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 finance to a payment card.
Sberbank's salary project is a contract between two organizations. On the one hand there is a banking structure, on the other there is 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, a new section is activated in your personal account.
To test the service, two experimental transactions are performed.
Cooperation between legal entities and individual entrepreneurs with Sberbank makes it possible to use such proposals:
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 the turnover of funds and the activation of additional services.
If a company employee wishes to receive an individual card, then the fees for it will be explained personally by a bank employee.
The law stipulates that an individual entrepreneur cannot pay his own wages. Often, setting up a service for crediting wages is a tool for transferring funds from an individual entrepreneur 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%.
Banking transactions are 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».
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. There is no need to carry a large amount from the bank to the organization, ensure its safety and organize the issuance to employees.
Remains with the accountant payroll, working with taxes, preparing statements for the bank. According to the payroll data, funds are transferred to employees’ payment cards.
For representatives of 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:
Business accountants have another advantage. This is an opportunity to transfer funds independently through your personal account. 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.
A Sberbank card is profitable and convenient for both corporate clients and 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 on individual terms.
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The undeniable advantage of Sberbank is its Internet services for legal entities 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.
Concluding a salary project agreement with Sberbank involves connecting the company to a remote banking system “ 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:
Sberbank’s salary project for employees of a legal entity has its advantages:
Mortgage rates Credit card rates Consumer loan rates Tariffs for bank cards
The salary project allows you to get a consumer loan without leaving your 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.
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.
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 generate a 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 Visa, MasterCard and MIR payment systems.
The package of documents required for the procedure for registering a Sberbank salary project includes:
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.
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.
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:
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.
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 |
| 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 of the bank and 15 million rubles for the Moscow region |
| 10 thousand rubles per month. |
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:
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:
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.
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 |
| 0-3 000 | |
 | Visa Platinum |
| 0-10 000 | |
 | Visa Classic / MasterCard Standard |
| 0-900 | |
 | WORLD Classical |
| 0-750 | |
 | Visa Classic Aeroflot |
| 450-900 | |
 | Visa Gold Aeroflot |
| 0-3500 | |
 | Visa Classic “Molodezhnaya” / MasterCard Standard “Molodezhnaya” | Visa Gold “Give Life” |
| 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. Certain types of plastic appear during promotions. The current list of cards and tariffs for them can be found on the official website of Sberbank.
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.
You can also watch the video from the Sberbank for Business channel about the benefits of Sberbank’s salary project.
Sberbank's salary project is a very convenient tool that allows enterprises and organizations to pay their employees wages to a bank card of the largest Russian bank.
Companies that have chosen this tool from Sberbank significantly simplify the procedure for paying employees salaries. To do this, you should conclude an appropriate agreement with the bank, and no difficulties should arise here, because the scheme for concluding the document is simplified to the maximum: it, in particular, even provides for the possibility of online contacting any of the Sberbank branches.
If an enterprise or company has previously collaborated with Sberbank, then in order to join such a convenient toolkit as a salary project, it will be enough to submit the appropriate application. If the company that liked the project has not previously cooperated with the bank, then it will be required to provide a full package of documents.
In most cases, the financial institution reserves the right to change existing options or introduce new ones without entering into any additional agreements. However, in practice, the bank still informs clients about such changes, at least in the form of an email or SMS message.
After successful completion of the contract registration procedure, the next stage begins, at which the company and the bank arrange for employees to receive debit cards and open bank accounts. Employees of large enterprises receive cards directly at their place of work, while employees of small companies will need to visit the bank, however, this will not take much time.
The instructions for accountants, created by Sberbank specialists to make using the salary project tool even simpler, explain in detail how to carry out this or that operation. To put it very briefly, the process looks like this:
The advantage for a company that has chosen the Sberbank salary project is significant savings in funds previously spent on cashing out money. In addition, there is no need to count large sums of cash every time a salary is issued, which also attracts unnecessary attention from the criminal world.
Moreover, a large organization even has the opportunity to request the bank to install an ATM in the office or on its own territory, through which its employees can cash out money received on the card. This solves the problem of long queues that previously lined up at the cash register on payday, because employees can withdraw funds on any other day or even use the card to make non-cash payments. Small companies receive tangible savings for them, because a cashier responsible for material assets is no longer needed, which means they can save on wages.
All the work of the accountant will be reduced here only to the correct calculation of employee salaries, sending the corresponding statement to the bank, and transferring a single amount to the financial institution.
It is also worth noting such a moment as registration with Sberbank Business Online. Having done this and choosing a salary project, the company gets the opportunity to remotely submit registers to a financial institution and control the situation under a single account: in other words, the entire interaction process is transferred to the virtual space, and a physical visit to the bank no longer becomes optional.
