Almost all modern enterprises pay wages to employees non-cash. It is considered convenient for everyone. The employer reduces the labor costs of cashiers and the costs of obtaining cash in the required amount. And employees save time visiting the cash register and receive banking products at favorable conditions. Sberbank is considered the most popular. Instructions for an accountant will allow you to properly conduct the activities of the enterprise. This is discussed in more detail in the article.

How does it work?

The system for providing salaries through Sberbank is simple. The employer transfers to the bank the total amount that is required to be paid. Then he transfers the register of employees to whom salaries must be credited, indicating the amounts and numbers of their accounts. This document is brought in person or sent using the Sberbank Business Online system.

This is the instruction for an accountant on the Sberbank salary project. The institution then distributes the money to the designated accounts and credits it to the required period. Everything necessary for the implementation of a software project by a bank employee at the accountant’s workplace after drawing up a service agreement.

Sberbank also offers large enterprises such a service as installing an ATM for employees. Bank cards are provided to employees of the company on its territory, but only after a month has passed after joining the project. Then workers can contact the branches themselves to receive a payment instrument.

Required data

Instructions for an accountant on the Sberbank salary project include information that should be on the form:

• Name;
• activity time;
• amount of workers;
• size of the wage fund;
• address and telephone numbers of the enterprise;
• The contact person.

After receiving the documentation, the organization will have a bank employee who will draw up documents and resolve issues that arise during service.

Register registration

Usually accountants work with this service. There are some rules for registering:

1. You need to download the “Register for opening accounts” to your computer from the Sberbank website.
2. You need to fill in the fields and then click “Export”.
3. An electronic digital signature is placed on the document. The register is sent to Sberbank.

Conditions

The following conditions apply to salary project clients:

1. Issue and maintenance are free.
2. Cash withdrawal if daily limit not exhausted, free.
3. The card has an overdraft line at 20% per annum.
4. The daily limit depends on the card type. For example, Classic has a limit of 50 thousand rubles.
5. Money withdrawn over the limit is subject to a fee.

Employee register

This document must contain the following information:

1. Company employee profile.
2. FULL NAME. workers in Latin.
3. Date of birth, city, country.
4. Address.
5. Passport information.
6. Secret code.
7. Employee telephone numbers.
8. Job title.
9. Email.
10. Types of banking product.
11. Information about the bank.

Once the data is entered, the register is exported. This form is required for everyone who wants to use the service.

Benefit for legal entities

Companies receive the following benefits from the project:

1. There is no need to pay to cash out the entire salary amount.
2. Valid favorable rates for maintenance, enrollment, and provision of other services.
3. A simple procedure for concluding a transaction.
4. Large businesses can install an ATM on site.

Benefits for employees

Employees from the program enjoy the following benefits:

1. There is a possibility of registration additional cards for relatives.
2. You can get loans, cards, mortgages, car loans on favorable terms.
3. Available Special offers, acting from partners.
4. Participation in the “Thank you from Sberbank” program for receiving bonuses.
5. You can pay abroad
6. If lost or stolen, please call hotline to block the account. The money will be safe.
7. Funds are available around the clock, as ATMs are located everywhere.
8. By accumulating money, clients receive interest.
9. With the Mobile Bank service, you are notified about your account via SMS.
10. With Sberbank Online you will be able to make transfers at any time, as well as deposit funds to pay for services and loans.

Participants

What can be a participant in the Sberbank salary project? Individual entrepreneurs, LLCs and other legal entities have the right to connect to it, the main thing is that monthly fund wages were 5 million rubles. If this indicator is less, then the project is unavailable.

To connect to the project, it is not necessary to have a connected account in Sberbank settlement and cash services. But clients associated with this organization receive a discount on the service of transferring salaries to a card. The project is available to enterprises and educational institutions- for the transfer of scholarships and benefits.

Service

Salary project Sberbank for legal entities operates on 2 types of tariffs:

1. “Premier” - with monthly wages starting from 5 million rubles.
2. “First” - with a fund of 50 million rubles.

Each tariff includes certain services. If the monthly fund increases, the company can apply for an additional package. For every 5 million rubles, 1 “Premier” package is connected, and for every 50 million rubles - “First”.

