I don't have any negative experience with the bank:

1. Yes, only 10 branches for the whole city of St. Petersburg
2. Small branch offices
3. There are enough ATMs, but you will rarely find cash machines
4. Salary is always charged on time (every month at the same time)
5. For the first time I learned about the existence of cashbacks from them, thanks to the employees
6. Never delayed payment of interest and kshb
7. Convenient internet banking
8. Nice support, fast dialing

For all the time of our cooperation, I used three service packages and I want to present them:

◆ ◇◆ ◇Service package STANDARD◆ ◇◆ ◇

opened in November 2014

The cost of the card is free, paid by the employer

SMS informing - 60 rubles / month

◆ ◇◆ ◇Service package GOLD◆ ◇◆ ◇

Debit card Mastercard, Pay Pass

use time - 3 months (June - August 2015)

Package Benefits:

• the first 3 months of use - free of charge
• then - 500 rubles / month
• cash withdrawal from any ATM in Russia without commission
• 1% on all purchases
• 8% per annum is accrued on the current balance monthly

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Total cashback + interest for 3 months = 1687 rubles

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◆ ◇◆ ◇Service package CLASSIC◆ ◇◆ ◇

Debit card VISA, PayPass

Package Features:

• cost - 100 rubles / month
• 1% on all purchases
• SMS informing - free of charge
• cash withdrawal from ATMs without commission
• monthly 2 cash withdrawals at any ATM without commission

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Received cashbacks (accrued on the first days of the month):

11.01.2016 - 348,28

TOTAL: 1491.84 minus 400 rubles for the commission = 1091 rubles

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◆ ◇◆ ◇ Amazing story time◆ ◇◆ ◇

Something weird happened while writing this review. I have sown mine silver card VISA 25.02.2016.

After depositing cash, I took the receipt and forgot to pick up the card from the ATM and ran to the subway.

When it came time to buy a travel card, I opened my wallet and discovered it was missing. My first thought was I left it at the ATM and someone grabbed it. Called to hotline, explained the situation and the girl temporarily blocked her within 10 minutes.

Half an hour later I was already at the bank branch, where it was safe closed this card.

At the same time, I found out the tariffs for losing the card:

It costs 600 rubles to block and reissue the card if it is lost:(

reissue or close for free only if the card remains in the ATM (like mine)

Reason for closing the card: found more profitable proposition on cashbacks and have already managed to order a card from another bank, which I will also leave a review about in the future.

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UniCredit Bank offers potential customers several types of debit cards that can be used to receive wages. They are issued both for individuals and as part of salary corporate projects implemented jointly with financial institution.

Some of the most popular payroll cards include:

• Premium from MasterCard. A premium banking product that allows you to receive up to 10% cashback on purchases and other bonuses. The cost of maintenance is 3 thousand rubles. monthly;
• Extra from Visa. At a lower price for service equal to 1.5 thousand rubles. per month, allows you to return up to 5% of the cost of purchases. Like Prime, it allows you to open a card in foreign currencies - US dollar or euro;
• Gold from each of the international payment systems. It costs the owner even cheaper - 500 rubles. monthly. Allows you to get up to 3% cashback. Cash withdrawal limits are set at 250,000 rubles. per day and 1 million rubles. per month;
• "Drive". The package of services provided includes up to 3% refund paid when making purchases Money. The cost of monthly maintenance is 300 rubles;
• classic. The cashback value is set at 1%. standard cost service is 150 rubles. monthly;
• "Without Borders". Suitable for those who like to travel, as it allows you to accumulate up to 5.3 thousand bonus miles per year. Service to the cardholder will cost 500 rubles. every month.

A common characteristic feature of UniCredit Bank debit cards is the ability to free service. It is provided when the conditions for the monthly plastic turnover or the amount of the balance on the client's personal account are met.

Required documents

UniCredit Bank, when applying for a salary plastic, requires the presentation of a client's passport. In addition, he needs to visit the site or branch credit institution fill out an application form for the production of a card.

Requirements for the recipient

the only additional condition payroll debit card UniCredit Bank advocates reaching the age of 18. Official confirmation of solvency is not required.

