Salary card from Promsvyazbank - possibilities, overdraft, close, activate. How they gave me a “spare wallet” Important details of the service

The bank's card tricks may come as a complete surprise to the client

Photo: Fotolia/Andrey Popov

Promsvyazbank has resumed its card overdraft service for its salary clients. The size of the overdraft limit depends on which segment the client belongs to; the rate is the same for everyone - 22% per annum. The bank notes that this is one of the most competitive offers on the market. Using her own example, the Banki.ru columnist was convinced that some credit institution managers are too aggressive in pushing the service. We talk about our own experience in our material.

How much?

Promsvyazbank has already tried a “salary” overdraft in 2011 and 2013; in the second quarter of this year, the project was resumed in a modified configuration.

“We have made a decision on pre-approved overdrafts to the cards of our “payroll workers.” Now our whole scheme works in segments, the bank evaluates the register deposits that the client had in previous periods, how long he has been working and how often he changes employers. And then the bank offers individual solutions for each client,” says Mikhail Kolomiets, director of credit products and development of customer relationships at Promsvyazbank. - The interest rate under this scheme is quite loyal, it is 22% per annum for all “salary earners”. This is a very competitive rate in the market. Traditionally, overdraft is a product with high interest rates and a complex profile of client behavior from a risk management point of view. Before resuming the project, a separate risk model was developed, which made it possible to offer a good rate to a segment of clients with a low potential risk of default.”

The overdraft agreement is concluded for 50 years. According to Kolomiets, this is a formality that does not have any special sacred meaning and stems from the generally accepted practice in the market of timing the conclusion of card contracts, so as not to renew the contract several times. Plastic cards are reissued every two to three years, while the contract is concluded for a longer period, because the period of stay of clients with the bank is much longer. In different banks, the overdraft agreement is concluded for 20, 30 years or also for 50 years, it depends on the default term used in card contracts, the expert notes.

Currently, closing a salary card automatically means closing the overdraft. However, for the future, we are considering the possibility of maintaining an overdraft for those salary clients who have changed their place of work, but have proven themselves well, left the PSB card in use and transfer funds to it monthly.

“The decisions we give on overdrafts are not based on the clients’ applications themselves, but on the pre-approved decisions of our bank, that is, PSB considers in advance and offers a service already agreed upon within the bank,” Kolomiets clarifies.

The bank also offers a credit card with free servicing at a rate of 25.9-29.9% per annum for salary clients of the bank. The advantage of such a card is a larger credit limit and the availability of additional options. The advantage of an overdraft is the commission-free withdrawal of cash by card at the ATMs of Promsvyazbank and its partners (about 11 thousand ATMs throughout Russia).

You can currently activate an overdraft at the bank office. The expansion of channels for connecting this service to ATM, call center, and Internet banking is in the process of implementation. It is assumed that when connecting via a remote channel, the rate will be lower. You can now disable the overdraft at the bank office or by calling the call center.

“If you do not have enough funds on your salary card for the necessary purchase, then with an overdraft enabled, the bank will automatically provide you with the missing funds when completing the transaction. It doesn’t matter how much money you withdraw, the interest rate will apply to the entire overdraft limit specified in the agreement,” Kolomiets points out. - Next, the next time funds arrive on your card, all overdraft debt is initially repaid automatically. Since the overdraft limit usually does not exceed 30-50% of the salary amount, the client will not be left in the red in any case.”

Loans separately, salaries separately

Every month, starting in March 2015, Banki.ru analysts have been monitoring the average interest rate for both non-target consumer loans and credit cards.

According to Elena Sudarikova, head of the credit product analytics sector at Banki.ru news agency, for cash loans at the beginning of March the average rate was slightly more than 36% per annum. It gradually decreased following the key rate of the Bank of Russia. But its most dramatic changes occurred in June - July, when banks adjusted their programs in accordance with the restrictive requirements of the Central Bank, which came into force on July 1, 2015. Then the rate on cash loans decreased by 2.5 percentage points. In October, this figure was 30.91% per annum.