Services

For both tariffs, the bank performs:

• issuance of plastic cards and PIN envelopes for employees;
• reissue of cards with expiration date;
• checking the provided registers for the correctness of information;
• notifying the enterprise about errors;
• transfer of funds to accounts;
• notification of money transfer;
• decryption of transactions.

The price of participation in the project is determined by the region where the enterprise operates. The cost is affected by the number of employees, form of ownership and other nuances. It needs to be clarified at Sberbank, in the department for legal entities. If an organization provides cash settlement services through this bank, then you can obtain information from the manager.

Connection

The instructions for an accountant on the Sberbank salary project contain information on connecting to this service. You need to submit an application to the bank. This is done in 3 ways:

• contacting the office;
• contacting the manager;
• sending a request on the website.

If the latter option is selected, you need to find a tab on the Sberbank website that corresponds to the form of your enterprise. For example, there is a section “Small Business”. Then you need to click on “Salary project” and “Submit application”. Just before that you need to remember to set the region.

The application must indicate the location of the enterprise, the year it was founded, the number of employees, and the volume of the wage fund. You must also leave contact information. The application must include questions of interest.

After considering the request, an offer agreement is drawn up with the company, on the basis of which the work will continue. The organization will have a personal representative who will issue cards to employees. Installation with software and solutions to various difficulties is also provided.

When signing the contract, the client provides permission for the public conditions indicated on the website to apply. If changes appear in them, the additional agreement is not signed. All changes in the law apply to all clients who have signed the Constructor Agreement.

Sberbank of Russia is constantly improving its offers for clients and partner companies. This also applies to the salary project. The use of the program simplifies the payment of wages and reduces the company’s expenses.

Where to go?

The addresses of Sberbank branches are on the official website. There are operating hours and telephone numbers for contact. There are offices in every city. The addresses of Sberbank branches in Moscow are as follows:

1. Tsvetnoy Boulevard, 28.
2. Neglinnaya street, 10.
3. Arbat street, 30/3.
4. Boulevard Zubovsky, 13.
5. Volgogradsky prospect, 4A.
6. Bolshaya Andronevskaya street, 6.
7. Gilyarovskogo Street, 39.

Types of cards

There are many banking products of Sberbank. Among them plastic cards. Tariffs for legal entities are determined by the form of the payment instrument. The following maps are provided for the project:

1. Maestro/Visa Electron.
2. Pro100 "Standard".
3. Master Card Standard/ Visa Classic.
4. Master Card Gold/ Visa Gold.
5. Master Card Platinum/Visa Platinum.

Each type of card has its own characteristics. works with an application that allows you to use it instead transport card. "PRO100" debit accounts have an overdraft limit, so they can be used as credit accounts. Each card has its own service and transaction rates. Employees of salary cards do not have to pay for issuance and maintenance. These costs are borne by the company.

Thus, the salary project is considered one of the most popular in Russia. Many people have appreciated the benefits of this program and regularly use the service.

Sberbank’s salary project has become the most ambitious among its kind in the country. This is explained both by the extensive network of branches and by the fact that the bank acted as a pioneer, setting an example for other Russian financial institutions. The technology continues to improve, making it easier to conclude contracts with Sberbank clients.

For any legal entity, be it an enterprise, institution, organization, management financial statements is an important part of the activity. It is greatly simplified if the employee’s wages are issued through the bank. At the same time, the costs associated with the need to make payments are significantly reduced. With the transition to salary service, it comes down to three sequential processes:

• the required amount of the monthly salary fund is transferred to a bank account opened for the client;
• it is distributed according to the provided statement, entering the card accounts of employees;
• issuance is made through the use of salary cards (for the most part, this method is almost 100% used) or in cash.

Sberbank installs software for its client that allows them to implement a salary project. The use of various 1C configurations makes it easier for accountants to carry out calculations and fill out registers; uploading occurs quickly. To implement the payroll service, the bank issues and distributes the required number of payroll plastic cards to the client company’s personnel.

Various types of product can be used:

• private entrepreneurs;
• legal entities;
• individuals

Conditions and tariffs for individual entrepreneurs

Connecting the Sberbank salary project for individual entrepreneurs becomes a necessity. After all Russian ministry Finance has repeatedly issued unequivocal explanations regarding the impossibility of independent calculation and payment of wages by an individual entrepreneur to himself.

In the current situation, individual entrepreneurs were able to find some benefit for themselves. When creating a register for recording wages by individual entrepreneurs, the purposes of the transfer are indicated in the form of other payments. Sberbank, serving small businesses, allows individual entrepreneurs to transfer income using salary cards.

