Banks offer organizations and their employees favorable conditions for receiving wages for cards. Such clients provide a decent circulation of funds on accounts. They represent the smallest risks for the credit institution: unauthorized debt can be paid off by regular accruals from the employer.
Salary projects are in most banks. We will look at VTB, because it was he who first began to introduce a unique product of the "multicart" product.
The prefix "Multi" means multiplicity. The bank has expanded the list of services, but reduced the range of plastic. The client independently chooses the most attractive card from numerous capabilities.
Salary offer from VTB
Employees with a stable earnings are becoming participants in wage projects.
Such clients enjoy plastic for free, service conditions have advantages compared to the proposals of other banks.
For non-cash transfer of the accounting salaries, details are needed, a corresponding statement. The initiator may be an employer or employee. When making a card on the registry through the enterprise, the service is free. If you personally submit an application, with insufficient circulation, the service will be charged.
Get a debit card VTB can any adult citizen. Such plastic can always become salary.
What cards were previously
In early 2018, VTB24 joined VTB. On its website, the Bank announced ambitious goals to increase the client base, as well as the introduction of high-tech products.
Plastic cards "Classic", "Gold", "Platinum", "Privilege" fell into the category of archival offers. They can be used until the end of the validity period on the previous conditions. They are no longer released again, they offer a multicarter as an alternative.
Classical
Basic package of services for participants in salary projects with income from 15,000 rubles per month. Classic holders were asked to open an additional card with ruble, euro or dollar bill, as well as 3 accounts in different currencies. Cacheback 1%.
Golden
Plastic for customers with a monthly income more than 40,000 rubles.
Free in the package:
- SMS informing;
- 2 additional cards;
- insurance of funds in accounts;
- cashback up to 3%.
Platinum
Product for those whose salary from 80,000 rubles. Service includes:
- SMS alerts;
- 3 cards additionally;
- expanded insurance;
- cashback up to 5%.
"Privilege"
Package of services for employees with income more than 150 thousand rubles per month. With a privileged card, the client received the opportunity:
- open up to 4 additional cards;
- insure the special program;
- return up to 5% of the purchase amount;
- use concierge services.
Multicart
Black plastic replaced a variety of classics to privileges. Visa, Mastercard is popular in commercial organizations. Statements, military personnel, the Ministry of Internal Affairs receive multicarters peace. Service conditions depend on the account turnover. Clients choose at their discretion, such as:
- restaurants;
- auto;
- travels;
- saving;
- collection;
- borrower;
- cashback.
When paying purchases of the selected category, a return of an increased interest is made.
Conditions
Release and service are free as part of a salary project. Tariffing services:
| Operation | Cost | Additional conditions |
|---|---|---|
| Online transfers: | ||
| Between the physical leaders inside VTB, including the map number, phone, as well as in foreign currency | Is free | |
| Phys. persons to another credit institution | 0.4%, at least 20 rubles, maximum 1000 rubles. | The amount of the Commission is returned in the form of cachek when paying from banknola for the amount of 5 thousand rubles. per month |
| In favor of JUR. Persons, IP | 0,4-1,2% | |
| By plastic number in another bank | 1.25%, at least 50 rubles., Limit 20,000 rubles. per month | |
| Currency transfers beyond the bank | 0.6%, at least 15 USD, a maximum of 150 cu. | |
| Fine for overdue overdraft payment | 700 rub. | |
Benefits
Among the main advantages:
- wide network of ATMs;
- availability of banking services from any computer that has access to the Internet;
- large selection of loyalty programs.
For employees and managers
Employees are beneficial for a salary card VTB, as:
- additional plastic is drawn up without surcharge;
- banking services are provided on preferential terms (deposits, loans);
- cachek up to 10%;
- it is possible to remove cash in any ATM without commission.
The leaders are attractive a salary project for the following reasons:
- there is no commission for accrual if the staff of more than 10 people, and the average salary exceeds 10,000 rubles;
- with a medium salary up to 10 thousand, the number of more than 10 people the commission for accrual is 1% of the Fot;
- for small businesses, where less than 10 employees are offered an individual project, the conditions of which many firms consider attractive;
- money enrollment occurs within 15 minutes;
- the program is integrated with 1C;
- personally, the head receives a multicast "privilege", which provides up to 16% cachek, the risk insurance of the whole family, Prioritypass, concierge service and other premium banking services.
Compared with a standard debit card, including other banks, the multicard provides access to additional rewards with an increase in the account turnover without having to replace plastic.
The client is easy to control the movement of funds, cachek: the billing period always coincides with the calendar month. This in the first month of use, the bonusing is calculated at the maximum rate, regardless of the turnover.
Income of 6% for the residue
The "percentage of the residue" function is connected along with one of the loyalty programs, except for "savings". The size of the accrual depends on the monthly purchase amount:
Interest is credited in the month following the reporting. The daily residue is taken into account. Let us give a simplified payment example:
5.09 Paid purchases for the amount of 25,000.
15.09 - the second part of the salary 40,000.
