Transferring the monthly fee to a card account is an up-to-date and convenient way to receive remuneration for work. Consider how to apply for a Sberbank salary card, and what advantages it provides.

How to apply for a salary card in Sberbank?

You can issue a Sberbank salary card by contacting the management of the employer company to the bank to conclude an agreement. It prescribes the conditions for issuing and servicing a banking product. As a rule, this approach is centralized in the design of a salary project. On the basis of an agreement and a register of employees, Sberbank issues international cards of payment systems: Visa or MasterCard of the Classic / Standard category or higher. In this matter, the wishes of the management and employees of the company are taken into account.

How to issue a Sberbank salary card for an employee of an enterprise? He is required to submit a photocopy of his passport to the accounting department. The release is from 10 to 14 days. To obtain it, the employee must apply with a passport to the designated branch of the bank. Or, by agreement of the management with the bank, the issue can be made on the territory of the organization.

The employee gets:

• plastic card;
• an envelope with a personal security code;
• agreement;
• terms and conditions of service.

If the project is already in operation, then a newly hired employee with a notification from the accounting department can independently contact Sberbank to order a salary card. You will need to fill out an application.

Advantages of a Sberbank card

Receiving money from the employer to the salary account is beneficial primarily for the employee. Such a card makes it possible not only to transfer remuneration for work to it, but also to use the full functionality (pay for purchases, payments).

Main advantages:

1. Annual maintenance is paid by the employer. In a number of enterprises, this obligation is divided in half with the employee.
2. Priority opportunities from the bank for holders of payroll products (reduced interest rate on loans, minimum application processing time).
3. The ability to use as a document confirming income when applying for a loan at Sberbank.

You can also connect a full range of services to the banking product: mobile banking, Sberbank.Online, piggy bank and auto payment.

Actions upon dismissal

If the cardholder quits his job, the employer submits information to the bank about the termination of the salary project regarding the holder. The banking product is transferred to a different "status": the obligation for annual service costs is transferred to the cardholder. It can be closed if necessary.

So, knowing how to open a salary card in Sberbank and its privileges, an individual can independently turn to management with the initiative to release such a banking product.

Ekaterina Martsukova.

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Ekaterina Martsukova

Most of us use bank cards. We perceive plastic as an integral part of our life and wallet. Many have at least one card to which wages, pensions or stipends are transferred. I'm not an exception. With each new place of work, I involuntarily had to get acquainted with a new bank and replenish the collection with a new card.

And here's what's interesting: for some reason, salary cards always lose to the rest in the bank's lineup. Usually they do not have any "buns" - as a rule, only a minimal set of options. As if banks are not interested in the fact that the owner uses the card all the time, and not just to receive money a couple of times a month.

Meanwhile, I want to have a universal card for all occasions - for storing money, and for receiving cashback, and for use abroad.

Salary cards as a class are united not only by meager functionality, but also by the inconvenience of “parting” with them. As a rule, they are issued centrally, but for closing you have to communicate directly with the bank. You can continue to use the card until its expiration date, but after it leaves the salary project, the cost of maintaining it falls on your shoulders.

Basically, we are talking about a fee for annual maintenance and SMS-informing. It is not uncommon when, having forgotten about old unnecessary cards, we receive bills from banks with accrued payments, fines and penalties. So why not choose a convenient card of a convenient bank once and for all?

The abolition of "wage slavery"

The law allowing an employee to choose a bank for issuing a salary card came into force on November 5, 2014. To do this, it is enough to inform the employer in writing of the new details for the transfer of funds. The law is the law, but in practice workers often still cannot make independent choices.

Basically, the obstacles are caused by the accounting department, refusing to accept an application for a transfer. Typically, financial employees refer to internal regulations, which contain a clause stating that the employee is not entitled to make such a statement, or threaten to withhold commission from wages for transferring money to a bank that is not a partner of the employer.

Remember, the labor code is on our side. Article 136 of the Labor Code of the Russian Federation says that the employee has the right to choose a credit institution that will transfer his salary, and article 22 obliges employers to pay in full the wages due to employees and comply with labor laws.

Thus, the objections of the employer or the charging of a commission are contrary to the labor code. In this case, you can complain to the State Labor Inspectorate - or at least inform your accountant about your intention. It is unlikely that he will want to bring the case to checks.