Such a little trick as making a transfer from an individual entrepreneur’s account to the card of the individual entrepreneur himself allows you to save a little on the commission amount. The implementation of Sberbank's salary project for individual entrepreneurs without employees allows us to reduce the size of the commission when transferring money to 0.3%.

Conditions for legal entities

Sberbank provides services to almost half a million legal entities within the framework of the RFP. To attract participants, employers are offered to take advantage of exclusive service packages:

This method of service is also beneficial for company employees. And not only because the bank has the largest network of self-service devices and branches in the country. The tariffs for the Sberbank salary project for legal entities and owners of plastic cards are also beneficial.

Eliminates the need to spend money on payments annual maintenance. This allows you to benefit from 450 rubles (for the owner of Visa Classic Aeroflot) to 3,000 rubles for holders of:

• Visa Gold;
• MasterCard Gold;
• WORLD "Golden".

Additional pleasant bonuses are added to this. Using the MIR “Golden” salary card, for example, will allow you to become the owner of 0.5% “Thank you” bonuses with every purchase.

Individual salary project of Sberbank

Any enterprise/institution/organization, concluding an agreement with one or another banking structure, pursues its own benefits. There may also be personal interest on the part of managers. However, their receipt of some preferences from the bank does not necessarily mean that participation in this salary project will be acceptable for the employees themselves.

For one reason or another, someone may enter into an individual agreement, and a new employee, for example, may already have a Sberbank salary card that suits him completely. One way or another, every worker has the right to independently decide through what financial structure receive what you earn. This may be due to the provision of a mortgage, receipt of dividends, loan servicing and other circumstances.

Maintenance cost

When concluding a contract, both basic and additional conditions, affecting the cost of servicing the Sberbank salary project. To do this, you should familiarize yourself with the current tariffs.

Remote service

An LLC that has not previously cooperated with the bank will have to pay for:

• opening a current account, which will cost 960 rubles, and maintenance (650 per month);
• use of an electronic key (for 1,700 - standard, for 2,150 - touch, for 3,990 - with a screen;
• installation software at the location of your own office and basic training for employees who will have to work with the system (no more than 9,000);
• sending SMS messages to salary card holders with notifications about replenishment of the current account and its balance (80 rubles monthly for each);
• electronic document exchange with third parties (monthly – 295);
• connection to a service that checks counterparties (monthly – 300).

Additional expenses

These include, for example:

1. Charge a fee when cash is withdrawn from the card in excess of the established daily limit.
2. Issuance of a plastic card belonging to the premium segment, for which increased tariffs are established.

Free services

By deciding to activate the Sberbank salary project, the client receives several benefits for which he does not have to pay anything at all. Eg:

• The bank will service the salary card free of charge;
• withdraw cash without commission, without exceeding the accepted limit of at least 50,000 rubles per day;
• replace the card free of charge;
• do not pay for the maintenance of premium service packages “Sberbank First” or “Sberbank Premier”, adhering to the terms of use.

Package of documents for the Sberbank salary project

Before visiting a branch or proceeding with remote registration, you should carefully read the terms and conditions under which the services are provided on the page https://www.sberbank.ru/common/img/uploaded/cards/zp/usl_zp_s_050318.pdf.

After this you can go to:

• filling out an application form;
• providing copies of statutory documentation (if the company has not previously cooperated with Sberbank);
• concluding an agreement for the provision of services;
• filling out a register containing information about employees to whom wages will be transferred (a sample is available on the official banking website).

Agreement for the Sberbank salary project

Having independently figured out the tariffs for the Sberbank salary project, an individual entrepreneur or the head of an enterprise/institution/organization can also call the hotline (or the personal manager assigned to such clients). The specialist will provide all the required information; from him you can get an intelligent answer to questions that arise during the explanations.

The formation of conditions for the provision of service occurs with an individual approach to each client, taking into account various circumstances and characteristics of the activity. To secure it, a special offer agreement is signed. Sberbank does not enter into agreements with structures that do not have a monthly wage fund of more than five million rubles.

Application for Sberbank salary project: sample and form

To submit an application to join the Sberbank ZP, you must fill out a special form. It is available on the official portal and looks like this:

It is also possible to fill out an online application. For residents and non-residents, it is necessary to indicate the basic details:

• legal addresses;
• contract number;
• the number of employees;
• volume of the monthly wage fund, etc.

