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Ak Bars Bank salary card. Salary project at Ak Bars Bank: terms of agreement, tariffs, online application and reviews. Ak Bars Bank salary cards for employees

In this article, we will consider the conditions for connecting a salary project at Ak Bars Bank, we will analyze the tariffs for employees and the benefits for the company. We have prepared a procedure for submitting an online application and collected feedback from bank clients.

Conditions of the salary project at Ak Bars Bank

Ak Bars Bank offers to automate the payment of salaries to your employees using. The period for transferring funds to employees' accounts is 1 hour. For management team The bank issues premium cards, which a courier will deliver to your office.

Any questions about the salary project can be asked to your personal manager. The exchange of documents (registers) is carried out electronically using the Orion program. In this case, the amount of commission for crediting funds to cards is set individually.

Benefits and rates for employees

Employees participating in the salary project can receive additional income through cashback on the card and interest on the balance.

They also have the following benefits:

Control in cash via online banking.
Pay for trips on public transport at a discount through the “Convenient Travel Pass” application.
Preferential lending conditions.

Cards can be issued according to 4 tariff plans, and annual card maintenance is free.

How to submit an online application for a salary project

You can submit a request for a salary project through the bank’s website. It is necessary to indicate the full name, telephone number and TIN of the organization/individual entrepreneur. During the day, your personal manager will contact you to agree on individual conditions and schedule a meeting. Next, all that remains is to sign an agreement with the bank and order cards for employees.

Agreement with Ak Bars Bank

The salary project is connected on the basis of an agreement. Let's consider its important points:

Files (registers) for transfer to the bank must be generated using the Orion program.
Salary payment is carried out on the basis of the register, after the money is received into the account at Ak Bars Bank and the commission is paid in accordance with the individual conditions of the salary project.
You must notify the bank if 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 does not match, the salary transfer to employees is not carried out.

Bank Bars is one of the twenty largest banks in Russia and is one of the largest banks in the Republic of Tatarstan, offering a wide range of various banking products. Including the issuance of plastic cards. Ak Bars cards are available in forty varieties and are able to satisfy the needs of all segments of the population.

Types of cards

Ak Bank cards are offered in four directions according to the characteristic features of the destination:

– one of the most common types of cards, most often opened as part of a salary project, for monthly transfers of pensions and benefits. It is a connecting link between the client and the bank, opens access to a personal account, and makes it possible to manage personal savings and accumulations within the existing cash balance.
credit- a type of card that is gaining popularity, relegated to the background consumer loans. A credit card allows you to use bank funds within the established limit.
prepaid– the name speaks for itself – with an advance payment. Unlike debit and credit cards, is not linked to the client’s personal account, but is directly a place where funds are stored. Not identifiable, issued without reference to the client’s passport data. It is in turn divided into replenished and non-replenishable. Non-replenishable – a one-time deposit of funds in the desired amount, completely anonymous. Replenishable – linked to bank account only by card number, it makes it possible to top up your account within the established limit as needed. It is convenient to use for payments and Internet networks, ensuring the security of personal data, and to give as a gift.
virtual– accordingly, it does not exist in physical form, only in electronic form and allows only payments to be made 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, cash turnover in the client’s personal account, without delay, cards are divided into the following:

classical– a standard, budget option with a low annual cost of service and an optimal set of functional banking programs.
instant release– issuance of a non-named card with minimal costs time to complete it.
premium– a card that has priority service with expanded functionality and special privileged conditions.