“For credit cards, including debit cards with overdraft, most banks resumed their programs and established current tariffs in March - April of this year. The average rate on cards began to gradually decrease in June from 32.7% per annum. As of October 5, 2015, its value was 30.69% per annum,” says Sudarikova.

As the large banks we surveyed note, recently they have deliberately “separated” the borrowed funds of payroll clients from the corresponding cards.

“Payroll clients of B&N Bank can apply for a credit card with free service. Loan rates will be lower than for “external” clients. We deliberately took exactly this path, analyzing the behavior of clients and their needs,” comments Pavel Kravchenko, director of the department for the development of card products and technologies at B&N Bank. - The result of the study was a clear understanding that clients want to divide financial flows into “targeted transfers” and “credit funds.” In this case, the client clearly understands by what means he pays in the store. This scheme also makes it possible to reduce your monthly credit card payments as much as possible. In addition, having two cards is safer (different PIN codes, CVV, etc.).”

Alfa-Bank offers salary clients the sensational “Gemini” card - a debit card on one side and a credit card on the other. The card is provided to new “salary earners” of the bank. The initial lending limit is 10 thousand rubles with the possibility of increasing the limit to three salaries within three months.

“Overdraft on VTB 24 debit cards is offered to all partners - payroll clients of the bank. The decision to connect it to a specific client is made by the organization itself, and not by the bank. The overdraft limit is 50% of the salary, the bank notes. - The overdraft rate is uniform and amounts to 28%. The overdraft is issued for an indefinite period. Interest in the service is consistently high. It is used by a fifth of our payroll clients, while at least 40% of those connected to it are active users.”

According to Dmitry Lepekhin, head of the debit product development department at Otkritie Bank, a credit line for salary clients, provided in the form of an overdraft, is not a very convenient tool for clients. As a rule, such programs do not imply a grace period in which interest is not accrued for the use of borrowed funds.

“The debt is completely repaid by incoming salary payments, which means that the client cannot decide for how long he wants to take the money, strictly until the next salary receipt. It is much more convenient to use a credit card, because you have the opportunity to independently decide for what period of time to borrow funds from the bank,” says Lepekhin.

“We have long ago moved from a form of lending in the form of an overdraft to providing our clients with a universal card product “Single Card”, which combined a debit card, a credit limit with a grace period and a bank deposit. Unlike overdraft, the “Unified Card” has become a more convenient and high-tech payment instrument. It allows you to use your own and credit funds, replenish your deposit and withdraw interest, as well as save money on the cost of issuing and servicing additional cards. An undoubted advantage for clients was also the availability of a grace period of up to 55 days,” said the Moscow Credit Bank.

Personal experience

I have been a payroll client of Promsvyazbank for several years, and I have not had any problems with the credit institution. However, in the last two months, the bank manager started calling me. She asked me to come to the Oktyabrsky additional office, where I had my card open, to scan my passport to confirm my personal data. In the first two weeks of October, calls from account manager Elena became especially persistent.

I tried to find out why none of my colleagues participating in the same salary project receive calls with similar requests, what is the reason for the need to confirm my personal data, why the personal manager allocated for our project cannot come to our office to confirm this data. It was not possible to obtain truly reasoned answers. The only more or less understandable answer sounded like “When scanning remotely, the passport is scanned unclearly, and it still has to be rescanned in the office.”

However, when, after Elena’s telephone onslaught, my visit to the additional office did take place, I began to suspect that the purpose of the visit was not to confirm the data.

The manager scanned my passport, explaining that “client databases are being reinstalled and because of this, some clients are “lost” in the system,” and said that the “Spare Wallet” service is now being connected to each salary client in test mode. She emphasized that this was a service and that it was free. Notified me that an overdraft would be activated on my account. I did not like it. Moreover, Elena indicated that the service is automatically activated for all payroll clients.