Clients who already have a bank account indicate its number.

How to connect a salary project to Sberbank business online

It’s easier to connect to Sberbank’s salary project remotely:

To connect it, you will need to visit a bank office. For clients who will use their personal account, Sberbank has compiled instructions explaining how to carry out certain financial operations. Activate the PO by filling out a special application.

Cards for the Sberbank salary project

By joining the service, an organization can use any of the offered plastic cards. There is also a service that involves non-standard design of bank plastic, which demonstrates the involvement of its owner in a special business. Many client companies order the production of cards with a unique corporate design. Eg:

How to disable the Sberbank salary project

It happens that you have to refuse the Sberbank salary project. To close it, warn financial institution must be made in advance, in writing or online, no later than 15 working days before the scheduled date.

Summing up: the pros and cons of Sberbank’s salary project

The video introduces the advantages concisely and sensibly

The advantages of salary cards are known to tens of millions of working Russians. In relation to the shortcomings, everyone has the opportunity to choose which bank to receive their salary, taking into account their own motives.

2 comments on “Sberbank salary project – conditions and tariffs”

Hello colleagues!
Are you concerned about LLC “NIPI “NEFTEGAZ” INN 0277904503, we would like to open a salary project in your bank. Please write who you can contact for advice in Ufa. My phone number is 89173468844.

Sberbank is one of the largest banks in the country. In terms of the scope of issuing cards for salary transfers, it also holds the position of leader. 450 thousand companies They have already entrusted their finances to the bank, including resolving the issue of settlements with employees. One of the advantages of crediting money for salary payments through Sberbank is ease of formation registry and short transfer times finances for payment card.

Sberbank's salary project is a contract between two organizations. On the one side banking structure, on the other hand, an individual entrepreneur. The corporate client undertakes to promptly provide the bank with a register containing data on employees, accounts and amounts to be credited. In turn, the bank undertakes to promptly transfer funds to the bank payment cards of employees.

All actions are carried out remotely. Estimated banking transaction time: 90 minutes. But as a rule, enrollment occurs within 10 minutes.

First of all, to connect services, the corporate client must be registered in the Sberbank Business Online service. After signing the contract, it is activated in your personal account new section.

To test the service, two experimental transactions are performed.

Sberbank salary project - tariffs for legal entities

Cooperation between legal entities and individual entrepreneurs with Sberbank makes it possible to use such proposals:

1. Settlements with employees, cash and non-cash transactions;
2. Crediting amounts to a bank card;
3. Cashing out own money ;
4. Opportunity carry out transactions remotely via the Internet service.

The contract is being drawn up on a paid basis. The cost of servicing the project depends on the amount that will be transferred monthly through the online service.

If a corporate client uses additional services, then loyalty programs can be organized for him.

For corporate users, salary transfers are organized on such conditions:

Tariffs and terms of service may vary depending on turnover sums of money and connection of additional services.

If a company employee wishes to receive individual card, then the commissions for it will be explained personally by a bank employee.

Offers for individual entrepreneurs without employees

The law stipulates that an individual entrepreneur cannot pay his own wages. Often, the design of a salary transfer service is a transfer tool Money IP to an individual's card. This is more beneficial for the account holder since it is the same person.

A businessman’s income is transferred through an account opened for salary transfer. Z Sberbank arpay project for individual entrepreneurs without employees allows you to reduce the commission for transferring money up to 0.3%.

Bank operation carried out through Sberbank Online service— salary project for small businesses. To withdraw funds, the entrepreneur independently creates a register for crediting. The payment falls into the category " other payments».

Benefits for salary recipients

If an organization becomes a client of Sberbank for transferring money for wages, then its employees and accounting department become the owners of a number of advantages.

Sberbank salary project - instructions for an accountant:

First of all, accounting can use simplified procedure for issuing salaries. Accrued funds are transferred to a payment bank card. No need to lead a large sum from the bank to the organization, ensure their safety and organize issuance to employees.

Remains with the accountant payroll, working with taxes, preparing statements for the bank. According to the data payroll funds are transferred to employees’ payment cards.

For small businesses, Sberbank cards for payroll are a great opportunity to save money on cashier work.

