Salary project for business and salary cards of Promsvyazbank. Salary card of Promsvyazbank - conditions for individuals and companies Salary project of Promsvyazbank conditions

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. The cards are paid wages, in addition, they have many privileges and advantages. They can be platinum, gold and standard. The type of card depends on the category of the client, each has its own terms of service. We invite you to familiarize yourself with the terms 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. The cards are paid wages, in addition, they have many privileges and advantages. They can be platinum, gold and standard. The type of card depends on the category of the client, each has its own terms of service. We invite you to familiarize yourself with the terms 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 rates, a huge number of opportunities, convenient way account management. 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, only the employee's passport and an application for card issuance are required. In the second case, the employer company itself will sign an agreement with the bank and general conditions will issue cards to all its employees. They will subsequently receive a salary on them. The card will be issued 21 days after writing the corresponding application. If the costs of issuing a punishment are listed, then the employer will cover them in full.

Standard Cards

• Clients have the opportunity to participate in promotions and bonus system;
• Possibility of connecting free internet banking;
• The 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 the salary card, then its service becomes free for the client.

Gold and Platinum Cards

• All of the above benefits;
• Participation in the bonus program "The World of Privileges Visa";
• Urgent card replacement, and instant issue cash 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. They can be issued by individual entrepreneurs, as well as company leaders. The bank has developed especially for them special conditions and your loyalty program. They can get a loan on concessional terms or get an overdraft. Overdraft is very popular among individual entrepreneurs, as it allows them to receive short-term loans within the overdraft limit. There are other benefits too:

• The card can be managed via the Internet bank, designed specifically for legal entities;
• The card can be obtained by organizations in all regions where there is an office of Promsvyazbank;
• Any individual design that the customer comes up with can be applied to the card;
• You can choose any type and category of the card;
• A large number of ATMs and bank offices throughout the country.

Features of the

Experts put 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 of many clients. This financial institution has been serving salary clients since 1997. Over the years, 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 for customers who have issued them:

• Internet banking;
• Informing via SMS;
• Free help specialists;
• Cash withdrawal from a card anywhere in the country without commission;
• Cashless payments in all shops and Internet sites.

The bank has about 1300 terminals and ATMs throughout the country, as well as about 100 offices in many cities.

How to activate and close the card

The moment you are handed a Promsvyazbank salary card, you become its full-fledged 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, which will be more convenient for you to remember. From this moment on, the card will be active. You can activate the card at any convenient time. This procedure will not take much of your time. If you still have any questions regarding the salary card, you can ask the specialists by phone hotline 8-800-333-03-03.

If for some reason you need to close the Promsvyazbank salary card, then you need to come to the very branch in which it was opened for you. Next, you should draw up an appropriate application and hand it over to the bank manager. Usually, after settling all the paperwork, 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 deletes it from the salary project, and the card goes into the use of the holder. From that moment on, wages cease to come to the "plastic". Before closing the card, you need to withdraw all the money stored on it.

Almost every owner of a company that employs a large number of employees seeks to optimize settlements with them. Salary projects from banks are designed for this. They allow you to save accounting time and simplify the issuance of salaries. Promsvyazbank has also developed such a service for its clients. We will understand its features in this article.

Salary project

Within its framework, PSB forms a special register of plastic cards. They receive all payments to employees, starting with salaries and ending with bonuses. Funds are credited directly to 1C.

Benefits for the company

Company executives will certainly appreciate the ability to manage a salary project remotely, that is, without visiting the bank's office. For this, PSB has developed a convenient and functional Internet bank. PSB On-Line through which you can make payments online. For salary clients, it has two modules "Cards" and "Salary Project". The first is for those who have a current account with the PSB, and the second for those who do not.

The work with the salary project is facilitated by a personal manager. Through it you can order a release new card and resolve other issues. New plastic is issued within 5 days, which is very prompt.

Employee benefits

The use of a salary project from Promsvyazbank is also beneficial for employees. Among the main advantages are the following:

• The employees of the company, as well as its managers, are served in the bank on preferential terms. It is even easier for them to get a loan, since PSB has data on their income.
• The modern SMS notification system allows you to notify cardholders on time about the accrual of payments.
• You can find out the necessary information about the state of the account and manage it through the Internet bank.

