Find out more about the general conditions for issuing cards and paying wages to your company's employees.

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

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

Promsvyazbank does not charge a commission for cash withdrawals using its own cards at its ATMs, cash withdrawal points, as well as at ATMs of partner banks.

Why is it worth cooperating with Promsvyazbank

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

1. “Cards” module - for clients who have current accounts with Promsvyazbank.
2. “Salary project” module - 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 products and services on preferential terms.
• Promsvyazbank has a modern service that allows payment card owners to receive information about their account status at any time, as well as fully manage all their accounts opened with Promsvyazbank through the PSB-Retail system.
• We will inform your employees about all transactions on the payment card account via SMS messages.
• At Promsvyazbank ATMs, your employees can pay for the services of many companies without commission.
• At the service of your subordinates are Promsvyazbank ATMs with the cash-in function, which allow you to replenish your payment card account with cash online and exchange cash currency for rubles.
• At any Promsvyazbank office, employees of your company will always be able to take advantage of modern banking services and high-quality service. Promsvyazbank offices, branches, ATMs, cash desks and exchange offices are always close to you.

After receiving a Promsvyazbank salary card, find out additional options for managing services. This way you will get the maximum benefit from using “plastic”.

Registration and maintenance of Promsvyazbank salary card

The Promsvyazbank salary card provides additional bonuses and privileges, such as(*):

• PSBonus is a bonus program with which you accumulate points when paying for purchases in online stores;
• 40% discount on purchases at partner stores;
• transfer up to 10,000 rub. no commission;
• access to your personal account via the Internet;
• online service management;
• deposits under additional bonus programs;
• loans on special offers;
• Additionally, a credit card with free annual maintenance is issued;
• “Smart Money” service with planning of expenses and income.

Issued directly at the enterprise. An accounting employee fills out and sends documents to the bank. Card production takes 21 days. In this case, the costs are borne by the organization you work for.

To get a card yourself, contact any branch of Promsvyazbank. Fill out the form for the release of “plastic”. Check the information for errors so that you do not have to re-issue the contract later.

Remember, if the company does not participate, you bear the annual maintenance costs yourself.

How to activate a Promsvyazbank salary card

Once received, the card remains inactive. To use “plastic” instantly, use an ATM. Open the package with the PIN code. Insert the card into the service terminal and complete any operation, confirming by entering the secret code. This way you will activate the card.

Use the terminal directly at the bank branch. If you have any problems or questions, an office employee will help you figure it out.

To contact the operator in an emergency, look at the contact numbers on the back of the card. Hotline phone number: 8-800-333-03-03.

Remember: when you receive the card, you will be given a brochure with detailed instructions on possible operations.

Loan from Promsvyazbank for salary card holders

Promsvyazbank offers special conditions for loans to salary card holders. Before choosing a loan program, read the interest rates and loan terms. Use the loan calculator to calculate your monthly payment and overpayment. This will allow you to clearly assess your financial capabilities.

Interest rates on consumer loans range from 15.9 to 15.5%. Mortgage lending from 11.4 to 13.8%.

The loan is processed using one document. There is no need to provide a 2-NDFL certificate or work book.

You can submit an application in two ways:

• visiting a bank branch.

In some cases, it is possible for an employee to travel to the enterprise.

Don't be afraid to ask questions before signing. Once a document comes into force, it is almost impossible to challenge it.

The main advantage of a loan for a salary project is a reduction in the interest rate by 3 points.

How to close a Promsvyazbank salary card

After an employee’s dismissal, the company excludes his card from the salary project, and it goes into personal use. Accordingly, maintenance costs are borne by the direct owner.

If you do not want to use the card, visit the Promsvyazbank branch where the account was opened. Write an application for termination of the card due to dismissal from the organization. After the request, the employee will issue the balance on the card or transfer it to another account. Only then will the card be recycled. They must cut it in half before your eyes. This way you make sure that no one can take advantage of it.

1. Activate the SMS informer service. It will allow you to track expenses and account replenishments.
2. Withdraw cash only at Promsvyazbank branches or ATMs. Through other banks you will have to pay a commission for the transaction.
3. Make purchases only in trusted online stores.
4. Apply for a virtual card for online purchases. This way you will be able to avoid cyber scammers.

Promsvyazbank is a leader among financial companies offering their clients an effective salary project. Everyone, without exception, who decides to enter into a special agreement with the bank can count on receiving plastic cards, to which the money earned will be transferred. A modern Promsvyazbank salary card is not only a tool for ensuring payment transactions, but also an opportunity to receive certain privileges.

Possibilities of Promsvyazbank salary cards

Today Promsvyazbank offers several plastic options with different capabilities and conditions of use. Some cards have platinum status, others gold, and others standard. The type of payment instrument that is provided to the client depends on its category of the comprehensive program.