In addition, you can organize salary transfers through Sberbank without opening a current account.

Positive points receiving salaries for company employees through bank cards:

1. opportunity get cash at any time after accrual at a convenient time and at any ATM;
2. sufficient quantity ATMs operating without commission;
3. possibility to withdraw any amount of money at any time;
4. opportunity transfer money without commissions;
5. Maybe make cashless payments, pay for purchases on the Internet, pay utility bills, pay taxes;
6. application " mobile bank » provides many opportunities for its users;
7. after six months of cooperation, the client can apply for an additional Sberbank credit card, as well as take advantage of offers of mortgage and consumer loans on preferential terms ;
8. can be done duplicate payment instrument for your family;
9. the card can be issued subject to ;
10. owners bank cards often become participants shares and use various bonuses.

Business accountants have another advantage. This is an opportunity to transfer funds independently through Personal Area. And also perform a number of other procedures online. To enter your personal account, there is a login and password, which the accountant receives when connecting to this service.

Sberbank card is profitable and convenient for both corporate clients, and for individual users.

Video: benefits of using a salary project from Sberbank

Sberbank's salary project is a range of services for business owners and individuals. It allows you to transfer funds to employees within 5 minutes, and start using them within 2 hours. Depending on the wishes of the employer and his employees, an agreement is concluded for individual conditions.

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Advantages of the Sberbank salary project

An indisputable advantage of Sberbank is its Internet services for legal and individuals, mobile applications and 78,000 ATMs and terminals. This makes it possible not only to receive funds throughout Russia, but also to make payments at any convenient time.

For business

Concluding a salary project agreement with Sberbank involves connecting the enterprise to a remote banking services « Sberbank Business Online", which already provides its benefits: for example, integration with 1C and round-the-clock support.

At the same time, business owners receive a number of benefits:

1. Reducing the burden on accounting. Now, to pay wages, it is enough to create the appropriate register and send it through Sberbank Business Online.
2. Safety and savings. There is no need to withdraw a large amount of money from a bank, transport it to the office, store it and issue it directly to each employee.
3. Transfer of wages to any region of Russia. An enterprise can pay its employees regardless of their place of work and residence. To do this, it is necessary to conclude a centralized salary project agreement.
4. Payment of wages quickly and on time. If the current account has the required balance, the bank will credit the funds to the employees’ cards within 10–90 minutes.
5. “Bank at work” service. A personal manager is assigned to the organization, who will provide consultation on banking products at the company’s office. In addition, the salary project agreement can stipulate the installation of an ATM on the territory of the enterprise.

For staff

Sberbank’s salary project for employees of a legal entity has its advantages:

• receiving your salary without queues at a convenient time;
• withdrawal of funds from the card at any Sberbank ATM throughout Russia without commission;
• making transfers from card to card is free;
• quick access to information and account management without visiting a bank branch using online services, smartphone applications and Mobile Banking services;
• function contactless payment Apple Pay, Samsung Pay, Android Pay;
• favorable conditions for loans and bank cards;
• the ability to increase the payment limit of the card by applying for an overdraft;
• bonuses when making purchases within the “Thank you from Sberbank” program;
• additional income without effort with the Piggy Bank service;
• discounts from bank partners;
• issuing a card for relatives or other trusted persons in addition to the salary card.

Mortgage rates Tariffs according to credit cards Consumer loan rates Tariffs for bank cards

The salary project allows you to get consumer loan without leaving home. There is no need to provide the bank with a certificate of income and other documents. All you have to do is submit an application on the website. Within 15 minutes after approval, the funds will be credited to the card.

How to become a participant in the salary project

To apply for a salary project at Sberbank, the employer needs to contact a bank representative by submitting an application on the website and waiting for a call, or contact a branch serving legal entities.

1. Prepare a package of documents.
2. Connect to the Sberbank Business Online system.
3. Familiarize yourself with the tariffs and conditions for the provision of services within the framework of the salary project.
4. Conclude an agreement by acceding to the above conditions by signing the appropriate application.

If an organization does not have a bank account, it is not necessary to open one. But signing an agreement for settlement and cash services will simplify the process of paying wages, since in this case the bank can independently form payment order for the amount of the register. To do this, you need to join the relevant “Terms of service within the framework of “salary” projects.”

After completing all instructions, the bank issues personalized salary cards of payment Visa systems, MasterCard and MIR.