Conditions

For legal entities, the cost of this service from the PSB is determined individually and depends on the number of employees, the size of the wage fund, the need to install an ATM in the office. This is a pretty lucrative offer for small and medium-sized businesses who have a small staff. For large clients, in turn, a loyal pricing policy has been developed.

How to apply for a connection?

We will accept applications for the service at all branches of Promsvyazbank. It can also be done online.

The bank manager will call you back within 15 minutes after sending the application. He will clarify the specified data and make an appointment at the office at any convenient time.

Salary cards

Promsvyazbank offers several types of salary cards. The head of the company can easily find a suitable option for him.

Types of cards

PSB works with two international payment systems, so it offers to use plastic with a link to them. You can issue the following types of cards:

• Maestro / Visa Electron;
• MasterCard Standard / Visa Classic;
• MasterCard Gold / Visa Gold.

Capabilities

Salary cards are a profitable product. They allow you to:

• pay for most services without commission;
• make replenishment using the cash-in function;
• cash out without commission at PSB ATMs and partner banks.

All Inclusive Salary Card

Each employee receives a personalized "All Inclusive" plastic. It has many advantages, including cashback and interest on the account balance. It is issued through the employer.

Description

It is contactless a plastic card, which belongs to the premium type. One of its advantages is the ability to cash out funds at any ATM without interest, but no more than 150 thousand rubles.

Cashback

This is a special bonus program in which the cardholder receives a certain amount of funds back when using it. When paying for goods with an All Inclusive card from PSB for an amount of up to 3 thousand rubles, 2% will be returned to the account. If the amount exceeds 3 thousand rubles per month, then the cashback is 1%. At the same time, purchases from supermarkets are not taken into account.

Cashback is credited even when using the card abroad.

Interest on card balance

Terms of Service

The salary project from PSB competes with the proposals of other banks. It has many advantages both for the management and for the employees of the company - remote control, timely notification of payments, premium segment cards with bonuses.

Find out more about the general conditions of card issuance and payments wages employees of your company.

Type of issued payment cards: Maestro / Visa Electron, MasterCard Standard / Visa Classic, MasterCard Gold / Visa Gold.

The amount of compensation for expenses associated with servicing payment cards and crediting salaries to employee cards is determined on a contractual basis based on the size of the company's wage fund, the number of employees and the need to install an ATM.

Promsvyazbank does not charge a commission for issuing cash on own maps at their ATMs, cash points, as well as ATMs of partner banks.

Why is it worth cooperating with Promsvyazbank

The bank provides an opportunity to manage a salary project without leaving the office, for which there are two modules in the PSB On-Line remote service system:

1. Module "Cards" - for clients who have current accounts in Promsvyazbank.
2. Module "Salary project" - 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 of the products and services on preferential terms.
• Promsvyazbank has a modern service that allows holders of payment cards to receive information about the account status at any time, as well as to fully manage all their accounts opened in Promsvyazbank through the PSB-Retail system.
• About all transactions on the account payment card we will inform your employees via SMS.
• At ATMs of Promsvyazbank, your employees can pay for the services of many companies without commission.
• At the service of your subordinates are ATMs of Promsvyazbank with the cash-in function, which allow on-line replenishment of the payment card account in cash and exchange cash currency for rubles.
• In any office of Promsvyazbank, your company's employees will always be able to use modern banking services and quality service. Offices, branches, ATMs, operating cash desks and exchange offices Promsvyazbank is always close to you.

