Sberbank salary project: instructions for an accountant. Banking products of Sberbank

You can pay salaries to employees not only from the company’s cash desk, but also by transferring funds to a bank account. Especially for these purposes, credit institutions offer their clients a separate service - a salary project. Its essence lies in the fact that the organization transfers funds in one payment, while simultaneously providing the bank with a statement indicating to whom and how much should be paid.

For whom

Bank salary projects are provided for any organizations that officially pay income to their employees. Today, credit institutions' priorities have changed. Previously, banks did not cooperate with small businesses. Now any organization with at least ten people on staff can join the project.

Conditions

Payroll projects of banks are serviced at preferential rates. Card issuance and maintenance is free. The issuance of funds through the terminals of your home bank within the limit is carried out with zero commission. But the restrictions depend on the type of card with which the salary project is serviced. Sberbank, for example, has set a limit of 50 thousand rubles for Visa Electron and Maestro. and 1 million rubles. for Platinum cards. When withdrawing large amounts, an additional fee is charged. The time frame of the limit is set according to Moscow time and is valid for all regions.

As part of the Sberbank salary project, an overdraft (payment amount in excess of the card balance) is provided with a 20% rate for use and 40% penalties for violation of payment terms. The cost of monthly servicing of cash register services for organizations is 3,500 rubles. There is no monthly fee for annual account maintenance.

Let's take a closer look at how to connect a salary project through Sberbank.

Instructions

To activate the service, you need to enter into an agreement with a credit institution and provide all employees with debit cards. If the organization was previously serviced by Sberbank (opened an account or transferred funds), then it is enough to submit an application to join the project. Otherwise, you need to provide a complete package of documents: application, copy of the charter, certificate from the Federal Tax Service, Pension Fund, signature cards, etc.

Most often, the bank reserves the right to change or introduce new options without concluding additional agreements. But in practice, credit institutions at least inform the client in the form of SMS about changes in the terms of service.

Next, you need to obtain debit cards for all employees at the bank branch. Depending on the terms of the program, the size of the organization and the position of the employee, both Visa Electron, Maestro, and Visa Gold, Platinum can be provided. Employees of small businesses must independently contact the bank to obtain a card. Employees of large and medium-sized enterprises are served by bank representatives right at their place of work.

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The accountant responsible for payroll carries out all calculations in his program (for example, 1C). Next, salary statements are sent to the bank through special equipment installed on a PC:

• via email with a file and electronic signature;
• through the register in the Sberbank Online system.

The credit institution independently transfers funds to employee cards.

Consumer loan

A participant in a salary project has the opportunity to take advantage of a number of bonuses, one of which is a loan for up to 60 months. The maximum loan amount is calculated individually for each client, based on salary, length of service, volume of guarantee and other indicators.

Since the credit institution already has basic information about the plastic holder, applications are processed within a few hours, and the loan itself can be issued directly at the place of work at a reduced rate.

Benefits for employers

Sberbank’s salary project allows organizations to:

• Simplify the payment process. If an organization has connected a payroll project, then the need to recalculate large sums, transport funds from branch to office, and manually pay salaries automatically disappears.

• Sberbank has developed the salary project in such a way that all the accountant’s work comes down to sending a statement to the bank and transferring the total payment amount.
• Order a separate terminal and ATM so that employees can not only withdraw funds, but also pay for services and make transfers right at their place of work.

• The project is very convenient for organizations with a large number of employees. It eliminates the need to store huge amounts of funds in the cash register and line up for workers. Payments are made simultaneously to all employees immediately, regardless of their location.
• The salary project allows small organizations to save on a cashier's salary.

Benefits for employees

1. Cardholders can enjoy all the benefits of plastic cards from international payment systems: manage their accounts remotely via the Internet, participate in promotions and receive bonuses from a credit institution.
2. Save time. There is no need to stand in line to receive your salary. All funds can be withdrawn at any convenient time through any ATM in the country. Salary cards are serviced by all credit institutions in Russia without commission.
3. You can transfer money between accounts, pay taxes, mobile communications, Internet, television, housing and communal services, etc. without commission through self-service terminals.
4. Pay for goods using non-cash methods.
5. Connect to the Mobile Bank or SberbankOnL@yn service and track account movements online.
6. Clients who have been served within the project for more than six months can:

• additionally issue an international payment system card for relatives and connect it to your account;
• use an overdraft;
• get a credit card;
• apply for a mortgage loan at a preferential rate and with a minimum package of documents.