1 The campaign period is from January 01, 2019 to December 31, 2019. The organizer of the campaign is AO UniCredit Bank. Eligible to participate individuals who, at the time of submitting the Credit Card Application, are employees of companies located on payroll service in AO UniCredit Bank and did not have a credit card of AO UniCredit Bank within six months prior to the submission of the Application for a credit card. To participate in the promotion, it is required from January 01, 2019 to December 31, 2019 inclusive to submit an Application for a UniCredit Bank credit card and receive a credit card. For MasterCard cards Standard and Automap World MasterCard commission for annual maintenance not charged while the Member is payroll client Bank - an employee of a company/organization serviced by the Bank under the "Agreement for the provision additional services for Settlement Services” or “Agreement for the Provision of Additional Services for Settlement Services Using a Special Account”; for MasterCard Gold, Autocard World MasterCard Premium, Visa Air, the annual service fee is not charged for the first year of credit card maintenance. The amount of the commission for the second and subsequent years of service on a credit card is set in accordance with the current tariffs of the Bank. detailed information about the organizer of the promotion, about the rules for its conduct, the number of prizes, the timing, place and procedure for receiving them - in the rules of the promotion.

2 Refund. The Bank pays remuneration on a monthly basis, during the month following the reporting one. For AutoCard World MasterCard®, AutoCard World MasterCard® Premium minimum size remuneration - 30 rubles, maximum - 3,000 rubles. The total remuneration for the main and additional cards. Rewards are not paid if there is an overdue credit card balance on the 1st of the month following the month in which the purchases were made, and also if in the month in which the purchases were made, credit card was closed. The Bank may unilaterally refuse to accrue remuneration for a transaction. The operation belongs to a certain category is determined by the registration code in the payment MasterCard system. Full rules for payment of remuneration are specified in the Terms of Service bank cards JSC UniCredit Bank with the possibility of paying remuneration for using the card.

3 Categories of increased accrual of bonus points are determined by the Bank on a quarterly basis. These categories can be found in Enter.UniCredit and in the rules.

4 The service is provided by CJSC ERGO, licenses for insurance - SL No. 0177, SI No. 0177 dated 10/18/2017. www.ergo.ru The insurance service is provided only when the card is activated and the cardholder receives an insurance certificate at a branch of the Bank. The insurance is valid up to 1 year. To renew insurance and receive a certificate for new term, you must apply in advance (before the end of the current insurance period) to any branch of the Bank. Travel insurance is valid for cards: Gold Mastercard, Autocard World MasterCard® Premium, Visa Air.

With the advent of the new banking product- Almost everyone managed to evaluate her salary cards: both employees of companies and their employers. And this is not strange, because "plastics" for transferring well-deserved earnings have a lot of advantages.

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For leaders, their list is something like this:

• there is no need to keep a large amount in the company's cash desk to pay workers;
• no long queues at the accountant's door on payday;
• the volume of paperwork is significantly reduced, etc.

Speaking about the employed, the “pluses” for them are something like this:

• Money is better protected from loss or theft. Indeed, in such circumstances, the client will be able to quickly block his card.
• Opportunity to receive money in full, and not to hear excuses like “there are no trifles, acres”, etc.
• In this case, the salary level can be hidden from colleagues.

Thanks to a large number benefits of a salary card, there is a good demand for them. And as you know, there is demand - there will be supply.

This is precisely what can explain the fact that almost every financial institution offers its own salary projects. One of these is Unicredit Bank.

Company Reservations

To understand what exactly a company will get from cooperation with Unicredit Bank, one should consider in more detail all their proposals, study their advantages and evaluate the work of the organization.

Only thanks to this it is possible to understand whether it was worth starting a partnership with this financial institution or not.

Advantages and working principle

Speaking about the "pluses" of the salary project from Unicredit Bank, the following should be highlighted:

• Reducing the responsibilities of accountants. They will stop complaining about the constant lack of time, and if they wish, they can even reduce the staff a little, which will positively affect the company's budget.
• Reducing paperwork.
• Money will be under more protection than they would be in a safe. After all, cases of their opening or fire are possible.
• If necessary, you can pay money to an employee even when he is in another city. For example, business trips.