In addition to the company, employees also benefit from participating in the salary project of the largest bank in the Russian Federation. Firstly, they receive bank cards of an international format, that is, they can use it outside the Russian Federation. In addition, it is possible to carry out various financial transactions using the card remotely. However, these are not all the advantages, because with a Sberbank card you can:
It is also worth noting such an important point as the security of your funds. Even if you lose your wallet, you do not lose anything financially, since the bank card is blocked by the bank, and, accordingly, all the funds that were there will continue to remain in the account - no one else will have access to them. And finally, such a pleasant moment as the rate of income - you are required to transfer funds to your savings account, where they gradually increase.
By receiving wages on a card, employees save their time. After all, as mentioned above, you no longer need to wait in line at the treasured window with the inscription “Cashier”: the money is simply credited to your account, after which you can use it at your own discretion - withdraw it on any convenient day, pay utility bills, pay for Internet, top up your balance on your phone. In fact, there are a lot of options, because a Sberbank bank card opens up very wide opportunities, making the life of its owner more comfortable. You should also remember that Sberbank bank cards are serviced by all financial institutions in the Russian Federation without any commissions.
Almost any company can apply to participate in the salary program of the country’s largest state bank. Previously, cooperation with small companies was uninteresting for banks - bankers focused all their efforts on working with large holdings, but now priorities have changed, and today even a company with a staff of several dozen people that pays wages officially can join the project.
To summarize, I would like to note some other points, such as, for example, the overdraft provided for in the Sberbank salary project. The usage rate here is 20 percent, and in case of violation of payment terms, a 40 percent penalty is imposed. For organizations, monthly servicing of cash settlement services will cost 3.5 thousand rubles, while there is no monthly fee for annual servicing of an account by a financial institution.
An employee, in case of dismissal from the enterprise where he received a salary card, can refuse it - to do this, he should contact the relevant department of Sberbank. But there is a second option - the card can continue to be used, only its owner will have to contact the bank to change the tariff plan to a standard one, since now it will no longer be the company, but himself, who will pay for its service.
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
The benefits for various organizations and businesses are as follows:
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:
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.
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:
As soon as the documents are issued, the institution receives a personal manager - a specific bank employee who will process the 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:
The requirements are:
The employee register in the project under consideration has the following lines:
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:
What points must a client – a legal entity – take into account when concluding an 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.
Sberbank occupies a leading position in salary projects. In this area, he cooperates with more than 450 thousand corporate clients. Among the main advantages of this product, users note the ease of creating a salary register and the minimum time for crediting funds to employee cards.
A salary project in SBBOL is a bilateral agreement between a legal entity or individual entrepreneur and a bank, according to which one party undertakes to provide a register for crediting wages and other payments, and the second - to timely transfer funds to the recipients' accounts. The operation is carried out remotely. The maximum time for crediting money is 90 minutes; in practice, this procedure takes about 10 minutes.
The salary project can only be connected to clients working in the Sberbank Business Online system. After concluding a contractual relationship, a new section is created in the client’s personal account. To confirm the functionality of the service, 2 trial transfers are made for a minimum amount.
Provided to clients on a paid basis. The SBBOL tariff depends on the size of the monthly wage fund, which is planned to be transferred through the online service. So, if the total amount transferred to employee cards is up to 400 thousand rubles, then the fee is 0.4% of the amount. From 400 to 600 thousand rubles - 0.3%, from 600 thousand to 1 million rubles - 0.2%, over 1 million rubles - 0.1%. When expanding cooperation with the bank (purchasing additional products), the service can be provided free of charge, regardless of the volume of transfer. Under standard conditions, withdrawing money from a current account to pay wages is subject to a commission of 0.7% of the amount.
Detailed instructions for working with a salary project in Sberbank Business Online are presented on the bank’s official website. To create a register for the payment of remuneration for labor to employees, you need to complete the following steps:
Log in to your SBBOL personal account, go to the “Payments and Transfers” section, select the “Payroll” subsection.
Edit the register (select a debit account, type of credit (salary, advance payment, vacation pay, financial assistance, other payments), contract number (uploaded automatically), contact person making the payment, period).
Activate the “Add” option, go to the “New position for payment” section, enter the required details (full name of the recipient, card account number, transfer amount), click “Save”.
To transfer payments to employees who were previously entered into the register, you must go to the “Select from directory” section. In the window that opens " Sberbank business online» All employees will be indicated, all that remains is to select the recipient of the funds.
When the system processes a statement, 4 statuses are possible:
To create a register as part of a salary project, it is not necessary to log in to Sberbank Business Online. This file can be prepared in 1C and uploaded to the system if integration is configured between programs.
A salary project is an excellent solution for business, allowing you not only to save on fees for transferring funds, but also to increase employee loyalty.