What to do with cards of dismissed employees?

You can hand over the plastic to the bank, including through an accountant at the enterprise, or continue to use it. In the second case, you will have to contact a credit institution and change the tariff plan to a standard one, since the card holder, not the employer, will pay for the service.

Special services

Salary cards are used not only for their intended purpose. For example, plastic holders from Pacific State University not only store funds in the account, but also use plastic as an electronic key. The PNU campus card automates the internal processes of the university. It is used as a pass to the university premises and as a library card.

Offers on the market

After the Russian President signed a law at the end of 2014, according to which employees of enterprises can choose their own bank to transfer salaries, credit institutions began to actively develop new programs to attract clients. The employer has no right to refuse this request. According to Art. 131 of the Labor Code of the Russian Federation, an employee can refuse service through the salary project chosen by the organization (Article 131 of the Labor Code of the Russian Federation).

OJSC Rosselkhozbank offers a salary overdraft. To apply for the service, it is enough to present your passport at any bank branch. Users of the service can at any time receive additional funds in their account in the amount of their average monthly earnings. The limit is calculated in advance for each client and cannot exceed 1 million rubles.

VTB24 offers holders of salary cards preferential property insurance programs with a discount of 10% to 15%. In addition, there is a list of partners, when paying for goods with a non-cash payment, the client receives bonuses on the card in the form of a refund of part of the funds. The number of points assigned also depends on the specific store and the purchase amount.

"RSB" charges 10% on the balance of own funds on the salary card. In addition, money can be withdrawn from the card without commission at all ATMs in Russia. Renaissance Credit OJSC offers similar conditions to its clients.

OJSC Raiffeisenbank offers an individual salary project. Its essence lies in the fact that an employee of the company can apply to the bank for a card, provide the details of the payment instrument to the accounting department, and after two transfers of funds from the organization’s account, receive the status of a participant in the salary project.

Clients of Tinkoff Bank OJSC have the opportunity to withdraw funds from their account at any ATM for 99 rubles without interest. per month. But Aimanibank OJSC has set a limit on interest-free withdrawals from the account within an amount of 3,000 rubles.

Sberbank’s salary project has become the most ambitious among its kind in the country. This is explained both by the extensive network of branches and by the fact that the bank acted as a pioneer, setting an example for other Russian financial institutions. The technology continues to improve, making it easier to conclude contracts with Sberbank clients.

For any legal entity, be it an enterprise, institution, or organization, maintaining accounting records is an important part of its activities. It is greatly simplified if the employee’s wages are issued through the bank. At the same time, the costs associated with the need to make payments are significantly reduced. With the transition to payroll services, it comes down to three sequential processes:

• the required amount of the monthly salary fund is transferred to a bank account opened for the client;
• it is distributed according to the provided statement, entering the card accounts of employees;
• issuance is made through the use of salary cards (for the most part, this method is almost 100% used) or in cash.

Sberbank installs software for its client that allows them to implement a salary project. The use of various 1C configurations makes it easier for accountants to carry out calculations and fill out registers; uploading occurs quickly. To implement the payroll service, the bank issues and distributes the required number of payroll plastic cards to the client company’s personnel.

Various types of product can be used:

• private entrepreneurs;
• legal entities;
• individuals

Conditions and tariffs for individual entrepreneurs

Connecting the Sberbank salary project for individual entrepreneurs becomes a necessity. After all, the Russian Ministry of Finance has repeatedly issued unequivocal explanations regarding the impossibility of independent calculation and payment of wages by an individual entrepreneur.

In the current situation, individual entrepreneurs were able to find some benefit for themselves. When creating a register for recording wages by individual entrepreneurs, the purposes of the transfer are indicated in the form of other payments. Sberbank, serving small businesses, allows individual entrepreneurs to transfer income using salary cards.

Such a little trick as making a transfer from an individual entrepreneur’s account to the card of the individual entrepreneur himself allows you to save a little on the commission amount. The implementation of Sberbank's salary project for individual entrepreneurs without employees allows us to reduce the size of the commission when transferring money to 0.3%.

Conditions for legal entities

Sberbank provides services to almost half a million legal entities within the framework of the RFP. To attract participants, employers are offered to take advantage of exclusive service packages:

This method of service is also beneficial for company employees. And not only because the bank has the largest network of self-service devices and branches in the country. The tariffs for the Sberbank salary project for legal entities and owners of plastic cards are also beneficial.

