubles.
There was no charge for servicing the card in the first year, and the cost of servicing was not specified anywhere in the contract, so I think that it is still completely free.
There is also a loyalty program “World of PSB Discounts”. It provides discounts from the bank's partners - some reach 30-40%. But more often it’s 5-15%, but it’s still nice. The bank's website has a complete list of categories with discounts. There are many categories, there is plenty to choose from.
I make all payments for housing and communal services, mobile communications, and the Internet without commission, all the money comes quickly, but for some reason it takes 2 days for the Internet.
Grade: 5
Promsvyazbank can offer several types of salary cards - Visa (Classic, Gold, Electron) and Mastercard (Gold, Cirrus, Standart). Typically, all costs for issuing and paying for the card are borne by the employer; the employee does not even need to visit the bank. Issuing cards for the entire enterprise takes 21 days; if an employee contacts the bank in person, then production takes place in 1-2 days; an additional card is also issued personally by the employee and costs from 120 rubles/year.
The bank offers another service for salary cards - an authorized overdraft, the amount and interest rate are set by Promvyazbank independently, the maximum they can offer is 1 million rubles, interest rates from 20 to 29%, for a period of 1-7 years, no monthly payment less than 5% of the debt amount.
Also, holders of salary cards can apply for a “Supercard” credit card under special conditions with a grace period of 45 days; a credit card is issued only with one document.
Cash can be withdrawn from a salary card for free, but only at bank ATMs; in others the commission is 1% of the withdrawal amount. Internet banking is free for clients; it has a convenient “Smart Money” function, using which the cardholder can optimize their expenses and savings.
Grade: 5
Salary cards of Promsvyazbank are beneficial not only with free service and credits on the balance, but also with a special RS Bonus program. You can connect it by filling out an application at the bank office or in the Internet bank; this will not incur any additional costs. The bank's bonus program is quite confusing; it is a whole system of accruals and debits.
Points are awarded for every 15 or 50 rubles spent in the amount of 1; 1.3 and 1.4 points, the number of points depends on the card status - Gold/Platinum/Standart. For some transactions, increased points are awarded - issuing a card (100 points), issuing a loan or deposit (50), etc., paying for goods from partners, transactions in the Internet bank, even cashback is awarded for paying for banking transactions, all preferential transactions are listed in Internet banking.
You can spend points in packages of 6 thousand points - that's 300 rubles, 10 thousand - 750 rubles, 14 thousand - 1200 rubles. packages are provided for paying for bank services; at least 50 thousand points can be converted into rubles, at the rate of one point = 10 kopecks. Bonuses are credited within 2 days after purchase. Points are valid for 1 year, after which they expire.
Grade: 5
I have a salary card from Promsvyazbank, which allows me to accumulate and spend my own money while receiving additional benefits and makes it possible to receive up to 40% cashback for paying for goods and services by non-cash payment. Of course, such a large cashback is not available for all products. On the bank’s website, you can find advantageous offers from partners and, if necessary, contact them for purchases. There are quite a lot of offers. Cashback levels vary.
The terms of the card require the PSBonus program to work, which makes it possible to receive additional bonuses and discounts. Conveniently, you can make non-cash transfers using a card to other banks completely free of charge if the amount does not exceed 10 thousand rubles. If the amount is greater, the commission is removed.
The annual interest rate on the card is 6.5%. Accrued on the balance of funds. At the same time, money from the card can be used freely. There are no restrictions on the amount.
Using the card you can pay for the Internet, utility bills, mobile and other services of bank partners. At the same time, the bank does not charge a commission for the operation. If desired, the bank offers salary card holders favorable conditions for obtaining loans.
These are the main conditions of the card that I consider beneficial.
Find out more about the general conditions for issuing cards and paying wages to your company's employees.
Type of payment cards issued: Maestro/Visa Electron, MasterCard Standard/Visa Classic, MasterCard Gold/Visa Gold.
The amount of compensation for expenses associated with servicing payment cards and crediting wages to employee cards is determined on a contractual basis based on the size of the company’s payroll, the number of employees and the need to install an ATM.