Profitable and practical card

Rating: 5

I get my salary on the card, while everything suits me. I downloaded a special application on the site and just took it to the accounting department. The card gives the right to use privileges payment system, to which the card belongs (at the choice of Visa and MasterCard) and participate in promotions of the bank's partners. Many shops, when paying by card, give good discounts(up to 40%). For the majority expense transactions bonuses are awarded. Usually they pay the bank commissions. They can be converted into rubles, donated to another bank client or payment for goods and services.
Also, the salary card allowed me to get a Supercard credit card with free annual service and a large limit. The grace period for it is huge - 145 days. With the help of the Smart Money service, it is convenient to track, analyze and plan your expenses. All information is provided graphically. PSB-Mobile and PSB-Riteil apps are smartly made, everything is intuitive, it takes a minimum of steps to complete operations.
There are no problems with withdrawing money and replenishing the card, there are a lot of offices and ATMs. The bank makes it possible to make transfers from and to the card without commission, the amount depends on the connected tariff plan.

Rating: 5

I transferred my salary to PSB myself, before opening the card itself, I had to issue a package of services. There are 3 options to choose from. It makes sense to take the fullest "Your PSB Premium", it provides several significant advantages at once.
I released 3 additional cards for the main card, all support the technology contactless payment... An account can be opened in any currency at your discretion. Package added 1% to savings account... According to the agreement, it 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 a commission abroad. When traveling abroad, insurance is automatically connected 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 is from foreign exchange market is no more than 40 kopecks. Interbank transfers are declared without commission, but we can say that they are not, since the maximum possible amount is only 20,000 rubles per month. For everything above, the standard commission is taken according to the tariff. The package will cost you free if the card turnover per month is at least 115,000, which is quite realistic.

Rating: 4

Our employer transfers the salary to the card from Promsvyazbank. All expenses on the card, that is, its maintenance, are taken by the employer. I activated it with the pin code in the envelope in the office. Personal Area I have it on the Internet, I started it, where everything is displayed: income - expense.
The advantages of the card are that it can be transferred without interest to a card of another bank. Also pay for purchases in stores. I also pay for online purchases, it is quite secure. I also like that there are small bonuses dripping for them.

Rating: 5

Six months have already passed since I received my salary at Promsvyazbank. I don't really understand how exactly they are charged bonus points, but it is quite possible to pay for the phone with them. True, they accumulate for me for a long time - about 4000 points come out a month, which is about 300 rubles.
There was no charge for servicing the card in the 1st year, and nowhere in the contract the cost of servicing is spelled out, so I think that it is still completely free.
There is also such a loyalty program "World of PSB discounts". It provides discounts from the bank's partners - some reach up to 30-40%. But more often it is 5-15%, but still nice. The bank's website has a complete list of categories with discounts. There are many categories to choose from.
All payments for housing and communal services, mobile communications, the Internet I make without commission, all the money comes quickly, only for the Internet for some reason it takes 2 days.

Rating: 5

Promsvyazbank can offer salary cards of several types - Visa (Classic, Gold, Electron) and Mastercard (Gold, Cirrus, Standart). Usually, all the costs of 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 the employee applies to the bank personally, then the 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 one more service to salary cards - the authorized overdraft, the amount and interest rate Promvyazbank sets independently, the maximum they can offer is 1 million rubles, interest rates from 20 to 29%, for a period of 1-7 years, monthly payment at least 5% of the amount owed.
Also, holders of salary cards can apply for special conditions credit card"Supercard" with grace period in 45 days, a credit card is issued only for one document.
Cash from a salary card can be withdrawn free of charge, but only at the bank's ATMs, in the rest the commission is 1% of the withdrawal amount. The Internet bank is free for clients, there is a convenient "Smart money" function, using which the cardholder can optimize his expenses and savings.

Rating: 5

Promsvyazbank salary cards are beneficial and not only free service and charges on the balance, but also special program RS Bonus. You can connect it by filling out an application at the bank's office or in the Internet bank, it will not bring any additional costs. bonus program the bank is quite confusing, it is a whole system of charges 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 status of the card - Gold / Platinum / Standart. For some operations, increased points are awarded - card issuance (100 points), credit or deposit (50), etc., payment for goods from partners, transactions in the Internet bank, even for payment banking operations cashback is credited, all preferential transactions are listed in the Internet Bank.
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 transferred to rubles, at the rate of one point = 10 kopecks. Bonuses are accrued within 2 days after purchase. Points are valid for 1 year, after which they expire.