There is no need to spend money on annual maintenance fees. This allows you to benefit from 450 rubles (for the owner of Visa Classic Aeroflot) to 3,000 rubles for holders of:

• Visa Gold;
• MasterCard Gold;
• WORLD "Golden".

Additional pleasant bonuses are added to this. Using the MIR “Golden” salary card, for example, will allow you to become the owner of 0.5% “Thank you” bonuses with every purchase.

Individual salary project of Sberbank

Any enterprise/institution/organization, concluding an agreement with one or another banking structure, pursues its own benefits. There may also be personal interest on the part of managers. However, their receipt of some preferences from the bank does not necessarily mean that participation in this salary project will be acceptable for the employees themselves.

For one reason or another, someone may enter into an individual agreement, and a new employee, for example, may already have a Sberbank salary card that suits him completely. One way or another, every worker has the right to independently decide through which financial structure to receive their earnings. This may be due to the provision of a mortgage, receipt of dividends, loan servicing and other circumstances.

Service cost

When concluding an agreement, both basic and additional conditions are taken into account that affect the cost of servicing the Sberbank salary project. To do this, you should familiarize yourself with the current tariffs.

Remote service

An LLC that has not previously cooperated with the bank will have to pay for:

• opening a current account, which will cost 960 rubles, and maintenance (650 per month);
• use of an electronic key (for 1,700 - standard, for 2,150 - touch, for 3,990 - with a screen;
• installation of software at the location of your own office and basic training of employees who will have to work with the system (no more than 9,000);
• sending SMS messages to salary card holders with notifications about replenishment of the current account and its balance (80 rubles monthly for each);
• electronic document exchange with third parties (monthly – 295);
• connection to a service that checks counterparties (monthly – 300).

Additional expenses

These include, for example:

1. Charge a fee when cash is withdrawn from the card in excess of the established daily limit.
2. Issuance of a plastic card belonging to the premium segment, for which increased tariffs are established.

Free services

By deciding to activate the Sberbank salary project, the client receives several benefits for which he does not have to pay anything at all. Eg:

• The bank will service the salary card free of charge;
• withdraw cash without commission, without exceeding the accepted limit of at least 50,000 rubles per day;
• replace the card free of charge;
• do not pay for the maintenance of premium service packages “Sberbank First” or “Sberbank Premier”, adhering to the terms of use.

Package of documents for the Sberbank salary project

Before visiting a branch or proceeding with remote registration, you should carefully read the terms and conditions under which the services are provided on the page https://www.sberbank.ru/common/img/uploaded/cards/zp/usl_zp_s_050318.pdf.

After this you can go to:

• filling out an application form;
• providing copies of statutory documentation (if the company has not previously cooperated with Sberbank);
• concluding an agreement for the provision of services;
• filling out a register containing information about employees to whom wages will be transferred (a sample is available on the official banking website).

Agreement for the Sberbank salary project

Having independently figured out the tariffs for the Sberbank salary project, an individual entrepreneur or the head of an enterprise/institution/organization can also call the hotline (or the personal manager assigned to such clients). The specialist will provide all the required information; from him you can get an intelligent answer to questions that arise during the explanations.

The formation of the conditions for the provision of service occurs with an individual approach to each client, taking into account various circumstances and characteristics of the activity. To secure it, a special offer agreement is signed. Sberbank does not enter into agreements with structures that do not have a monthly wage fund of more than five million rubles.

Application for Sberbank salary project: sample and form

To submit an application to join the Sberbank ZP, you must fill out a special form. It is available on the official portal and looks like this:

It is also possible to fill out an online application. For residents and non-residents, it is necessary to indicate the basic details:

• legal addresses;
• contract number;
• the number of employees;
• volume of the monthly wage fund, etc.

Clients who already have a bank account indicate its number.

How to connect a salary project to Sberbank business online

It’s easier to connect to Sberbank’s salary project remotely:

To connect it, you will need to visit a bank office. For clients who will use their personal account, Sberbank has compiled instructions explaining how to carry out certain financial transactions. Activate the PO by filling out a special application.

Cards for the Sberbank salary project

By joining the service, an organization can use any of the offered plastic cards. There is also a service that involves non-standard design of bank plastic, which demonstrates the involvement of its owner in a special business. Many client companies order the production of cards with a unique corporate design. Eg:

How to disable the Sberbank salary project

It happens that you have to refuse the Sberbank salary project. To close it, the financial institution must be notified in advance, in writing or online, no later than 15 business days before the scheduled date.

