What loans are available to salary card holders at Promsvyazbank. Salary project for business and Promsvyazbank salary cards Product feature Promsvyazbank salary card

In this article we will look at how to connect a salary project at Promsvyazbank. Let's find out what tariffs the bank offers to companies, on what terms the contract is concluded and how to manage a salary project through Internet banking. We have prepared for you the procedure for submitting an online application and collected feedback.

Advantages of the salary project at Promsvyazbank for companies

Promsvyazbank provides a full package of services that will satisfy the requirements of any client.

The PSB salary project has the following advantages:

The ability to control the system without leaving the office using online banking for legal entities. persons - PSB On-Line.
Issuance of payment cards at any branch throughout the country.
Development of an individual layout of payment cards on the Mycard service.
Drawing up registers for the issuance of bank products and crediting from the 1C service.
Issuance of payment cards one day after sending the register.
An extensive network of ATMs in every region.
Independent selection of cards for staff.
Possibility of installing an ATM on the premises of the client company.
Providing employees with the opportunity to carry out transactions in any bank branch.

When connecting a salary project to Promsvyazbank, the advantages for employees are obvious:

Special bonus program PSBonus. When paying with a bank payment card, the client has the opportunity to collect bonuses and use them to pay commissions, purchases, or exchange them for money.

Privilege. Opportunity to receive a discount of up to 40% when paying for purchases from partners of a financial institution.

Convenient system of offices and ATMs. Any questions regarding service can be resolved at the nearest bank branch. The ATM network covers all regions of the Russian Federation.

Internet bank PSB-Retail. The ability to control accounts, transfers and payments for free using this service. A special application for mobile devices has been developed.

Deposits and savings. The bank is reliable, so it is convenient to store and accumulate funds here. There are a variety of deposit and savings account options available. They can be opened in rubles or in foreign currency.

Loans on preferential terms. The ability to take out loans with a reduced commission, providing a minimum of documents. Payment card holders are only required to have a passport.

Unique credit “Supercard”. A product with no-cost annual maintenance, an increased credit limit and the ability to use your money interest-free for 145 days. To obtain it, one passport is enough.

Transfers without commission up to RUB 10,000.

Smart Money feature. Control of your own funds, optimization of daily expenses and the ability to plan a budget with new functionality.

Tariffs within the Promsvyazbank salary project depend on the type of payment cards that clients use. Cards come in Classic, Gold and Platinum. The following tariffs are established for their services:

As part of urgent payments on the main and additional cards:

Additional services as part of the service:

Cash withdrawal and money transfers:

Conversion, urgent card issue, termination of operations:

One of the main advantages of Promsvyazbank’s salary project is the ability to manage it remotely. To implement this opportunity, the bank offers to use two PSB On-line service modules. With their help, you can service accounts directly from the office. They are installed on a work computer, and further entry into the Promsvyazbank salary project is carried out using a login and password.

In addition, the bank’s specialists have developed a set of modules for standard 1C configurations - “External Exchange”. They allow you to import and export transactions on personal accounts of company employees.

With their help you can:

Generate payment card order data for employees directly from 1C in the required format for the bank.

Upload files indicating personnel accounts into all 1C configurations when compiling registers and payroll.

Generate data for calculating salaries and social benefits to employees also from the working version of 1C in the format established by the bank.

A set of modules for 1C configurations is available for download on the bank’s official website. After downloading, the file must be unzipped and installation performed using the instructions.

The terms of the Promsvyazbank salary project are specified in the agreement concluded between the bank and the client. It stipulates the terms of payment of salary cards, service tariffs and other conditions. On the part of the organization, the agreement is signed by the director or founder.

In the process of concluding an agreement, the bank offers for issuance all options for payment cards for payroll. But the higher the status of the plastic, the more expensive the maintenance is (the cost is paid by the company). To further motivate employees, the company’s management, together with the bank, can offer staff credit cards on preferential terms using a simplified paperwork procedure.