I asked to print out some materials about the service so that I could read about it, since it will be activated automatically. As printouts, I was given - I was hardly even surprised - “Application for granting a consumer loan with a credit limit (establishing an overdraft limit)” and “Individual terms of a consumer loan agreement with a credit limit.”

So, I was provided with an overdraft on my card account in the amount of 30 thousand rubles for a period of 50 years at a rate of 22% per annum.

“The borrower is obliged to repay the principal debt by paying a minimum monthly payment of 5% of the principal amount no later than the seventh calendar day from the end of the payment period,” read the documents handed to me. - If there is an overdue debt regarding the principal debt, the borrower pays the bank a fine for failure to comply with the repayment deadlines for the principal debt. In the amount of 20% per annum of the amount of overdue debt on the principal debt, if interest was accrued for using the loan during the period the borrower violated obligations, and in the amount of 0.1% of the amount of overdue debt, if it was not accrued.”

In response to my reasonable question, where in at least one document does the name of the “Spare Wallet” service appear, the girl manager began to smile and answered that this is the internal name of the service. When asked why on earth they are trying to impose a consumer loan on me, she began to giggle and fervently explain how she hates these incorrect forms of contracts that are drawn up incorrectly, because of which she has to chew everything out to clients again and again, and that this is not a consumer loan, but a service for the use of which you will have to “pay literally six rubles” (but just now it was free, according to the same girl).

Experiencing extremely bad feelings, I calmly informed the girl that I am a financial journalist for the Banki.ru portal, I know how an overdraft works, and I understand this kind of agreements. The innocent youth representative assured me that she knew where I was coming from. Then I asked if it was possible to refuse the service. Elena blinked her eyes in surprise and said that she had already connected it to me: “After all, you asked to print out the documents for you.” By the way, I still have the documents. There are Elena's signatures there - and not a single signature of mine. That is, they connected an overdraft to my card without properly executed documents for this, without a single document signed by me.

I asked to turn off the service, but Elena said that this could be done through the call center after a month. After much debate, it miraculously turned out that this can be done right now by writing an application to reduce the overdraft limit to zero. An interesting detail: I received an SMS stating that my limit was zero rubles, but I did not receive the fact that it was connected and amounted to 30 thousand rubles.

While trying to understand the situation with Promsvyazbank, the credit institution stated that the overdraft was a special offer for very good and reliable “salary earners,” and asked me to consider myself one of the most desirable clients, since it was offered to me. They promised to sort out the problem at the highest level and have already involved several departments.

“There was a misunderstanding here, a purely operational error,” Mikhail Kolomiets commented on my situation when I told him my story. - It is clear that in accordance with the registration procedure, the overdraft certificate cannot be activated without your signature on the documents. This product is pre-approved, but this does not mean that it is connected to you without your consent. The implementation of technology for remote self-connection of an overdraft by the client is intended, among other things, to eliminate such operational errors.”

Let's hope that there are really only a few such cases in PSB. However, such experience teaches us: even with a salary product that seems to have no problems, you need to “keep your eyes open.” There can always be a technical failure or a particularly active manager will want to “close” your plan. Therefore, do not hesitate to ask uncomfortable questions if something is not clear to you, and ask a lot of them. Request documents that seem necessary or interesting to you, and read them carefully and completely. And also check to see if you have any additional services connected to your accounts. By the way, if the services are still connected, then “support” the application to disconnect them not only with the signature of the operator who served you, but also with his seal (if any), the seal of the bank and the date. If they do not give you the original, take a copy with the stamp “Copy is true” and the above data.

Promsvyazbank has developed a salary project, within the framework of which all employees of companies that have entered into an agreement with the bank receive salary cards. Salaries are credited to the cards, in addition, they have many privileges and advantages. They can be platinum, gold and standard. The type of card depends on the client category, each with its own terms of service. We invite you to familiarize yourself with the conditions of Promsvyazbank salary cards.

