In the article, we will consider the conditions for connecting a salary project in Ak Bars Bank, we will analyze the tariffs for employees and the benefits for the company. We have prepared the procedure for submitting an online application and collected feedback from the bank's customers.
Conditions of the salary project in Ak Bars Bank
Ak Bars Bank offers to automate the payment of salaries to your employees using. The term for transferring funds to employees' accounts is 1 hour. For the management team, the bank issues premium cards, which the courier will deliver to your office.
You can ask your personal manager any questions about the salary project. The exchange of documents (registries) is carried out in electronic form using the Orion program. At the same time, the size of the commission for crediting funds to cards is set individually.
Benefits and rates for employees
Employees participating in the payroll project can receive additional income at the expense of cashback on the card and interest on the balance.
They also have the following benefits:
- Control in cash through online banking.
- Payment for travel to public transport with a discount through the application "Convenient travel".
- Preferential terms of crediting.
Cards can be issued according to 4 tariff plans, while annual maintenance cards are free.
How to apply online for a salary project
You can apply for a salary project through the bank's website. It must indicate the full name, telephone number and TIN of the organization / individual entrepreneur. During the day, a personal manager will contact you to agree on individual conditions and make an appointment. Then it remains to sign an agreement with the bank and order cards for employees.
Agreement with Ak Bars Bank
Payroll project connected on the basis of a contract. Consider its important points:
- Files (registries) for transfer to the bank must be generated using the Orion program.
- Salary payment is carried out on the basis of the register, after receipt of money to the account in Ak Bars Bank and payment of commission in accordance with individual conditions salary project.
- You must notify the bank when the personal data of any employee changes.
- Ak Bars Bank does not calculate or pay personal income tax.
- If the amount in the register and in the payment order there is no transfer of salaries to employees.
Natalia Ionova
General Director of LLC "CIA F Group"
The Bank of Russia strengthens control over professional participants in the securities market
Professional Members financial market since last year, they have struggled to master new ways of accounting and reporting in accordance with the Unified Chart of Accounts and Industry Standards accounting(OSBU), as well as reporting in a single electronic format, established central bank Russian Federation.
Albert Koshkarov
Banki.ru columnist
Why does an investor need GDP
In Russia, a new fashion is to revise the established economic concepts and techniques. Is all this statistics really necessary if many of us have long doubted the official data?
Andrey Khoroshilov
Catching two birds with one stone: Will small business fund insurance help both small businesses and regional banks?
From 2019, small business bank accounts will be insured - just like accounts individuals and individual entrepreneurs in the amount of up to 1.4 million rubles. Skeptics say that this will increase the burden on banks, optimists - which will reduce the risks of an outflow of funds from small banks and create a real safety cushion for micro and small businesses
Andrey Khoroshilov
Commercial Director of the European Legal Service
Why Russians are in no hurry to take biometrics
Almost six months after the launch of the Unified Biometric System (UBS), there are only a few thousand templates in the database for the entire vast country. Why are neither banks nor their customers fleeing to a brighter digital tomorrow?
2 Alexander Mamonov
CEO MFC "City Savings Bank"
How not to fall for the hook of financial scammers on New Year's holidays
During the period new year holidays number of fraudulent activities different kind and the level increases by an average of 30-40% compared to other days. From year to year, the statistics practically do not change. This is not surprising: the Russians are resting and becoming less vigilant than financial scammers are ready to use with lightning speed.
Tatyana Zharkova
Managing Director of the FinTech Association (AFT)
"Bank for those who hate banks": the open future of the banking industry
The digitalization of the financial market is changing the business processes of banks and their approaches to customer service. Before our eyes, familiar banking products are turning into flexible services available 24/7, which can be used from anywhere in the world. This became possible thanks to the use of the concept of Open Banking and open programming interfaces (Open API). How it works in different countries world, and will Russia go a special way?
1 Igor Moiseev journalist
Ordered salary
Closer than your shirt to your body and more expensive than the fate of dollar settlements in our country can only be a salary. Therefore, it seemed strange to me that the news about a possible reform of the so-called salary projects in terms of their servicing by banks went almost unnoticed.
Bars Bank is one of the twenty largest banks in Russia, is one of the largest banks in the Republic of Tatarstan, offering an extensive branch of various banking products. Including the issuance of plastic cards. Ak Bars cards are issued in forty varieties and are able to meet the needs of all segments of the population.