An application for participation in the salary project can be submitted on the official website of the financial institution. Select the “Salary Project” section and click on the “Submit Application” button. In the window that opens, fill out all the proposed fields, and then submit it for consideration. A bank specialist will contact you shortly to clarify all the details of future cooperation.

“Our company is a “payroll” client of Promsvyazbank. We are a small organization, so we did not install an ATM on site. There are quite enough of them in our city, so employees have no problems getting cash. Terms of cooperation are acceptable. The cost of services is also normal. After submitting the application, all our staff received payment cards within a week. Over time, many of them received credit cards on preferential terms. Overall, everyone is happy. There are no complaints."

“We have been cooperating with Promsvyazbank as part of a salary project for only 1 month. But so far we are completely satisfied with the level of service and costs. The bank works quickly, and after the conclusion of the contract, all employees were immediately provided with payment cards. Each of them has the opportunity to use credit cards without commission for more than 100 days. Very comfortably. I recommend everyone to cooperate with this financial structure.”

“For the last three years, my company has been using Promsvyazbank’s salary project to pay salaries to employees. There are good tariffs here, and generally good terms of cooperation. The management is happy, as are the employees. We recommend that you complete your salary project here.”

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.

In addition to traditional debit cards for payments, Promsvyazbank cards with special features are in high demand, including cards for online payments, premium cards, cards for payroll clients, gift cards and cards with individual designs. About them - in more detail.

MasterCard Virtual - card for payments on the Internet

For clients who often make online purchases and surf the Internet, the bank offers a MasterCard Virtual card. The card contains all the necessary details for paying for goods and services on the Internet: number, expiration date and CVC2.

Additional benefits for cardholders are the opportunity to participate in the PSBonus bonus program and free use of Internet banking.

Account currency – rubles, dollars or euros. The card does not have a magnetic stripe, and a PIN code is not issued for it, so you cannot withdraw cash from it or use it to pay in a retail and service network.

Tariffs for non-cash transactions in Internet banking are identical to tariffs for regular debit payment cards.

To make a payment, the card must be topped up: this can be done through the PSB-Retail Internet bank or at the PSB office. After payment, if you do not use the card often, you can temporarily block it by calling the call center or through online banking. The card can then be unlocked in the same way.

The bank offers clients a flexible tariff system:

Card maintenance fee in the amount of 120 rubles/4 cu. is charged annually. For clients who own the Supercard, PSB-Gold (including Light), PSB-Platinum, Transaero Gold and Platinum, PSB-Priority and All Inclusive service packages, MasterCard Virtual service is free.
The SMS notification service is provided free of charge for 3 months, then an annual fee of 599 rubles/22 cu is charged; Mobile banking and internet banking are provided free of charge.

Status card PSB-Platinum

For clients who want to emphasize their status, the bank offers an exclusive “PSB-Platinum” card - MasterCard Black Edition with PayPass or Visa Platinum technology, equipped with a chip.

Benefits for PSB-Platinum card holders:

PSB-Platinum is optimal for making payments abroad and paying for goods and services on the Internet.
Payment for goods and services “in one touch” - using PayPass and payWave technologies.
Possibility to issue one additional Gold category card and 4 classic cards with chips for free.
Clients are provided with a credit limit of up to 1 million rubles with a grace period of up to 55 days at a rate of 19.9% per annum.
Participation in the PSBonus loyalty programs and the PSB Banking Privilege Program, as well as in the world-class privilege programs from the international payment systems “MasterCard Favorites” and “World of Visa Privileges”.
24/7 dedicated customer support line.
Concierge services.
Participation in the Traveler Protection and Card Protection insurance programs.
Emergency services: emergency card replacement if it is lost within 24 hours.

Tariff schedule for PSB-Platinum:

Card maintenance fee - 6490 RUR/200 USD - charged annually.
Cash withdrawal from ATMs of PSB and its partner banks –– 2.9%, minimum 299 rubles.
Daily limit – 500 thousand rubles, monthly – 2 million rubles. If the daily limit is exceeded (up to 1 million rubles), an additional commission is charged - 2% of the excess amount.
SMS information services; Mobile banking and internet banking are provided free of charge.