20.09 - payment 53000.
Calculate income to the residue in October:
If in our example from September 5 there were no movements in the account, then the calculation would look like this:
Option "Borrower"
The offer is attractive for customers issued any loan in VTB. The amount of payments on the multicard affects the amount of interest on the loan. When using a credit, the benefit doubles:
If there are several loans, the rate is recalculated by which the debt is higher.
Cash withdrawal
The following commissions are provided for the tariffs:
| Operation | Cost | Additional conditions |
|---|---|---|
| In VTB ATMs | Without commission | |
| In the terminals of other banks | Formally, the Commission can be kept and returned by Cashbank | |
| Through the cashier up to 100 thousand rubles. | 1000 rub. | Exceptions when the Commission is not charged: Lack of a good ATM in the department; Issuing up to 1000 rubles. when closing the card; The inability to re-remove the stolen or spoiled card. |
| At the box office more than 100 thousand rubles or issuance in foreign currency | Is free | |
| Through the cashier of a third-party organization | 1% minimum 300 rubles. | |
| Daily limit through an ATM and Cassu | 350 thousand rubles. or equivalent in foreign currency | The Bank reserves the right to limit the issuance to individual clients up to 10 thousand rubles. per day. |
| Monthly limit | 2 million rubles. or equivalent amount in another currency | |
| Obtaining Overdrafts | 250 rubles. |
Cashback
The holder connects one of the seven options at its discretion. When paying purchases of the selected multiferous category, bonuses are accrued. They are paid next month.
The size affects the total turnover of plastic:
| Option | Form of encouragement | Promotion | ||
|---|---|---|---|---|
| 5-15 thousand rubles. | 15-75 thousand rubles. | More than 75 thousand rubles. | ||
| Collection | Bonuses for every 100 rubles. | 1 | 2 | 4 |
| Travels | Miles for every 100 rubles. | 1 | 2 | 4 |
| Restaurants | Cashback money | 2% | 5% | 10% |
| Auto | 2% | 5% | 10% | |
| CashBack | 1% | 1,5% | 2% | |
| Saving | Increased rates on the deposit | +0,5% | +1% | +1,5% |
| Borrower | Reduced% on the loan | -0,25% | -0,5% | -1,5% |
What does it apply to
Depending on the selected option, the cachek is charged:
- for all purchases - collection, travel, Cashback;
- only when paying in cafes, restaurants, theaters, cinema - option restaurants;
- exceptional for checks at refueling and parking lots.
Cacheback size always depends on the total amount of payment by clarity for the month.
How to accumulate and spend
Bonuses are wency at:
- payment by multiferous;
- the design of VTB products (for example, the prolongation of the deposit from 100 thousand rubles. 150 bonuses);
- when purchases from VTB partners, if you have moved to the online store on the link from the bank site.
Cashback, obtained in rubles, is spent when paying to the multiferous. Miles, bonuses are accepted by partners through online stores. You can go to shopping from bonus.vtb.ru sites, travel.vtb.ru.
How to connect
From the proposed options, you can choose only one. You can connect it:
- in the Personal Internet Banking - click on the multicard, select the option of interest;
- by phone 88001002424 - follow the instructions of the operator;
- in a mobile application through chat - declare your desire and follow the instructions.
Once a month can be changed option.
Overdraft
According to the salary multicarter, overdraft is 10,000 rubles. Its connection occurs at will. You can report on your intention when concluding an agreement on the issue and maintenance of the card. According to a personal application, you can start or stop using the service later.
The loan rate is 12% per annum. Unlike the usual credit card during overdraft by a wage card VTB Bank, a grace period is not provided, the percentage is charged from the first day of use.
VTB declares credit period of 360 months. The repayment schedule automatically calculates the mandatory payment of 5% of the debt plus interest for the use of money.
How to get a map
The multicarte is issued on the initiative of the employer, or the client itself refers to the bank.
Participants of salary projects
VTB and the organization conclude a salary service agreement. Workers offer get cards. Compliant sign application. After some time, the Bank's employees deliver plastic to employees to the enterprise. The procedure for design and issuing is repeated as needed.
Alone
You can get a multicarter without the participation of the employer. Apply in person to the VTB office or through the site. Plastic will be delivered to the selected separation for 2 weeks. Take it along with a statement about the transfer of salary. Take the application to the accounting department.
Are there any differences in getting a salary card and a regular debit?
The difference in the design is the presence of applications for translating the salary to the VTB card. The rest of the procedure is similar. The cost of maintaining multicartes can differ. In the absence of movement on the usual debit plastic, the holder pays the bank of 249 rubles per month.
Conditions
To obtain enough execution of two conditions:
- age from 18 years;
- the presence of a document certifying personality.