Promsvyazbank has developed a salary project, within the framework of which all employees of companies that have entered into an agreement with the bank receive salary cards. Salaries are credited to the cards, in addition, they have many privileges and benefits. They can be platinum, gold and standard. The type of card depends on the client category, each with its own terms of service. We invite you to familiarize yourself with the conditions of Promsvyazbank salary cards.

Advantages of Promsvyazbank salary cards

Salary cards are bank payment instruments through which employees of partner companies are paid salaries.

For participants in salary projects, cards of three categories are provided. Each category has its own optimal tariffs, a huge number of possibilities, and a convenient way to manage accounts. In addition, card users can always count on quality service. To become the owner of such a card, you need to be an employee of a bank or an employee of a company that has drawn up a salary agreement with this bank. In the first case, you will only need the employee’s passport and an application for card issue. In the second case, the employer company itself will sign an agreement with the bank and issue cards to all its employees on general terms. They will subsequently receive a salary based on them. The card will be issued 21 days after the corresponding application is written. If there are costs associated with issuing the punishment, then the employer will bear them in full.

Standard cards

• Clients have the opportunity to participate in promotions and a bonus system;
• Possibility of connecting to free Internet banking;
• Possibility of obtaining a loan on preferential terms;
• Discounts in more than a thousand stores, including online stores;
• Transfer of money in an amount not exceeding 10 thousand rubles is made without commission;
• If a credit card is connected to a salary card, then its service becomes free for the client.

Gold and platinum cards

• All the above benefits;
• Participation in the bonus program “World of Visa Privileges”;
• Urgent card replacement, as well as instant cash withdrawal abroad in case of loss or theft of the card.

Salary project for companies

The advantages of cards for employees of partner companies were described above. Now it is worth noting the advantages of these financial instruments for the organizations themselves. Individual entrepreneurs, as well as company managers, can apply for them. Especially for them, the bank has developed special conditions and its own loyalty program. They can get a loan on preferential terms or apply for an overdraft. Overdraft is very popular among individual entrepreneurs, as it allows them to obtain short-term loans within the overdraft limit. There are other advantages:

• The card can be managed via online banking, designed specifically for legal entities;
• The card can be obtained by organizations in all regions where Promsvyazbank has an office;
• Any individual design that the customer comes up with can be applied to the card;
• You can choose any type and category of card;
• A large number of ATMs and bank offices throughout the country.

Peculiarities

Experts place Promsvyazbank among the three most reliable and successful banks in our country. His story begins in 1995 and during this time he was able to gain popularity and recognition from many clients. This financial institution has been servicing payroll clients since 1997. Over many years of operation, the bank has created many profitable products and services, including salary cards. Today, Promsvyazbank salary cards are considered one of the most convenient, profitable and multifunctional. The following services are available to clients who have registered them:

• Internet banking;
• Information via SMS;
• Free assistance from specialists;
• Cash withdrawal from a card anywhere in the country without commission;
• Cashless payments in all stores and online sites.

The bank has about 1,300 terminals and ATMs throughout the country, and also has about 100 offices in many cities.

How to activate and close the card

The moment you are given a Promsvyazbank salary card, you become its full holder.

However, at this point it is not yet active and cannot be used. To activate the card, you need to open the envelope with the PIN code. Next, insert the card into the Promsvyazbank ATM and enter your PIN code. If you wish, you can immediately change your password at the ATM to a new combination of numbers that will be more convenient for you to remember. From this moment on, the card will be active. You can activate your card at any convenient time. This procedure will not take you much time. If you still have any questions regarding your salary card, you can ask them to our specialists by calling the hotline 8-800-333-03-03.