Limits on withdrawing money from salary cards

Agree, every potential client will be interested in the opportunity to withdraw cash in any city in our country, without having to pay a commission. However, you should always be aware of some of the features and pitfalls that exist in any modern banking offer.

You can withdraw money without commission, subject to the restrictions and limits established by the banking company’s specialists. The volume of the limit depends entirely on the type of plastic. As already mentioned, you can get a platinum card, which is provided to privileged clients of the bank, as well as a standard or gold one.

Wherever the user decides to receive cash, it should be noted that exceeding the established limits will result in the need to pay a commission fee of 2%.

Taking into account the possible exceeding of the daily withdrawal limit, the total volume cannot exceed RUB 1,000,000, after which all operations will be automatically cancelled.

How to get a salary card yourself

Depending on the situation, an individual can receive a Promsvyazbank salary card in the following ways:

• If you change jobs, but want to continue receiving your salary on your PSB card, you must write an application and submit it to the accounting department of the new employer.
• If you are not yet a bank client, you need to sign up for one of the more suitable service programs and transfer your wages to a card issued under this program. The transfer is completed in the same way as in the previous case, by writing an application to the employer’s accounting department.

In order to fill out the application, you will need to provide your card details. You can find them out in the Internet bank, by calling the hotline 8-800-333-03-03 or at any PSB branch.

Conclusion

The Promsvyazbank salary card is valid as long as its owner is on the staff of a company that has a contractual relationship with a credit institution. After dismissal, the company’s accounting department will exclude plastic workers, who will no longer participate in the salary project. The card automatically switches to the status of personal use. Naturally, the financial costs associated with providing the service are passed on to the user. If you do not want to continue using the card, you will need to cancel it.

Tatyana Sotskova, deputy regional director of Promsvyazbank in Vladimir, answered the most frequently asked questions about salary projects.

What do you need to know about a bank when choosing it as a salary project?

First, pay attention to the reliability of the bank, evaluate its reputation, this will be the key to the highest quality and service.

Read the terms and conditions for lending and opening deposits. For example, at Promsvyazbank, loan rates for participants in salary projects are lower than for other clients.

Secondly, learn everything about mobile and online banking: with their help you can perform the same operations as in a bank office. For example, in the Internet bank of Promsvyazbank you can perform more than 200 operations with your account: pay utility bills, mobile communications, make transfers from card to card of any bank without commission, open deposits and exchange currency.

Promsvyazbank has made most of these payments free for salary card holders. The service for creating your own payment templates using free details and services for automatic payment execution are in particular demand - this option can also be configured using templates created by the client independently. More information about the capabilities of Internet banking can be found here https://ib.psbank.ru/

Read about the pleasant little things that the salary project provides you with. For example, bonus programs and partner discounts. In the Promsvyazbank salary project, participants will be able to receive discounts of up to 40% at partner enterprises (there are more than 3,500 of them) with the PSB World of Discounts program. The bank's clients also have access to the PSBonus privilege program. It allows you to accumulate points for card purchases. Customers can use the accumulated points quite widely: pay for goods and services or exchange points for money.

What is the procedure for switching from one bank to another?

The transition procedure is very simple: it is enough to inform the employer about the change in the details for the salary transfer no later than 5 days before the payment of the current salary. Write an application addressed to the head of the organization, indicating the details of the new current account, the name of the bank, its BIC, INN and KPP

What types of cards can be used as salary cards?

Salary cards can be cards of any category: Visa Classic/Gold/Platinum, MasterCard Standart/Gold/Platinum/BlackEdition, as well as the national payment system “MIR”. The choice of card category depends on your position in the company and the required privileges. Promsvyazbank works with any type of card and will be able to select a product for company employees that will fully meet the client’s requirements. If you want to highlight your card, you can create your own design in the bank card store http://mycard.psbank.ru/

How much will it cost to maintain a salary card per year with all the benefits?

Of course, the issue of cost of service in a salary project is important when making a decision to switch from one bank to another. Service at Promsvyazbank as a participant in the salary project is free as part of this package.

What technological innovations are available to Promsvyazbank clients?

In August last year, Promsvyazbank launched a service for instant lending to individual clients in mobile and online banking. To obtain a loan for current Promsvyazbank clients, just go to the PSB-Mobile mobile application or online banking (if the service is available, an additional area with the “Turbomoney” function appears) ) indicate the loan amount (from 10,000 to 100,000 rubles) and term (from one to 12 months).

In addition, Promsvyazbank was one of the first on the Russian market to offer clients, Mastercard card holders, the use of contactless payment technology Android Pay. Android Pay allows you to make purchases with one touch of your finger on your smartphone or by entering a short PIN code (your choice). To use Android Pay, just download this application from the Google Play store and link your Promsvyazbank Mastercard debit or credit card to it.

PJSC Promsvyazbank. General License of the Bank of Russia No. 3251.