Package of documents for the Sberbank salary project

The package of documents required for the procedure for registering a Sberbank salary project includes:

• conditions for the provision of services within the framework of “salary” projects and an application for joining them;
• conditions for the provision of services within the framework of “salary” projects without the possibility of the Bank generating a settlement document on behalf and on behalf of the Client and an application for joining them (one of the specified types of conditions is selected at the discretion of the enterprise);
• power of attorney for opening an account, issuing and receiving a card and PIN envelope;
• samples of the seal imprint and signatures of authorized persons;
• list of contact persons;
• a list of acceptable types of enrollments under an agreement for the provision of services within the framework of “salary” projects;
• register for opening accounts and issuing cards;
• questionnaire of a non-resident individual;
• information of a legal entity or individual entrepreneur.

If a legal entity has not previously had a contractual relationship with Sberbank, you will need to provide statutory documents, and if you want to open a current account, a package of papers for concluding a settlement and cash service agreement.

Sberbank salary project for individual entrepreneurs

If an individual entrepreneur has a staff, he can use the services within the framework of a salary project on the same basis as legal entities. The only peculiarity is that transferring wages to oneself is prohibited by the legislation of the Russian Federation.

Sberbank salary project for legal entities

The terms of service for legal entities within the framework of the salary project depend on the type of bank cards issued, and the commission for crediting funds to the accounts of cardholders is negotiated when concluding an agreement.

Services that are provided free of charge:

1. Issue and reissue of a bank card. The fee will only be charged if it is lost.
2. Annual maintenance. This option exists for almost all types of bank cards and depends on the terms of the agreement.
3. Crediting funds to the account. For most cards, the commission is charged only when a third-party service is provided credit institution.
4. Receiving cash at Sberbank cash desks and ATMs. Fees apply when exceeding the daily limit and when withdrawing through other banking institutions.
5. Payment for goods and services in stores, salons and other points.
6. Receive information on your card account by email or structural divisions jar.

The bank sets monthly and daily limits for receiving cash, which depend on the category of the bank card and range from 50 thousand to 1 million rubles per day and from 500 thousand to 30 million per month. The higher the level of plastic, the higher the limit and the more expensive maintenance can be.

Description of the process of creating a payroll in a video filmed by the Sberbank for Business channel.

Individual salary project of Sberbank

Business managers can be served on individual terms. For them, Sberbank offers two exclusive tariff plans:

Tariff name	Connection conditions	Services	Service
"Premier"	Availability of deposits totaling at least 400 thousand rubles and receiving a salary in the amount of 50 thousand rubles	premium bank cards, increased interest rate on deposits, comfort at airports around the world; special insurance programs, purchase insurance, extended warranty, legal support; preferential rates for transactions with impersonal metal accounts and currency, discounts on the provision of individual bank safe deposit boxes, tax refunds; separate service offices (for example, Krasnodar has 5 such branches, and Moscow has 22)	Free for the first two months and with a total balance on all accounts of 2.5 million rubles or more. 2500 rubles – from the third month if the condition on balances is not met
"First"	The amount of funds placed in Sberbank products must exceed 5 million rubles for regional branches bank and 15 million rubles for the Moscow region	personal manager, separate contact center line, priority service; increased interest rates on deposits, comfort at airports around the world; special insurance programs, purchase insurance; preferential rates for transactions with impersonal metal accounts and currency, discounts on the provision of individual bank safe deposit boxes, free translations in rubles, tax refund	10 thousand rubles per month.

How to submit information as part of the salary project?

To submit any information, you need to log into Sberbank Business Online and select “Products and Services” in the main menu, and then “Salary Project”.

This section allows you to:

• add a new employee;
• transfer funds to employees;
• import payments under the salary project;
• issue salary cards;
• create or import ready-made statements and send them to the bank;
• export files with open accounts.

The first thing required to start working with a salary project is to create and send to the bank a register for opening accounts and issuing cards:

1. Add each employee to the system on the tab of the same name by clicking on the “ New employee", and fill out all fields of the form.
2. Go to the “Issuing salary cards” tab, click on the “Issue card” button, fill out all the fields of the form and sign the document.
3. Download from the system a file with a list of accounts that were opened after the bank processed the register for issuing cards. This can also be done in the “Issue of salary cards” tab by clicking on the “Advanced search” link and specifying the necessary parameters: type of agreement, account opening date, registers and upload method.
4. After this, you can send salary slips to the bank.