If an agreement still fails, you will have to fulfill your threat or retreat if you are not ready to risk ruining relations with the chief accountant. Based on the results of the audit, sanctions may be applied to the employer for non-compliance with the Labor Code of the Russian Federation. And if nothing has changed after the inspection by the inspection, all that remains is to go to court to protect your rights.

There are other ways to solve the problem - without notifying the employer and the payroll bank. Some credit organizations offer a service for linking cards in their Internet or mobile bank, after which funds from a salary card can be “taken away” without commission. Such an operation in a payroll bank will take place as a purchase - that is, without charging an additional fee (examples: Tinkoff Bank, St. Petersburg Bank, Touch Bank, Rocketbank, FC Otkritie Bank).

My bank does not charge a fee for transferring funds to an account with another bank. Check if yours also provides for such a benefit (limitations on the amount of such transfers are possible).

So, you still decided to change banks. You should analyze why you are not satisfied with the current map and what you would like to get as a result.

What's wrong with my salary card:

• The bank does not charge interest on the balance of funds on the card.
• There is no cashback, and the bonus program is not attractive to me.
• Inconvenient mobile banking.
• Often, SMS notifications from the 3D Secure service do not arrive.
• There is no bank branch near home and work.

You may have other claims against your payroll bank. For example, a high commission for issuing cash through “foreign” ATMs, especially if there is no “native” ATM nearby.

dream salary card

Ideally, the map of my dreams should be free from all of these shortcomings, but if I can reduce their list, it will also be nice. I started the search with additional wishes:

• The card should be free or inexpensive, taking into account the fact that the employing company will not compensate for the cost of its maintenance.
• The commission for withdrawing cash from third-party ATMs should not be too high, and the best thing is to be absent altogether (especially if the bank does not have a very developed ATM network).
• Free interbank transfers are desirable.
• The minimum commission for SMS-informing (few people provide this service for free).

Suitable cards were found at once from several banks. A nice bonus was the free delivery of the card by courier to your home or office. In Moscow, many banks in pursuit of customers began to offer this service. If you choose one of the so-called online banks (Touch Bank, Rocketbank, Tinkoff Bank), then you won’t have to visit the office at all, all problems can be solved remotely - by phone, through a mobile application, chats, by email mail.

In general, getting a debit card today is easier than ever - just fill out an online application on the website of a credit institution and wait for the courier. Banks that do not yet carry out delivery offer instant issuance of a card when contacting an office (for example, Credit Europe Bank).

Of course, it was not possible to find a card that fully meets my expectations, but there are as close as possible to the ideal. Banks often offer free card service if the customer meets certain requirements. For example:

• Maintains a certain minimum balance on the account.
• Regularly credits money to the card.
• Makes non-cash purchases on the card in the prescribed amount.
• Opens a deposit.

Such conditions are provided for by the cards of Touch Bank, Tinkoff Bank, Russian Mortgage Bank, Loko-Bank, FC Otkritie Bank and many others. Unconditionally free plastic service is offered by Rocketbank (Cozy Space tariff) and Credit Europe Bank (Card Plus) - but only for the first year of service.

The same requirements, in combination or separately, can be applied for commission-free cash withdrawals in third-party devices or for accruing interest on the balance of funds. It happens that banks provide a limited number of free withdrawals per month or set a maximum limit on the amount of transactions for which no commission will be charged.

When choosing a card, I did not try to “jump over my head”, but focused on my usual financial behavior. That is, I took into account how much my salary would come in, how much I would spend on purchases per month, and how much cash I would need. There were many suitable options. Brief information about them is presented in the table.

At the same time, I did not consider special cards for payroll workers. Let's go to them.

Individual salary project

Recently, banks have been actively recruiting clients for "individual payroll projects." What it is?

When you transfer your salary to the bank, you get a card with no annual service fee, preferential conditions for cash withdrawals in the network of third-party banks, and other privileges, such as obtaining a loan at a reduced rate, opening a deposit at rates above the market, and others.

The card can be opened both as part of a service package and without it. Moreover, many credit institutions did not create a separate product, but simply added a condition on the transfer of wages to the current tariffs (for example, Alfa-Bank, FC Otkritie Bank).

With regular receipt of funds to the account from a legal entity with the appropriate purpose of payment (salary or advance payment), you are assigned the status of "salary client". The category of the issued card directly depends on the amount of receipts. The more funds are credited to the card, the higher category of the card will be offered.

But not everyone can become participants in such a project. The salary must not be lower than the level set by the bank. VTB 24, Raiffeisenbank, Binbank, Svyaz-Bank, Citibank and others have individual salary projects.