Card types
Bank Ak cards are offered in four directions according to the characteristic features of the destination:
- - one of the most common types of cards, more often opened as part of a salary project, for the monthly transfer of pensions, benefits. It is a connecting link between the client and the bank, provides access to personal account, makes it possible to dispose of personal savings and savings within the existing balance of funds.
- credit- a type of card that is gaining popularity, relegated to the background consumer loans. A credit card allows, within the established limit, to use the bank's funds.
- prepaid- the name speaks for itself - with a prepayment. Unlike debit and credit card, is not tied to the client's personal account, but is directly a place to store funds. It is not identifiable, it is issued without reference to the client's passport data. It is subdivided in turn into replenished and non-replenished. Non-replenishable - one-time transfer of funds in the desired amount, completely anonymous. Replenished - is linked to bank account only by card number, makes it possible, as necessary, to replenish the account within the established limit. It is convenient to use for payments and the Internet network, ensuring the security of personal data, present as a gift.
- virtual- respectively, does not exist in physical form, only in electronic form and allows only payments on the Internet. It is also possible to issue a card remotely, via the Internet.
Card statuses
Ak Bars is one of the banks focused on meeting the needs and wishes of customers. Depending on solvency money turnover according to the client's personal account, without delay, the cards are divided into such as:
- classical- a standard, budget option with a low annual cost of maintenance and an optimal set of functional banking programs.
- instant release- extradition unnamed card with a minimum amount of time to complete it.
- premium- a card that has priority service with extended functionality and special privileged conditions.
Depending on the type of card and its status, Ak Bars Bank cards are issued for a period of validity from 1 to 5 years, with an annual service fee from 300.00 rubles to 800.00 rubles. The maximum amount of cash dispensed at an ATM per day can be from 15,000.00 rubles to 300,000.00 rubles.
Loyalty programs
AK Bars fan card
Today the bank offers unique Additional services, in the form of bank loyalty programs:
- transport application- two in one, a transport card is connected to the bank card, which is used to pay for travel in public transport, after which there is no need to monitor the balance of funds and replenish transport card, the fare will be deducted from your bank account. Provides comfort and ease of movement around the cities of the Republic of Tatarstan.
- company friend– thanks to the association of more than three hundred partner organizations, it is possible to use preferential prices in more than five hundred restaurants and cafes, entertainment centers and shops, gas stations and car washes, medical centers and beauty salons.
- loyalty app "My family"- the application allows you to receive, accumulate bonus points, making purchases in ESSEN hypermarkets and paying with accumulated points in the future, also gives you the opportunity to buy certain goods at special discounted prices.
- Ak Bars Online– register a personal account on the bank’s website, through which you get the opportunity to manage banking products. No additional costs, usage fees personal account not charged.
- "SMS-Banking" service– allows you to control your accounts using the phone and the Internet, make transactions with funds, manage and analyze all account transactions, receiving SMS notifications on cellular telephone, email.
- contactless payment for purchases- after installing a special application on mobile device, the bank card is also in the phone! Now, to pay, it is enough to bring your cell phone closer to the reader and dial the PIN code if the amount of the purchase made in the Russian Federation exceeds 1,000.00 rubles.
- the possibility of recording tickets for the matches of HC "Ak Bars"- a special, unique offer for fans of the AK BARS hockey team. The card turns into a pass to the home games of your favorite hockey players, and also allows you to watch the course of training sessions, getting the opportunity to attend them, attend solemn events on the occasion of the opening, closing of the season, and many other events, personally follow the news happening in the team.
- do good- every day, paying for purchases in the usual way using the Ak Bars card, together with the AK BARS CREATION charity foundation, you become a participant in a charity event within the framework of the Do Good project, you help families who are faced with a terrible illness and have seriously ill children. The bank transfers the funds donated by you, and together you give children hope for recovery.
- loyalty program from PJSC "Ak Bars" Bank– to borrowers of the bank's credit funds, who have formed a positive credit history during their use and participants in the salary project, in case of receipt of wages on the salary card at least three times in the last six months, the bank provides a discount on its newly offered services.