Filling out data for a new employee Adding an employee card account Issue of salary cards

The video of the Sberbank for Business channel shows in detail how to download the salary register and calculate salaries.

Cards as part of the Sberbank salary project

Sberbank issues salary cards of 4 categories. The service fee depends on the agreement between the bank and the employer, but has restrictions established by tariffs. The higher the class of plastic, the more advantages it has and the higher the cost.

Map type	Name	Advantages	Cost of annual maintenance (determined by agreement), rub.
	Visa Gold / MasterCard Gold / Mir Gold	free mobile banking; cash withdrawal limit up to 300 thousand rubles per day.	0-3 000
	Visa Platinum	accrual of up to 20% “THANK YOU” bonuses; 20% discount on business class taxis with Wheely and Gett; 20% discount on car rentals with Avis, luggage packing with PACK& FLY; cash withdrawal limit up to 500 thousand rubles per day; free mobile banking.	0-10 000
	Visa Classic / MasterCard Standard	contactless payment method;	0-900
	WORLD Classical	contactless payment method; cash withdrawal limit up to 150 thousand rubles per day; participation in the “Thank you from Sberbank” bonus program.	0-750
	Visa Classic Aeroflot	contactless payment method; cash withdrawal limit up to 150 thousand rubles per day.	450-900
	Visa Gold Aeroflot	accrual of Aeroflot miles for each purchase; spending miles to upgrade the level of service on flights; the ability to transfer miles to charity; contactless payment method; free mobile banking; cash withdrawal limit up to 300 thousand rubles per day.	0-3500
	Visa Classic “Molodezhnaya” / MasterCard Standard “Molodezhnaya”	Visa Gold “Give Life”	0.3% of the purchase amount is transferred to charity; The bank transfers 50% of the fee for the first year of card servicing from its income to charity; contactless payment method; increased “THANK YOU” bonuses; cash withdrawal limit up to 300 thousand rubles per day; free mobile banking.	2 000-4 000

In addition to the listed bank cards, Sberbank also issues Visa Infinite, which becomes available when you subscribe to the “First” service package. Selected species plastic appear during promotions. The current list of cards and tariffs for them can be found on the official website of Sberbank.

How to disable the Sberbank salary project

If you want to disable the salary project, the legal entity must terminate the contract for the provision of this service. To do this, you need to submit a corresponding application to the bank 15 calendar days before the date of expected termination and pay a fee for previously provided services.

To refuse to have funds credited to him as part of a salary project at Sberbank, an individual simply needs to contact his employer, who will remove the employee from the payroll and send an application to the bank to change the status of the card.

Video

You can also watch the video from the Sberbank for Business channel about the benefits of Sberbank’s salary project.

The Sberbank salary project is a convenient tool through which wages are credited to employees’ accounts. Using such a tool, the client company reduces its costs and labor costs during the procedure for paying wages to its workers. Various benefits are also available to the company. Next we will talk about what the Sberbank salary project is: instructions for an accountant. Let us note all the advantages of this system.

The salary project has many advantages for organizations

How can legal entities benefit from the project?

The benefits for various organizations and businesses are as follows:

1. There is no need to pay if the total amount of the institution's wages is cashed.
2. The banking organization provides loyal tariffs - and we are talking not only about account servicing, but also about other important services. All of them are included in the company’s salary project. The price is set individually for each case.
3. The agreement is drawn up according to a simplified scheme. A constructor agreement is specifically used for these purposes.
4. Serious clients have the right to submit an application for installation of an ATM specifically in the institution’s building itself. Thus, the working staff of the institution will have the opportunity to withdraw their money without leaving the office premises.

How does such a project work?

The client company signs an agreement with the banking organization. The document is drawn up using the simplest scheme. The application can also be submitted remotely - you can use the online mode.

Immediately after the documents are signed, the company and the banking organization issue plastic cards to employees. Next, a separate account is opened for everyone. The project works like this:

1. The company accountant carries out the translation total amount salaries to a single bank account. The latter is opened in the name of the company that is the client.
2. To the office banking organization send a statement. It contains information about wages each of the employees. For individual entrepreneurs without employees, everything is still much simpler.
3. The credit institution, within the time period specified in the agreement, transfers finances to salary cards employees (based on the statement provided by the organization).