The citizenship of a foreign state is not an obstacle to issuance. However, you can apply for only personally, the list of necessary documents is determined individually.
How much is the service costs
The card holder pays nothing if it is obtained through accounting. For the service of independently decorated plastic, 249 rubles for each month, in which the amount of non-cash payments less than 5,000 rubles is charged. The same commission is paid after exiting the salary project, for example, when dismissal.
Ways to apply
Contact your passport to VTB employee. He will make a statement with you. Check the correctness of the fill, sign. Expect SMS on the preparedness of the plastic to issue.
Citizens of the Russian Federation may apply through the Bank's website:
- open the product description page;
- follow the link to order;
- fill in your information about yourself (Full name, date of birth, telephone, email);
- check out the data processing conditions, confirm the consent;
- indicate information for plastic design (name, surname, payment system, currency);
- come up, write and remember the code word;
- go to the second stage of filling;
- specify registration and passport data;
- click the Send Application button.
How much time is manufactured
The announced period is up to 10 working days. In some cases, more time is required. Causes may be in errors when filling out applications, delivery problems. Making the plastic through the employer, consider the time required for collective collection and data processing of accounting.
How to find out what a card is ready?
VTB notifies customers about the availability of plastic via SMS. Information on the status of release and delivery is available to current customers in the Personal Online Cabinet. Those who wish can ask questions about customer support or in the VTB branch.
Through the Internet
If you have a login and password from the personal Cabinet VTB-online, you can learn about the status of processing an application for release from the main menu. In the absence of a personal account, wait for the SMS with the invitation to get plastic.
By phone
Customer support is organized by reference service 88001002424. Be prepared to inform the Code Word Consultant, as well as additional information about yourself and the ordered map.
other methods
Bank employees will report on the production stage, card delivery. When contacting it is necessary to present a passport.
Reissue map
Despite the union and rebranding, any wage card VTB24 is serviced on the conditions agreed upon in the contract. It is valid until the last day of the month indicated on the front side. There will be no reissue. If you wish to use the VTB card, you must apply for a multicarter. The Bank will notify this opportunity about SMS.
Replacing the old multicard on a new one is free.
How to activate?
With a scheduled reissue, the previous PIN is preserved, no special action to activate VTB wage card is required.
Having received plastic for the first time or reassially through blocking, call the customer support number 88001002424. Following the instructions of the autoinformer, go to the receipt section of the PIN code. You will receive an SMS with verification information, enter it from the phone keyboard. The system will inform PIN. The card is activated at the first operation with its input.
Analysis of feedback
Holders of salary multicarts write extremely few reviews on the Internet. It can be assumed that plastic suits workers as a free means of payment.
The network is filled with negative impressions of debit plastic decorated on a personal initiative. We summarize the most common theses:
- real use of the card is significantly different from the information in advertising;
- a large number of pitfalls;
- constant errors in the design of documents, the accrual of bonuses is not in favor of customers;
- changing the maintenance conditions without informing via SMS, including the revision of interest on bonus programs;
- the complex structure of the contract, general formulations, numerous references to the regulations that the client must find, monitor changes.
Answers on questions
Consider the problematic situations faced by participants of WBB salary projects.
What if the salary does not come?
Before starting wanted in accounting, bank:
- make sure in good job of the card (validity, no damage);
- visit Personal Cabinet VTB-Online, may have an important notice;
- if SMS does not come, and another way to check the receipt is temporarily unavailable, overload the phone, sometimes messages hang;
- if time allows, wait a few hours to exclude insignificant technical problems.
What days should come?
The payments are processed during the bank's working hours. Days of work coincide with the production calendar operating in the Russian Federation.
Where to contact, if not coming?
Notify the accountant that the salary did not come to the card. In most cases, this is enough to find out the reason. If an error is made, the accountant will fix it. Perhaps you will be explained why there is no enrollment (for example, financial difficulties, program failure, the payment is packed while inoperative time, deprivation of award and other).
Sometimes accounting insists that from the enterprise, all obligations are fulfilled. You will have to contact the bank convenient for you - the phone, the Internet, personally.
After dismissal from the place of work, you need to take a card?
When dismissing the employee is excluded from the salary project. He independently decides to refuse to use a map or save it as a personal debit. Find out the service conditions, taking into account changes in the movement of money. With insufficient turnover, the Bank charges 249 rubles per month. Annual service will cost up to 2988 rubles.
Conclusion
The salary multicard is beneficial for many of its deciders. Without a focused study and use of all the possibilities of the product, it differs little from the usual debit. From time to time, the holder gets a pleasant bonus in the form of Kesbek. With modest income, the functionality is similar to the classic plastic. With increasing turnover of privileges increase automatically.
Little holders are examined in detail by the service contract. Under the observance of the row of strict conditions of the multicard, it allows you to extract more benefits (interest on deposits, loans and other promotions) compared with other plastic.