- ISIC loyalty app– connection to the international program ISIC (International Student Identity Card), the card is the key confirming the status of the client and enables students to receive discounts and privileges in more than 130 countries of the world. There is an opportunity to raise one's cultural level by visiting museums, theaters and galleries for free. Opportunity to receive discounts various fields services: visiting cinemas, deciding to have fun in clubs and entertainment centers, in water parks, having a snack in a cafe or restaurant, but simply shopping in stores and ordering delivery of goods via the Internet, upon receipt additional education you can also save on the privileges provided to attend a variety of courses, trainings, master classes.
- campus application- a campus is a separate territory owned by an organization, with closed access to outsiders. The campus application aims to strengthen access control and improve the security of attendance at general education educational institutions, hostels. Firstly, the bank card is used as a pass, and secondly, it allows you to make, pay, use the services provided by libraries, canteens, canteens of these educational institutions.
- IT park– within the framework of the All-Russian development program in the field of high technologies in the territory of the Republic of Tatarstan, a newest park information and communication technologies. On the territory of which there are many objects creating an IT infrastructure. The unique product of Ak Bars Bank's IT park already today allows the use of all the advantages of payment systems on the basis of one plastic card focused on the needs of Technopark residents.
- student card- in terms of functionality, it is similar to a campus card, but with a prepayment, without linking to a bank account. Unlike the standard format of a plastic card (a rectangle measuring 53.98 by 85.6 millimeters), it is designed in the form of a bracelet with a dedicated place for a card with full name. student, cardholder.
- mobile app"SMS bank"- an application for most types of modern gadgets after installation, which opens access to a bank account and it becomes possible to make cash transactions within the available balance.
So, AK Bars Bank cards are a unique product developed based on the interests of customers with introduction into all major areas of life. The main advantage in combination with the standard bank card, transport, bonus card, an electronic pass, which makes the card indispensable and universal. New technologies ensure the safety and speed of all transactions. Possibility contactless payment purchases, services eliminates the need to carry a card with you, and therefore eliminates the risk of losing it. An important aspect is a wide service network, there are more than 860 cash points in Russia.
- Cards for employees of the company are issued in a short time.
- The salary is credited to all employees at the same time, regardless of their location.
- Legal costs are reduced. individuals and individual entrepreneurs when working with cash.
- Fast transfer of salaries to employees' cards - up to 1 hour after the bank receives the register and payment order.
- Optimization of the accounting workflow.
- Convenient payroll software.
Tariffs for the salary project for legal entities and individual entrepreneurs
Legal entities and individual entrepreneurs do not pay a commission for connecting a salary project. The fee for issuing cards and for salary transfers is set individually.
Benefits of the payroll project for employees
- Saving time - cards are issued on the territory of the organization.
- Low interest rates on loans.
- A free internet bank and mobile application that allows you to send transfers, pay for cellular services, utilities, the Internet, and make account statements.
- Up to 5% is charged on the balance.
- Free cash withdrawal from ATMs of Ak Bars Bank.
- All cards are equipped with contactless payment technology.
- SMS informing about card transactions.
- Reduced fares in public transport in Zelenodolsk, Almetievsk, Naberezhnye Chelny, Nizhnekamsk and Kazan when paying through the Convenient Travel app.
- 24/7 hotline to resolve card issues.
Salary cards of Ak Bars Bank for employees
The bank issues 9 types of cards for employees of the company:
- Evolution Map- a platinum card with the possibility of free withdrawal up to 50 thousand rubles. at any ATM in Russia. Cashback up to 1.25% from all purchases and up to 7% on the balance is accrued, you can receive discounts from Visa. The card is serviced free of charge with a monthly receipt of 10 thousand rubles. or purchases in the amount of more than 20 thousand rubles / month. In other cases, service - 79 rubles / month. (first 2 months free).
- Ak Bars Premium— status card with special privileges: concierge service, Priority Pass with access to airport VIP lounges, interest-free withdrawals up to 100 thousand rubles. at any ATM in Russia, accrual of miles for purchases, insurance for traveling abroad, as well as the possibility of obtaining legal advice. There is a free SMS service. The card is serviced free of charge for purchases over 60,000 rubles/month, daily balance on the card over 200,000 rubles. or with a balance on all accounts of 2 million rubles. Commission in case of non-fulfillment of conditions - 2,500 rubles / month. (first month free).
- Visa Platinum. Personal discounts from Visa all over the world are provided. Cash withdrawal limits - up to 300 thousand rubles per day and up to 9 million rubles per month. In emergency situations abroad, you can block the card, order a new one and receive it within three days. There is a free SMS service. The cost of the card is 7,000 rubles/year.