Which bank to transfer the salary

So, we have determined the circle of suitable cards, now let's look at the pots. Last but not least, we are interested in their reliability, because we have to store all our income there. Funds on the accounts of individuals are insured by the DIA in the amount of 1.4 million rubles. If the bank's license is revoked, this amount will be returned to you. However, due to the increasing cases of fraud by banks, when customers did not even get into the DIA register, it is not worth the risk.

It is not easy to assess the reliability of a bank without being an expert. But there are a few simple rules that will help protect yourself:

• Choose a fairly large and well-known bank;
• Familiarize yourself with its ratings assigned by relevant agencies.
• Follow the news about the credit institution.
• Read testimonials from existing customers.

You can read more about how to check the level of reliability of a bank in my colleague, head of the information and analytical service of the Banki.ru portal Sabina Khasanova.

To protect yourself, you can open several cards in different banks. Also, this advice is suitable for those who could not find one optimal solution for themselves. Now there are interesting services with the help of which it becomes more convenient to use several cards at once.

So, "Touch Bank" offers the service "Cards in a card". You can link up to five cards from third-party banks via Internet Banking and make purchases and payments using any of them. Also, a third-party bank card can be selected as a backup. If the money on the Touch Bank card runs out, the payment will automatically go through with the selected reserve.

According to the Labor Code, citizens of the Russian Federation can order a card to receive a salary at any bank, and not just the one where the enterprise is serviced. The sites have an online registration function, but this is rare for salary offers.

Is it possible to apply for an online salary card online

To get "plastic" in the bank that is convenient:

1. Choose the right offer on the site.
2. Order a product online by filling out a questionnaire, if the site allows. If not, this can be done at the bank office.
3. Submit your passport and TIN at the bank branch. If you plan to use, then a salary certificate.
4. Get the ordered "plastic".
5. Write an application to the accounting department for the transfer of money. By law, it must be submitted at least 5 days before payment.

With the independent registration of the card, the client bears the costs, but it is possible to choose the appropriate package of services.

How to apply for a salary card Sberbank

Any citizen of the Russian Federation who has reached the age of 18 can issue a debit card for salaries.

Follow these steps to get the right payroll product:

1. Use the questions on the site to decide which card you need: debit or with a credit limit.
2. Next, a column with several clarifying questions will appear on the page. After the answers, the choice will be 2-3 sentences. Check it out, choose the best.
3. Debit can be ordered directly from the site. The rest of the salary offers are made in the office.
4. After sending the application, an employee of a financial institution must call the client back. In your personal account, you can track its status.
5. Submit the documents to the bank branch.
6. In one or two weeks, you will receive "plastic" at the branch of Sberbank.
7. Submit an application to the accounting department for the transfer of salary to the card, indicating all the exact details.

How to apply for a VTB salary card

VTB Bank specializes in servicing large corporations, while its subsidiary VTB 24 specializes in servicing individuals.

Since May 2016, after the merger of VTB Bank and the Bank of Moscow, the combined institution began to serve small businesses and individuals. The Retail Business service line offers free payroll products. As part of their operation, customers can travel by public transport at special rates. There are also special offers and promotions.

To get such a payroll card:

1. Contact the branch and fill out the form.
2. Sign the contract, get "plastic".
3. Make the transfer of salaries in accordance with the law.

A salary card can be opened from the age of 18. It is possible to issue an additional “plastic” to it for persons from the age of 6.

How to apply for a VTB 24 salary card

On the VTB 24 website, you can choose the right offer and become the owner of "plastic" with attractive bonuses and many features. In the absence of a salary project, the client can arrange a package of services independently at the office of the organization.

To replenish the "plastic", you can use the options:

• ATM,
• Internet banking,
• bank teller,
• transfer from a card of another bank.

Benefits of VTB 24(*) payroll products:

• free service;
• connecting a savings account with an accrual of 8.5% per annum on the balance;
• discounts from bank partners up to 40%;
• cash back up to 5% of purchases;
• free and transfers/payments through VTB 24-Online;
• registration of up to 5 cards for the whole family.

How to apply for Alfa Bank salary card

For self-registration, a financial institution offers service packages:

• "Economy";
• "Optimum";
• "Comfort";
• "Maximum".