An important point: it will be better if the client company goes through the registration process in the “Sberbank Business Online” service specially created for this purpose. It allows for the possibility of remote submission of statements and total control of the location of finances in the company’s account.

To cooperate with a credit institution, an accountant does not necessarily have to go to the branch itself.

How is information provided within the framework of the project under consideration?

Sending salary information can also be sent remotely. For this purpose, it is necessary to fill out a form on the banking website reflecting all information about the institution. So, the form states:

1. Full name.
2. The total operating time of the institution.
3. Amount of workers.
4. Amounts included in the monthly wage fund.
5. Contact information about the institution.
6. Representative.

As soon as the documents are issued, the institution receives personal manager– a specific bank employee who will draw up documents. The same person will resolve all issues arising during the validity of the service agreement.

Connection to the project requires filling out applications

A Russian bank has developed a convenient tool that allows it to issue salary cards for citizens. Arranging them is now much easier and more convenient.

Instructions on register registration:

1. The “Register that allows you to open accounts” program is downloaded to your computer device. You can download it using the official Sberbank website.
2. The register must be filled out completely. Information about the working personnel is recorded. Next, click the “Export” button.
3. The document must have the appropriate mark - an electronic digital signature (EDS).

The last stage is sending the Register to the banking organization

The requirements are:

1. The card is issued free of charge; the bank does not need to pay anything for servicing.
2. You can also withdraw funds from ATMs (without exceeding the daily limit) for free.
3. The card requires the opening of an overdraft line. The rate is 20% per annum.
4. When setting a daily cash withdrawal limit, the card type is taken into account. If it is classic, the daily limit is 50,000 rubles. If platinum - 1,000,000 rubles.
5. A commission is charged on funds cashed in excess of the limits.

The employee register in the project under consideration has the following lines:

1. Personal information about the employee.
2. Full names of all employees in Latin. This information is recorded automatically - immediately after the facts are reflected in Russian.
3. Birthday, place of residence, citizenship.
4. Registration address.
5. Series and number of the identity card.
6. Personal code with which the citizen will be identified.
7. Employee contacts.
8. The position held by an employee in an organization.
9. Personal email.
10. Type of banking product ordered.
11. Information about the credit institution (what is the name of the branch, what is its code).

Once all information about the working personnel is entered, the register is exported. The bank's website has a special button for this purpose. The document is endorsed using an electronic digital signature. It is affixed by authorized persons of the institution. Next, it is sent to the bank.

If the instruction is supplemented in any way, Sberbank will develop new services. The client company will be connected to them automatically.

Launch of a salary project

Advantages for employees of the organization:

1. It is possible to issue additional cards for relatives and family members.
2. Citizen clients of the project under consideration will have the opportunity to take out loans and credit cards. They will also be able to issue mortgage credit lending and enjoy other privileges.
3. Employees participate in various discount offers from banking partners.
4. Any client has the opportunity to become a member bonus program“Thank you” from the banking organization.
5. While outside Russian territory, a bank client will be able to pay for any service using an international bank card.
6. In case of loss or theft bank card You just need to call technical support and they will block it. The client will not lose his money.
7. Personal savings are available at any time of the day or night. Sberbank ATMs are available throughout the country.
8. When accumulating money on the card account, a person has the opportunity to receive additional profit - namely interest charges from a banking organization.
9. By using mobile banking you can find out the status of the account and what transactions were carried out on the card. It is enough to simply send an SMS notification to the user’s mobile phone.
10. Thanks to Internet banking, it is possible to make transfers at any convenient time. It is also possible to pay for services, traffic police fines, and cover debts. The client does not have to pay for this service.

What points must a client – ​​a legal entity – take into account when concluding an agreement:

1. When drawing up such an agreement, the client agrees to adhere to the public conditions indicated on the company’s service.
2. If changes are made, no additional agreement is signed with the client.
3. If there are any changes and amendments at the legislative level, all clients who have drawn up a construction contract are required to adhere to them (without concluding an additional agreement).

To summarize, we can say that the Russian Sberbank regularly improves products for citizens and legal organizations. And the salary project is no exception. In addition, such a project is an ideal option for individual entrepreneurs without employees.

Using the Sberbank program allows you to simplify the procedure for paying salaries to employees. In addition, it helps reduce the costs of the institution when carrying out this procedure.