Conditions for receiving the card:

The client's age ranges from 21 to 63 years.
Permanent registration or actual place of residence in the regions where the bank operates.
Employment at the time of application for the card and total work experience exceeding 1 year. Depending on the method of income confirmation (certificate in form 2-NDFL or in the bank form), the maximum amount of the credit limit is calculated.

Salary cards of Promsvyazbank

Employees of enterprises participating in the bank’s salary projects have the opportunity to receive cards of any class, from regular Visa Electron/Maestro to classic MasterCard Standard/Visa Classic and premium cards – MasterCard Gold/Visa Gold and Visa Platinum. At the same time, tariffs for cardholders may differ depending on the terms of the agreement concluded between the employing company and the bank. In some cases, high-end cards are issued without charging a service fee.

"Congratulations card"

Each of us has faced the problem of choosing a gift, and rarely has it occurred to anyone to look for it in a bank. However, the PSB payment card can be an excellent gift for a person close to you, a business partner or colleague. “Congratulations card” is a universal and unique gift. This is a prepaid card with a nominal value of 1, 2, 3, 5, 10 or 15 thousand rubles, which is accepted in any country in the world and allows its owner to participate in the PSB Banking Privilege Program. The “Gift Card” will allow the owner:

Pay by bank transfer for purchases at trade and service establishments.
Shop online.

To receive a card, you do not need a passport: you just need to pay its face value and the issuance fee of 150 rubles. You can choose the card design at your discretion. Along with the card, you will receive a beautiful gift envelope containing a postcard and user manual.

Promsvyazbank card store

For clients who like to stand out and value their individuality, Promsvyazbank has developed a unique “Card Store”. Here you can choose from several hundred options for your card design. If none of the ready-made options suits you, just upload your own image - a photo of a pet, a favorite landscape, a portrait of a loved one - nothing limits your imagination. A card with an individual design will allow you to participate in the bank’s loyalty programs, receive cash-back in the amount of 5% of the purchase amount and discounts at PSB partner stores. The cost of an individual card design is 333 rubles.

A wide range of cards with special features and the bank’s democratic tariff policy allow it to confidently compete with the leaders of the payment card market in Russia. When choosing a card, focus on your goals and financial capabilities. Sometimes, to solve problems, it is enough to get an instant virtual card; sometimes, on the contrary, it is more profitable to spend 6 thousand rubles, but get a premium card, which provides the owner with additional financial protection.

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 opened 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 use of the holder. From this moment on, the “plastic” stops receiving wages. Before closing the card, you need to withdraw all the money stored on it.

“Salary project” is an offer from Promsvyazbank for making payments to employees of organizations. This is an offer for businesses that allows you to create card issue registers and transfer funds directly into 1C.

Salary project of Promsvyazbank

Maestro/Visa Electron, MasterCard and Visa Gold, MasterCard Standard or Visa Classic cards are used as salary cards. The cost of the project is determined individually - based on the organization’s payroll, the number of employees and the request for the installation of an ATM or the lack thereof. The salary project is two systems at the same time: a card module for clients who have opened a bank account, and a “Salary project” module intended for those clients who do not have such a current account.

The bank gives the head of the organization the right to manage the company’s salary project in the PSB On-Line remote service system. Cards can be issued in any region where Promsvyazbank is located. The unique design of the cards, the issuance of ready-made cards within 5 days from the date of sending to the registry bank, the presence of an external exchange with 1C makes it easier to work with salaries and their crediting to card accounts. Employees receive an additional “Super Card” to their main salary, special offers on loans available only to “Salary Project” card holders, mortgages, and discounts become available. Internet banking PSB-Retail and mobile banking PSB-Mobile are available. Commission-free withdrawals are available not only at Promsvyazbank ATMs, but also at the ATMs of its partners.