These are tariffs with different levels of service. On the site, fill out an online application and order the delivery of the product. It will be ready within 2 days. This applies to offers "Optimum", "Comfort", "Maximum". For "Economy" "plastic" can be ordered by phone, or in the office.

Download an application for transferring money to an Alfa Bank card from the site. Find out the personal account number that you need to indicate in the application at the Alfa Consultant center, at a bank branch, in Internet banking or in mobile banking.

"Plastic" can be replenished by transfer from other bank accounts, cards, using payment terminals.

The client can issue an additional card to an individual from the age of 14.

How to get a Tinkoff payroll card

To receive a salary, a financial institution offers a Tinkoff Black card. The product can be ordered online and delivered to your home, office, or by mail.

Benefits of Tinkoff Black:

• free withdrawals everywhere;
• Cash Back up to 30% for purchases;
• Availability of a mobile application;
• 8% on the balance of funds.

The older generation still remembers the time when a long queue lined up at the cash desk of the enterprise on the day of pay. Nowadays, a salary card, to which the bank transfers the client's salary, is used almost everywhere. This form of service has a lot of advantages, for example, you can withdraw the necessary amount from an ATM, or leave money in a deposit account.

What is a salary card

Plastic bank cards are divided into three types: debit, credit and payroll. The difference between the latter is that the client's salary is transferred to this plastic. As part of salary projects, other cash accruals “for work” can also be transferred here - travel allowances, bonuses, financial assistance and other payments, which previously also had to be received through the cashier.

What is needed for

The main purpose of the salary card is to be a reliable mechanism for transferring and receiving earned funds. An employee of the organization is provided with a convenient payment tool that can be used not only to withdraw cash from an ATM, but also as a means of non-cash payment in regular and online stores. Such a card is also well suited for transfers on bills for housing and communal services, provider, mobile communications, etc.

Who draws up the card and how

The use of plastic cards for paying salaries is also beneficial for the enterprise itself, reducing cash turnover, allowing you to do without a cashier (or collection services) and greatly saving on settlement and cash services in a bank. It is also convenient for the owner of a salary card that all the costs of receiving and servicing are covered by the organization in which he works, and for him this plastic will be free of charge.

Issuer

The direct issuer of a plastic card is a banking organization that serves the enterprise. At the same time, the credit institution receives new corporate clients of individuals using its services. As a rule, payroll card holders are provided with benefits in general when servicing - for example, such clients can be provided with a loan at a lower rate.

How is a salary card different from a regular debit card?

For novice users, a salary card is often associated with a regular debit card, meanwhile, these are two different banking products. Similar in appearance and in the way of storing money, these two cards have significant differences, so payroll:

• issued free of charge;
• the period of preferential service is limited to the period of work in a particular organization;
• the owners of such plastic belong to the category of loyal customers, and they are provided with benefits and discounts for servicing.

Unlike them, debit offers:

• in most cases, they come with a paid annual service;
• the service life of the card can be periodically extended (but for this you still need to change the plastic);
• cardholders do not have special privileges in providing other banking services.

Species

The owner of salary cards needs to know that in addition to the fact that there are salary debit cards, other service options are possible (for example, it can be an overdraft instrument or a credit card). As a rule, these banking products are issued at the initiative of a client who needs additional services and agrees to pay for them.

Debit

This type of card serves a salary account, to which the employer transfers finances to employees of the enterprise. Many owners of such plastic bank cards, of all the functions, use only cash withdrawal at an ATM and the ability to pay for purchases in supermarkets. Connecting Internet banking significantly expands the possibilities for owners of individual payroll plastics, making it possible to use a bank card to pay for services online.

Debit with overdraft

If the owner of a bank card decides to issue an overdraft, then he gets at his disposal the opportunity to use a bank credit line. It should be borne in mind that this service is paid for at separate rates, and implies additional costs. The banking structure will automatically remove the fee for the use of credit resources from the client's account upon receipt of new funds. The overdraft limit (the amount that the user can receive) is indicated in the bank agreement.

Credit

In this case, credit limits will be higher than with an overdraft and for participants in salary projects, such cards will be issued on preferential terms. For example, for those who receive a salary through Sberbank, this financial institution issues credit cards in the amount of up to 200,000 rubles and 19% per annum (with 24% for ordinary customers). In order to open such plastic in Sberbank branches, you do not need a package of documents, but only a passport is required - the credit institution already has the rest of the information about the client (including his income level).