Summing up: the pros and cons of Sberbank’s salary project

The video introduces the advantages concisely and sensibly

The advantages of salary cards are known to tens of millions of working Russians. In relation to the shortcomings, everyone has the opportunity to choose which bank to receive their salary, taking into account their own motives.

2 comments on “Sberbank salary project – conditions and tariffs”

Hello colleagues!
Are you concerned about LLC “NIPI “NEFTEGAZ” INN 0277904503, we would like to open a salary project in your bank. Please write who you can contact for advice in Ufa. My phone number is 89173468844.

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.

Features of the salary project in Sberbank

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.

Algorithm for creating, editing and sending a salary slip

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:

1. "Accepted by the system." This means that the document has been processed by the bank.
2. "ABS Treatment". The document was accepted for work by the automated center.
3. "Fulfilled." The money is transferred to the recipients.
4. "ABS failure." The register contains errors and is therefore rejected by the bank.

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.

The salary project at Sberbank is equally beneficial for both the company and the employees. Both parties receive special conditions, in addition to standard opportunities - a simplified payroll scheme, the use of cards from international payment systems. Let's consider how it is connected, used and what advantages the tool has.

Features of the salary project in Sberbank

Gone are the days when queues lined up at the cash desks of enterprises and organizations for salaries. Now the money you earn is easy to transfer and receive. A company wishing to cooperate with Sberbank should enter into an agreement. It is acceptable to contact the institution in person or submit an application through the Business Online service. After signing an agreement on the interaction of two legal entities, the process of issuing invoices and issuing salary cards begins. At the same time, it will not be difficult for accountants to carry out all stages of the project design, relying on simple instructions given on the official website of Sberbank.

Having concluded a salary project with Sberbank, the company and banking institution act as follows:

1. Accounting transfers the monthly salary of company employees to a general account.
2. Informs Sberbank about the payment amount for each employee.
3. During the period specified in the agreement, the bank transfers the agreed amount to the accounts of the company’s employees.

An organization that uses a salary project in Sberbank does not need to transfer money into cash, therefore, a certain amount is saved. In addition, large enterprises have the opportunity to install an ATM/terminal on their territory, which creates certain convenience.
You can connect a salary project like this:

• register in Business Online. After authorization in your Personal Account, you should familiarize yourself with the tariffs and submit an online application;
• visit a Sberbank branch serving legal entities;
• use the services of a client manager.

The salary project at Sberbank makes it possible to carry out a number of operations and control a single account. In this case, everything happens remotely.

Benefits and privileges for employees

Employees of enterprises have the opportunity not only to receive salaries quickly and in a simplified form, but also to be a preferential client of Sberbank. Now you can use funds in an account outside the country, exercise control, obtain information on accounts, carry out all available banking operations, etc.
A salary card allows you to:

• receive special interest rates when applying for any type of loan;
• obtain a mortgage loan on more favorable terms;
• issue an additional card using the same account;
• receive discounts, participate in promotions that are often carried out by payment systems;
• connect to the bonus program and save conditional money in a separate account Thank you. In the future, they can be used to pay for purchases in partner stores in a 1:1 ratio;
• open a Savings account for savings with a favorable interest rate and transfer funds there from a salary card;
• if a salary card is lost (stolen), it can be blocked. In this case, the money is saved in the account. If it is impossible to use the old plastic, it is allowed to issue a new card or reissue the previous one.

And thus, data is entered for each employee. Next, the completed Register is exported, accompanied by an electronic signature and submitted for execution. If the project is improved, all changes for the company occur automatically.

Most enterprises today pay their employees wages non-cash. It's convenient for everyone. The employer thus reduces the labor costs of cashiers and the costs of obtaining cash in the required amount. And employees save time on visits to the cash desk and gain access to various banking products on preferential terms. Many banks offer salary programs, but Sberbank has been and remains a pioneer in this direction. Let’s take a closer look at what Sberbank’s salary project is and what benefits it brings to its participants.

How does the salary project work?

The mechanism for issuing wages with the help of Sberbank is quite simple. The employer must transfer the total amount of funds to be paid to the bank. After that, he provides Sberbank with a register of employees who need to pay their salaries, indicating the amounts and numbers of their accounts. This document can be brought in person or sent electronically through the Sberbank Business Online system. Actually, this is where the work of an enterprise accountant ends. Next, the bank will independently distribute the funds received to the specified accounts and credit them at the required time.