Promsvyazbank does not charge a commission for cash withdrawals using its own cards at its ATMs, cash withdrawal points, as well as at ATMs of partner banks.
Why is it worth cooperating with Promsvyazbank
The bank provides the opportunity to manage a salary project without leaving the office, for which two modules function in the PSB On-Line remote service system:
1. “Cards” module - for clients who have current accounts with Promsvyazbank.
2. “Salary project” module - for clients who do not have a current account with Promsvyazbank.
- We have developed a special package of services for managers and employees of organizations served within the framework of salary projects. The bank provides most products and services on preferential terms.
- Promsvyazbank has a modern service that allows payment card owners to receive information about their account status at any time, as well as fully manage all their accounts opened with Promsvyazbank through the PSB-Retail system.
- We will inform your employees about all transactions on the payment card account via SMS messages.
- At Promsvyazbank ATMs, your employees can pay for the services of many companies without commission.
- At the service of your subordinates are Promsvyazbank ATMs with the cash-in function, which allow you to replenish your payment card account with cash online and exchange cash currency for rubles.
- At any Promsvyazbank office, employees of your company will always be able to take advantage of modern banking services and high-quality service. Promsvyazbank offices, branches, ATMs, cash desks and exchange offices are always close to you.
To activate the Promsvyazbank card, insert it into the ATM, enter the PIN code and perform any operation: viewing the account balance, withdrawing cash, paying for services.
Balance check
You can check the current balance on your card in one of the following ways.
- At a bank branch. Go to a bank branch, provide your passport and credit card, and an employee will give you detailed information about the status of your account.
- Via the hotline. Call Promsvyazbank's 24-hour hotline at 8495 787 3333. After providing the operator with your card number, passport details and code word, you will be informed of your balance.
- Through an ATM of Promsvyazbank. Enter your PIN code, select the “Account Balance” service, and the ATM will display the amount of your account. The cost of the operation is 30 rubles.
- Via the website. Go to the bank’s official website in the “Contact us” section and use the free online call option. To do this, you need to have headphones and a microphone, but otherwise the procedure is no different from a regular phone call to the hotline.
- Through Internet banking. To activate this service, contact a bank branch, and you will be provided with a login and password to enter your PSB-Retail personal account. To check your balance, log on to the Promsvyazbank website, find the “Login to Internet Banking” section, enter your mobile phone number in the appropriate field and register it in the system. After this, use the issued login and password to log into PSB-Retail, select the “Cards” option, enter the account number and click “Get information about the balance and transactions.”
- Via the PSB-Mobile application for your mobile phone. Download the application, activate it, and information about your account status will always be at your fingertips.
Top up your balance
You can top up your card balance in several ways.
- At the Promsvyazbank branch. The money will be credited to your account instantly; no commission is charged for the transaction.
- Through the Promsvyazbank terminal. Money is credited to your account within 1 hour, no commission is charged.
- Through branches of other banks. Money arrives on your balance within 1 banking day. Before performing a transaction, check with the operator for information about the commission charged.
How to block a card
If your card is lost or stolen, you must immediately block it.
- Call the customer service center at 8 495 787 33 33 or 8 800 333 0303, provide the operator with the necessary information and order the card to be blocked.
- If you are connected to the PSB-Retail online banking service, you can block the card directly from your personal account in this system.
- Personally visit the Promsvyazbank office and resolve the issue with an employee. Have your passport with you.
How to increase your credit limit
The credit limit on Promsvyazbank cards is renewable. This means that if the borrower repays the debt on time, the card balance is gradually replenished. If you need to increase your credit limit, take your passport to the bank to write an application.
How to change your PIN code
You can change the PIN code on your card using a Promsvyazbank ATM. To do this, insert the card into the ATM, go to the “Card Management” section and select the “Change PIN code” option. Enter a new combination of numbers and confirm it. If the operation is successful, you will be issued a receipt notifying you that your PIN has changed.
How to close a card
To close a credit account, you need to make sure that your debt is fully repaid. If everything is in order, then contact the bank branch and write an application to close the card account. You need to have your passport and credit card with you. When the application is reviewed, the bank will notify you.