How to order a salary card yourself

Plastic for receiving wages can be issued by the user himself. This is not a complicated procedure at all, for example, to get a Sberbank salary card, you need to:

1. Explore the range of offers by choosing the right product. It can be a Visa card or other plastic, which is serviced free of charge.
2. Contact the bank branch with an application for issuance, indicating the desired service program.
3. It takes two or three weeks to issue a card. Together with the plastic, the user receives an insert with the account number - it is necessary to report it to the employer's accounting department.
4. It must be remembered that now you do not have a full-fledged salary card (which is issued only as part of a joint project involving the bank and the employer), but plastic, for transferring wages. For this reason, maintenance costs will have to be paid by yourself.

Registration via the Internet

Today, many banks (VTB24, Alfa-Bank, Sberbank and others) provide the opportunity to order plastic online. The procedure here is not much different from the option with registration at a bank branch - by going to the required page on the site, you need to select the type of card you are interested in (for example, standard, gold or platinum from Sberbank) and fill out a questionnaire. Then the application is sent to the credit institution, and after 2-3 weeks, you can come for the finished card product.

How to make the best choice

Choosing a bank on his own to arrange salary transfers, the user is free to choose the conditions suitable for him, so he can stop at the most favorable offers for him. The following may be important:

• Promotions held by a credit institution for debit card holders. This also includes cashback from purchases, which helps to return up to several thousand rubles per year with the active use of plastic.
• Internet banking and mobile banking, which provide the opportunity to make payments and make transfers, literally without getting up from the couch.
• Additional services included in the annual subscription fee, and the ability to be served free of charge.

Maintenance cost

There is an opinion that debit cards necessarily have a paid service, but this is not so. For example, you can take the plastic "Cosmos" Home Credit Bank. The first year of servicing plastic cards does not provide for payment, and subsequently, in order to receive this bonus, you need to save at least 10,000 rubles on plastic. It is not difficult to meet this condition, especially since this amount remains in the account and interest is charged on it.

Availability of ATM network

Since not all payments are feasible in a non-cash form, the prevalence of services for convenient cash withdrawals is an important advantage of payroll cards of a particular bank. When withdrawing money from your "native" ATM, you do not need to think and worry about the service fee - it simply will not exist. The table lists the top 3 Russian banks by the number of ATMs:

What to do when you get fired

Stopping working in a certain organization, many holders of salary cards are just right to think about how the latter will be further serviced. Depending on the initial situation, two options are possible:

• The salary card was issued by the employer. In this case, when the employee is dismissed, he can hand over the card to the accountant. If he plans to use plastic further, then he will have to pay for the service on his own.
• The plastic was independently received by the employee (for example, Sberbank Visa Electron) - in such a situation, nothing changes for the employee and he continues to use the card as before.

Payroll options

A well-chosen tariff provides the user with ample opportunities for modern services, payment transactions, discounts and bonuses. Even if some service is irrelevant to you today, it is not a fact that it will not be useful tomorrow. For example, the active use of plastic for payment activates interest in cashback, although until recently the owner could not pay attention to it.

Cash withdrawal without commission in partner banks

The ability to use ATMs for cashing out is a very convenient feature that many plastic holders regularly resort to. If the credit institution that issued your card has a small ATM network, then you will have to resort to the services of ATMs of other banks. In this case, several options are possible:

• The plastic you use can be serviced by ATMs of other financial institutions for free. For example, under certain conditions, you can withdraw cash from Tinkoff Black plastic at any ATM without commission.
• Affiliate network services are charged at a reduced rate. For example, it is convenient for Gazprombank customers to use devices for issuing money from Promsvyazbank or Devon credit, because the service in this case will be only 0.5%.
• Withdrawing money from ATMs of third-party banks that are not part of the partner network often involves a commission of 1% and a minimum amount of 100 rubles, so using them is not always profitable.

Online payments

Modern card products, to which salaries are transferred, make it possible to perform many transactions via the Internet. You can book hotels or pay utility bills, and there are two options:

• Payment is made directly through the site for the provision of services by entering the CVC code.
• Payment is made using the bank's website - this method will be more convenient due to greater security, as well as additional services, such as creating templates for regular payments.

Cash flow operations

Using a salary card, a user can transfer money both to other card products or bank accounts, and to electronic wallets (Yandex.Money and others). If you actively use the wallet, then it makes sense to attach it to plastic - it will take less time to make a payment. With one-time transfers, it will be faster to use the services of exchangers, the commission in both cases will be up to 5%.