Attention! If you want to study Sberbank’s salary project in more detail, instructions for an accountant are freely available on the website of this financial organization.

A bank employee can install all the software necessary for the implementation of the project at the accountant’s workplace after concluding a service agreement.

For large enterprises, Sber also provides a service such as installing an ATM on site for employees. Bank cards are also issued to employees of the organization on its territory, but only during the first month after joining the project. In the future, employees will have to independently contact the bank branch indicated by the employer to receive a payment instrument.

Who can join the project

Which organization can connect a salary project for its employees? Sberbank makes one requirement for individual entrepreneurs, LLCs and other types of legal entities: the monthly wage fund at the enterprise must be 5,000,000 rubles.

If the organization's payroll is less than the specified amount, access to the project is closed to it.

Important! To connect to the project, an organization does not have to be at Sberbank for cash management services. However, clients who conduct all financial transactions through Sber receive a good discount on salary transfer services.

The project can be used not only by enterprises, but also by educational institutions - to pay scholarships and benefits to students. The work scheme, as well as the tariffs for services, do not change in this case.

1. Sberbank salary project - cost of service
2. The salary product provides two types of tariffs:

“Premier” - with a monthly payroll of 5,000,000 rubles.

• “First” – with a monthly payroll of 50,000,000 rubles.
• Within each tariff, the bank provides a specific package of services. In the event of an increase in the monthly wage fund (volume of scholarships/benefits), the company can connect an additional package corresponding to the amount of increase. For every 5,000,000 rubles you can connect another “Premier” package, and for every 50,000,000, respectively, a “First” package. As part of these packages, the bank undertakes:
• issue plastic cards and PIN envelopes for employees of the organization;
• reissue cards upon expiration of their expiration date;
• check the registers provided by the enterprise for the correctness of information;
• notify the company about mistakes made;
• transfer funds to specified accounts;

The cost of participation in a salary project depends on the region in which the enterprise operates, the number of employees, the form of ownership and a number of other features. It should be clarified in Sberbank itself, in the department for working with legal entities. If your organization provides settlement and cash services through Sber, you can obtain information from your personal manager.

How to join the salary project

To introduce a non-cash form of salary payment in your organization, you must first submit an application to Sberbank to join the salary project. You can do this in three ways:

• contact the bank branch that deals with legal entities;
• by contacting your personal manager;
• by sending a request on the website.

In the latter case, on the main page of the Sber website, select the section corresponding to your organization in the top menu ( "Small Business" or "To corporative clients"). After going to the section, click on the link at the bottom of the screen "Salary project", and on the new page click the button "Send request".

Attention! Before starting to work with the site, do not forget to set the region in which your company operates in its header.

In the application, you will need to indicate the location of your company, the year it was founded, the number of employees and the amount of monthly payroll. You will also need to leave your contact details (phone number or email) - a bank representative will contact you using them. To make the conversation with him immediately more substantive, in the comments to the application indicate all the questions that interest you; there is a special field for this.

After reviewing the application, an offer agreement will be drawn up with your company, in accordance with which the bank will begin to act. Your organization will be assigned a personal representative who will be responsible for issuing cards to employees, installing the necessary software and resolving any difficulties that arise.

Types of salary cards in Sberbank

As you know, there are many types of plastic cards, and Sberbank can issue almost any of them. Tariffs for legal entities for Sberbank’s salary project largely depend on what form of payment instrument the organization chooses for its employees. The following types of cards can be issued as part of the project:

• Maestro/Visa Electron;
• Pro100 “Standard”;
• Master Card Standard/Visa Classic;
• Master Card Gold/Visa Gold;
• Master Card Platinum/Visa Platinum.

Each category of cards has its own characteristics. Thus, a special application can be connected to the Electron Visa, allowing it to be used as a transport card. An overdraft limit is set on debit cards of the PRO100 system, allowing them to be used, if necessary, as credit cards. Maestro cards can be issued in a student version. And, of course, each category of cards has its own tariffs for services and limits on transactions performed.

Important! For employees using salary cards, their issue and maintenance remain free. These expenses are borne by the organization. Many of them account for the cost of her participation in the salary project.

As you can see, this banking offer has quite a lot of nuances. We hope we have helped you understand some of them. For more detailed information, contact the Sberbank department dealing with servicing legal entities.