The principle of operation in this case will be as follows:

• The company applies for opening accounts and issuing a card. The bank very quickly fulfills and issues everything.
• After that, the transfer is carried out in one file: very simple and confidential. Perhaps this is due to special software.
• On the same day, employees can withdraw money from their cards.

Moreover, within the framework of the salary project from this bank, 2 types of offers are possible: with or without opening an account.

A huge “plus” to the bank’s offer is the ability to install an ATM on the company’s territory, while it will be easier for employees to withdraw money at work rather than then look for the nearest terminals

Available card types

Unicredit Bank, as part of its salary project, offers 2 types of cards: Visa Classic and Visa Gold.

Their distinguishing features can be found in the table below:

Type of bonuses	Visa Classic	Visa Gold
Cashback for purchases	+	+
Online account management	+	+
Free transfers to ruble accounts of third-party banks	+	+
Free cash withdrawal from ATMs of other financial institutions	2 times a month	+
Free SMS-informing	+	+
Program discounts	"Discount card", "visa bonus"	"Discount Card", "Visa Premium"
Free travel insurance	—	+

Technical details

It will also not be superfluous to clarify some features of the salary project under consideration.

They are:

• Employees of one organization have the right to have accounts and be serviced in different branches of the bank.
• Employees of one company, if desired, can order "plastics" for transactions in rubles, dollars or euros.
• Foreign companies can transfer salaries to their domestic employees in their own currency, while employees will receive them in foreign currency accounts.
• Unicredit Bank does not impose any requirements on account balances. But it is important to note that if they are available, interest will accrue quarterly.

Clarifications for managers

The heads of companies cooperating with Unicredit Bank should also know some of the nuances. It will not hurt them to explore the benefits of such a partnership.

general review

Clients of Unicredit Bank are managers who value their time and their work. Indeed, thanks to such cooperation, they will be able to solve all financial issues very quickly and simply. And all this is available due to a convenient tool, such as salary project.

As part of the proposal of the financial organization in question, managers are required to issue a Visa Gold + card.

It provides the following bonuses and privileges:

• cashback in the amount 1% for purchases;
• free insurance policy when traveling abroad;
• online account monitoring;
• free transfers to accounts of third-party banks;
• free cash withdrawal at any ATM in Russia;
• free SMS-informing;
• bonuses under the "Discount Card" and "Visa Premium" programs.

PRIME

For the heads of companies, Unicredit Bank offers to connect a package of services under the same name, which will emphasize the status of the client and get more bonuses.

Here is what the cardholder will be gifted with in this case:

• cashback in the amount 10% when making payments with a World MasterCard Black Edition card in any restaurants, cafes and bars in the world;
• benefits from Unicredit Prime Club in the form of a separate manager, a personal communication line, a dedicated service area without queues in bank branches;
• free transfers in any currency;
• free cash withdrawal at any ATM and anywhere in the world;
• free access to business lounges of airports participating in the Priority Pass program;
• discount in 90% when renting safe deposit boxes (they will help to save valuables while traveling or conducting transactions);
• free insurance policies while traveling abroad for the cardholder and his family members;
• assistance in organizing recreation in the Russian Federation and abroad under the Concierge Service program;
• issuance of up to ten free additional cards;
• nice bonuses under the Priceless Cities program.

Services

Company executives are also provided with products with better rates.

Among them:

Features of salary cards from Unicredit Bank for employees

With the cooperation of the employer with this financial institution, employees will also remain in the “plus”. They will be offered more profitable loans, friendly service and excellent service.

Balance control

Employees of the company will be able to find out the balance of their account in several ways:

Calling the bank's call center	The phone number for residents of Moscow is 8-495-258-72-00, for other regions - 8-800-700-73-00. The operator will immediately notify you of the amount of funds on the card.
Through the UniCredit service by logging into your personal account	In this case, you will need to pre-register with the card number.
Thanks to SMS	To connect the service, you need to do a number of actions: insert "plastic" into the ATM, enter the code; find and click on "other services" - "manage cards"; in the window that opens, click on "activate SMS-banking". You can activate the service in another way, by calling 332. It is worth noting that it is paid: the money will be debited from the card account at the time the option is activated.
Using an ATM	To do this, insert the card into the device, select the "account balance" window. And that's it! The account status will be in front of the user's eyes.

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