Rating: 5

I have a salary card from Promsvyazbank, which allows me to accumulate and spend my own cash at the same time, receive 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 for all products. The bank's website can be found with advantageous offers from partners and, if necessary, contact them for purchases. There are quite a few offers. The cashback level is different.
The conditions of the card presuppose the PSBonus program, which makes it possible to receive additional bonuses and discounts. Convenient what you can do cashless transfers by card to other banks absolutely free of charge, if the amount does not exceed 10 thousand rubles. If the amount is greater, then the commission is charged.
Annual interest rate 6.5% on the card. Accrued on the balance of funds. At the same time, the money from the card can be freely used. There is no limit on the amount.
Using the card, you can pay for the Internet, utility bills, mobile and other services of the bank's partners. At the same time, the bank does not charge a commission for the operation. If desired, the bank offers salary card holders profitable terms obtaining loans.
These are the main conditions of the card, which I consider to be beneficial.

The state-controlled Promsvyazbank is going to bankrupt the partner of the former owners of the bank, Alexei and Dmitry Ananyev. The financial and credit institution is ready to go to court with a claim against A Project Development, which is building elite residential complexes in Moscow and St. Petersburg.

Promsvyazbank (PSB) notified all interested parties about its intention to start bankruptcy proceedings A Project Development through the Fedresurs register. "The developer has made a delay in payments," the press service of the bank told Kommersant. They clarified that the parties are in negotiations and are jointly looking for a solution to the situation that has arisen, but did not clarify the details, citing bank secrecy. Co-owner of A Project Development Arkady Akimov told Kommersant that the company has no unsettled relations with Promsvyazbank. “We are in constructive interaction with the bank,” he stressed. The interlocutor of Kommersant, close to A Project Development, said that the company is trying to refinance a loan from Promsvyazbank in Sberbank, but did not name the amount of the debt. Sberbank was unable to promptly respond to the request.

At the end of 2017, PSB, founded by brothers Dmitry and Alexei Ananiev, became state-owned. The Central Bank announced its reorganization with the help of the Consolidation Fund banking sector, as PSB shareholders were unable to fulfill the requirements for additional provisioning of 200 billion rubles. and propose a plan to rehabilitate the bank. Dmitry Ananyev is trying to challenge the resolution on the rehabilitation through the court. After that, the brothers divided the assets: Alexey Ananyev took control of Technoserv and the IT business, Dmitry Ananyev took over the PSN development group, banking business(in particular, "Vozrozhdenie") and media assets (printing house "Extra-M", where " Russian newspaper"," Vedomosti "," Culture "," Gudok "and a number of other publications, is now declared bankrupt). Bank Vozrozhdenie is now 85% owned by VTB; in June this year, the state bank acquired 40% of Technoserv.

A Project Development was founded in 2013 by brothers Arkady and Konstantin Akimov. In the company's portfolio elite houses Noble Row on Ostozhenka, Cheval Court on Konyushennaya Square in St. Petersburg and Lion Gate on Maly Sukharevsky Lane. In 2017, Delovoy Petersburg reported that A Project Development had acquired the project on Konyushennaya Square from the PSN group. And in the summer of this year, the company was mentioned as a bidder for the purchase of the PSN project in Moscow in Maly Levshinsky lane, the Vedomosti newspaper reported. Arkady Akimov claims that Promsvyazbank's claims have nothing to do with the project in Maly Levshinsky Lane. When asked whether his company closed the deal to buy this project, he refused. PSN did not answer the question about its sale either.

Announcement of intent to initiate bankruptcy proceedings usually initiates negotiations between the parties to a possible conflict. “The litigation activity of banks undergoing the reorganization procedure is often associated with the desire to put pressure on debtors,” the partner points out. law firm"Nafko-consultants" Pavel Ikkert. He adds that the interest of the lender in this case is supported by the collateral. Any non-compliance with the conditions can be a reason to start bankruptcy proceedings loan agreement... “But as a result of negotiations, the parties may come to an amicable agreement,” Mr. Ickert does not exclude.

Ekaterina Gerashchenko