Making payments abroad

Holders of Visa and Mastercard cards can use them abroad without special restrictions, but it must be borne in mind that foreign transactions are under special control of banks and may be blocked due to suspicion of unauthorized access. Therefore, it is in the interests of the owner to clarify with bank employees all the details of using the card product abroad before the trip.

Internet shopping

Using plastic for online shopping is very convenient, providing the opportunity to become the owner of the product you like in a few clicks. In most cases, payment is made by entering a verification code on the back of the plastic. A nice bonus to purchases will be cashback, which returns to the owner a part of the amount spent (2-3%, but it can be up to 10% or more).

Which banks offer payroll programs

Offering to arrange payroll services on an individual basis, Russian banks define very different terms of service - both in terms of the interest rate, and in terms of the cost of services or additional bonuses. The table shows some options with different indicators:

Bank's name	Card product name	Payment system	Validity, years	Interest accrual on the balance, %	Maintenance cost	Withdrawal limits	Cashback, other bonuses subject to availability
Tinkoff Bank					Free of charge if there is a deposit of 30,000 rubles or more, in other cases - 99 rubles. per month	When withdrawing more than 150,000 rubles per month, the commission is 2%, with a cash amount from 3 to 150 thousand - free of charge.	Up to 30%, free transfers to other cards.
Home Credit Bank	"Space"					The daily withdrawal limit is 500,000 rubles.
	Debit			Up to 8% depending on the term	Free service with a minimum deposit of 50,000 rubles (or 250 rubles per month)	Missing	Up to 3%, free withdrawal at all ATMs.
	"Classic"				Free with a balance of 50,000 rubles (or 150 rubles per month).	The daily cash withdrawal limit is 150,000 rubles, the monthly limit when using third-party ATMs is 500,000 rubles.
	"Individual"				Free with a balance over 15,000 rubles	Cash withdrawal at all ATMs without commission depends on the amount spent on purchases (for example, at a cost of 5-15 thousand rubles, you can withdraw up to 15,000 rubles without commission).
Alfa Bank	"Optimum"				Free service with a salary of 20,000 rubles	No commission and restrictions on cash withdrawals from partner banks	Up to 50% when paying in restaurants
Citibank					Free when earning over 80,000 rubles (or 250 rubles per month)	Cash withdrawal through third-party ATMs - 1% (at least 100 rubles).

Advantages and disadvantages of plastic for wages

Provided at work or issued independently at the bank, plastic for calculating earnings has many advantages in the form of interest accrued on the balance and a convenient way to store money. That is why the majority of enterprises in Moscow and other large cities have long made a choice in favor of this banking product. If we talk about the shortcomings, then these will be the “cons” of modern plastic proposals in general - this may include:

• high annual maintenance fee;
• low interest rate (compared to savings offers in the same banks);
• high commission at third-party ATMs and for interbank transfers.

Video

An organization that carries out cashless payments with employees enters into an agreement for the maintenance of salary accounts with a bank of the choice of the employer. Many people have a question: how to get a Sberbank salary card.

Design methods

• accounting is handled. Employees bring a photocopy of the passport and write an application to the organization. The data is entered into the general register and transferred to the bank branch. After 14 days the employee comes with a passport to the indicated branch and picks up the card on his own ().
• the employee can open in the bank himself. To do this, you must definitely take a certificate from the organization stating that you work at this enterprise, indicating the number of the salary project. identical for all Sberbank products - maximum 14 working days
• if you already have a card in Sberbank, you can not open a new account, just take a certificate from the organization stating that you are an employee, indicate the number of the salary project, and the bank employees will transfer it to the status of a salary with the acquisition of all the benefits

Benefits and benefits of Sberbank customers

Types of salary cards of Sberbank

• Visa Classic
• MasterCardClassic
• Mir (Russian payment system)

For managers, it is planned to open cards of an increased status - Gold, in some cases Piatinum. Any other employee can receive them, but you will have to pay for the maintenance personally - 3 thousand rubles in year.
— 3 years. In case of loss, it can be reissued at any branch. Classic reissue cost - 60 rubles, Gold- for free. Production time, like new ones, is up to 14 days.

The Bank has the right to unilaterally change the service tariffs, of which it is obliged to notify the client. Information can be communicated in several ways:

• sms notification
• email
• news on the main page of your personal account
• information at the bottom of checks from ATMs and terminals

Additional services for Sberbank clients

The most profitable salary projects from