If for some reason you need to close your Promsvyazbank salary card, then you need to come to the exact branch where it was opened for you. Next, you should draw up a corresponding application and submit it to the bank manager. Usually, after all the paperwork has been settled, the employee cuts the old card with scissors right in front of the client. This is done so that the client is calm that no one else will use the card except him. Closing a salary card is usually required when a company employee leaves. The employer crosses it out of the salary project, and the card goes into the holder’s use. From this moment on, the “plastic” stops receiving wages. Before closing the card, you need to withdraw all the money stored on it.

Loans from Promsvyazbank can satisfy the wishes of even the most sophisticated client. Thanks to a very wide range of offers, favorable interest rates, flexible conditions and a customer loyalty program, the bank’s credit services meet all the requirements of clients in the banking services market.

Mortgage and consumer loans at Promsvyazbank provide for various situations and needs, due to which the client applies for a loan. Therefore, in addition to simplicity, attractive conditions, speed of receipt and insurance, the borrower has the opportunity to choose the most suitable program for his situation, or entrust this to the bank’s specialists.

The bank not only offers a wide range of profitable loans at good interest rates, all conscientious clients also receive the opportunity to reduce their loan burden in accordance with promotions or special conditions from Promsvyazbank, in cases where unforeseen life situations may affect the borrower’s solvency.

Thanks to a loyal approach and a large selection of credit programs, Promsvyazbank has been successfully operating in the Russian credit market for many years.

Interest rates on loans at Promsvyazbank in 2016

Information about Promsvyazbank bank

Promsvyazbank is a private bank in Russia, which is among the leading banks in the country and is among the 500 largest banks in the world. The bank's ratings are published by international rating agencies. Since 2006, the bank's shares have been owned by a subsidiary of Commerzbank Auslandsbanken Holding AG. At the beginning of 2010, the EBRD became the owner of Promsvyazbank shares. The Bank is a universal bank, providing its clients with a wide range of financial services to corporate and private clients.

The number of bank clients reaches 93 thousand Russian enterprises, the number of borrowers and depositors exceeds 400 thousand people, and the number of plastic card holders is over 1 million. The bank's regional network includes over 290 sales points in the largest Russian cities, representative offices in China, Ukraine, Kazakhstan and India, as well as a branch in Cyprus.

Financial statements Promsvyazbank

Promsvyazbank - ATMs and branches

Deposits in Promsvyazbank

Deposit terms: from 1-3 months to 24-36 months.

Deposit currency: Russian ruble, dollar, euro.

Minimum amounts: Russian rubles from 3000, dollars from 300, euros from 300.

Interest rates: from 0.1% to 8.7%.

Promsvyazbank offers favorable interest rates on all deposits and savings deposits that are available to individuals. Individual conditions, the possibility of using long-term savings programs and high returns make deposit offers very attractive in the banking market.

Bank clients can experience the benefits of service thanks to the wide opportunities provided for deposit owners in Promsvyazbank. Low minimum amounts and terms, reasonable conditions for early termination of the deposit, the possibility of partial replenishment and use of received income at your own discretion force you to pay attention to the offers of Promsvyazbank among other savings programs in the banking services market.

It is important that thanks to the loyal conditions for placing their own savings using deposits in Promsvyazbank, clients can trust their funds, both for the short term and in the long term, not only without fear for their safety, but also being confident in their increase.

Rates and interest on deposits at Promsvyazbank

Overdraft from Promsvyazbank

Promsvyazbank offers its clients an overdraft service to finance short-term transactions, even in the absence of funds in the client's account.

Loan terms are up to 12 months.

Maximum period for maintaining a debit balance: 100 days.

Overdraft is provided in Russian rubles.

Individual fixed interest rate.

Overdraft repayment occurs automatically when funds arrive in the client’s account.

Collateral can be in the form of a car, real estate, or equipment.

The maximum overdraft amount is 300,000 - 22,500,000 rubles.

The overdraft amount is equal to 50% of the average monthly credit turnover on the client’s current account over the last 6 months.