- Visa Gold Card. With a balance of 100 thousand rubles. accrued up to 5% per annum. In emergency situations abroad, you can use the services of cash withdrawal and card blocking. Free SMS-informing. Maintenance - 3,000 rubles / year.
- Generation Map- a card with a return of up to 10% on purchases in the "Transport" category, 5% in the "Entertainment" category and 1% for other purchases. You can withdraw cash for free up to 50 thousand rubles at any ATM in Russia, for a balance of up to 100 thousand rubles. 5% per annum is charged. The cost of the card is 149 rubles per month. The card can be free for monthly purchases from 15 thousand rubles.
- Classic Visa, Mastercard and MIR- suitable for daily purchases and payments on the Internet. Monthly you can receive up to 5% on the balance of 100 thousand rubles. Maintenance - 800 rubles / year.
- Unembossed cards. Cards with a minimum maintenance cost - 300 rubles / year. There is no first and last name on the card, so you can get it right away.
Payroll project management of AK Bars Bank via the Internet: ORION program
To work with a payroll project, Ak Bars Bank has separate program"ORION", to enter which you need to enter a username and password. With the help of the program, an individual entrepreneur or a limited liability company can remotely transfer information to the bank: registers for crediting salaries, for opening accounts and issuing cards to employees, information about changes in passport data of employees and about dismissals.
How to draw up a salary project in Ak Bars Bank
A legal entity can leave an application on the official website of the bank, indicating the name, phone number, TIN of the company and the region of application. During the day, a specialist will call and set a time for signing the contract.
Since April 4, 2011, AK BARS Bank has been running a loyalty program, according to which customers with a positive credit history and holders of the Bank's payroll cards can receive discounts on consumer loans, car loans and mortgages.
You are eligible for a discount if:
― you have a positive history in AK BARS Bank or any other bank;
― or you receive wages on the AK BARS Bank card.
Discount sizes
Loan programs
| Discount for customers with a positive credit history
| Discount for holders salary card AK BARS Bank
|
Customer credit: ― Consumer credit ―Credit secured by real estate
|
| 0,5%
|
Car loans: ―"AK BARS - Maximum" ―"AK BARS - Pro" ―"AK BARS - Cruise" ―Auto loan with government subsidies
| 0,5%
| 0,3%
|
| ― AK BARS – Megapolis ―AK BARS – Business ―"AK BARS - Perspective" ―"AK BARS - Comfort"
| 0,5%
|
|
The amount of the discount is deducted from the current loan rate. Discounts also apply to programs with life insurance and disability of the borrower.
You have a positive credit history in AK BARS Bank
Clients with a positive credit history in OJSC AK BARS BANK within 5 years prior to applying to the Bank for a discount are entitled to receive a discount.
To confirm the presence of a positive credit history in the Bank, it is necessary to provide statements on the loan and interest accounts for the loan(s) obtained from OJSC AK BARS BANK.
Do you have a positive credit history with another bank?
Clients with a positive credit history in other banks within 5 years prior to applying to the Bank for a discount are entitled to receive a discount.
To confirm a positive credit history, you must provide one of the following packages of documents:
- copy loan agreement and a loan account statement (instead of a loan account statement, it is allowed to provide a certificate from credit institution on the amount of debt and the absence of overdue payments for the entire period of lending), certified by the signature of the head or authorized person and the seal of the credit institution;
― An official document (certificate or credit report) from the credit bureau (prepared by the Bank independently).
In the event that there are established contractual relations between OJSC AK BARS BANK and the credit history bureau, which stores information about the client's credit history, the request and receipt of information about the presence of a positive credit history of the client in other banks can be carried out by the territorial division of the Bank independently.
What is a positive credit history?
The bank recognizes the credit history as positive if:
a) payments on principal and interest were made (are being made) on time and in full;
b) there is a case (there are cases) of overdue payments on the principal debt and (or) interest during the last 180 calendar days with a duration (total duration) up to 10 calendar days inclusive.
You have a salary card of AK BARS Bank
Discounts are provided to customers holding a payroll card of AK BARS Bank, while the card must meet the following requirements:
1. The salary card must be valid at the time of applying to the Bank for a discount.
2. At least 3 wages within 6 months before applying to the Bank for a discount.