Depending on the type of card and its status, Ak Bars Bank cards are issued for a validity period of 1 to 5 years, with an annual service fee of 300.00 rubles to 800.00 rubles. The maximum amount of money dispensed from an ATM per day can range 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 app– two in one, a transport card is connected to a bank card, used to pay for travel on public transport, after which there is no need to monitor the balance of funds and top up transport card, the fare will be debited from your bank account. Provides comfort and ease of movement around the cities of the Republic of Tatarstan.
friend of the company– thanks to the association of more than three hundred partner organizations, it is possible to enjoy 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 application "My Family"– the application makes it possible to receive and accumulate bonus points when making purchases in ESSEN hypermarkets and subsequently pay with the accumulated points; it also makes it possible to purchase 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 or usage fees personal account not charged.
“SMS – Banking” service– allows you to control your accounts using your phone and the Internet, make transactions with funds, manage and analyze all transactions on your account, receiving SMS notifications on your cell phone or email.
contactless payment for purchases– after installing a special application on your mobile device, the bank card is also in your phone! Now, to pay, just bring your cell phone closer to the reader and dial the PIN code, if the purchase amount was made in Russian Federation exceeds 1000.00 rubles.
possibility of registering tickets for 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 progress of training, getting the opportunity to attend them, attend ceremonial events on the occasion of the opening, closing of the season, and many other events, and personally follow the news happening in the team.
do good– every day, by paying for purchases in the usual way using an Ak Bars card, together with the “AK BARS SOZIDANIE” charity foundation, you become a participant in a charity event within the framework of the “Do Good” project, helping families faced with a terrible illness and having seriously ill children. The bank transfers the funds you donated, and together you give the children hope for recovery.
loyalty program from PJSC "Ak Bars" Bank– borrowers of bank credit funds who have formed a positive credit history during their use and participants of the salary project, if they receive wages on the 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 ISIC program (International Student Identity Card), the card is the key confirming the client’s status and allows students to receive discounts and privileges in more than 130 countries around the world. There is an opportunity to improve your cultural level by visiting museums, theaters, and galleries for free. It is possible to receive discounts in various areas of service: visiting cinemas, deciding to have fun in clubs and entertainment centers, water parks, having a snack in a cafe or restaurant, and simply making purchases in stores and ordering delivery of goods via the Internet, while receiving additional education you can also save money on the privileges provided to attend various courses, trainings, and master classes.
campus application– a campus is a separate territory owned by an organization, with closed access for outsiders. The campus application is aimed at strengthening access control and increasing the security of visits to educational institutions and dormitories. Firstly, the bank card is used as a pass, and secondly, it allows you to make, pay for, and use the services provided by libraries, canteens, and buffets of these educational institutions.
IT park– within the framework of the All-Russian development program in the field of high technologies, a newest park information and communication technologies. On the territory of which there are many objects creating IT infrastructure. The unique product IT-park of Ak Bars Bank already today allows the consumption of all the advantages of payment systems based on one plastic card oriented to the needs of Technopark residents.
schoolboy card– similar in functionality to a campus card, but with 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 space for a card with full name. student, card holder.
mobile application "SMS-bank"- an application for most types of modern gadgets, after installation, which opens access to a bank account and makes it possible to make transactions with funds within the available balance.

So, AK Bars Bank cards are a unique product, developed based on the interests of clients with implementation in all major areas of life. The main advantage in combination with standard by bank card, transport, bonus cards, electronic pass, which makes the card irreplaceable and universal. New technologies ensure the safety and speed of all transactions performed. The possibility of contactless payment for purchases and services eliminates the need to carry the 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 issuance points throughout Russia.

Cards for company employees are issued in a short time.
Salaries are credited to all employees simultaneously, regardless of their location.
Legal costs are reduced. individuals and individual entrepreneurs when working with cash.
Fast crediting of salaries to employee cards - up to 1 hour after the bank receives the register and payment order.
Optimization of the accounting workflow.
Convenient software for payment of salaries.

Salary project tariffs for legal entities and individual entrepreneurs

Legal entities and individual entrepreneurs do not pay a commission for connecting a salary project. Fees for issuing cards and for salary transfers are set individually.

Benefits of the salary project for employees

Save time - cards are issued on the territory of the organization.
Low interest rates on loans.
Free online banking and mobile application where you can send transfers and pay for services cellular communication, housing and communal services, the Internet, and also make account statements.
Up to 5% is charged on the balance.
Free cash withdrawals from Ak Bars Bank ATMs.
All cards are equipped with contactless payment technology.
SMS notifications about card transactions.
Preferential travel on public transport in Zelenodolsk, Almetyevsk, Naberezhnye Chelny, Nizhnekamsk and Kazan when paying through the “Convenient Travel” application.
24/7 hotline to resolve card issues.

Ak Bars Bank salary cards for employees

The bank issues 9 types of cards for company employees:

Evolution Card— platinum card with the possibility of free withdrawal up to 50 thousand rubles. at any ATM in Russia. Cashback is accrued up to 1.25% on all purchases and up to 7% on the balance, you can receive discounts from Visa. The card is serviced free of charge with a monthly income of 10 thousand rubles or more. or purchases worth more than 20 thousand rubles/month. In other cases, service is 79 rubles/month. (first 2 months free).
Ak Bars Premium— status card with special privileges: concierge service, Priority Pass with access to VIP lounges at airports, interest-free withdrawal of up to 100 thousand rubles. at any ATM in Russia, accrual of miles for purchases, insurance for traveling abroad, as well as the opportunity to receive legal advice. There is a free SMS service. The card is serviced free of charge for purchases over 60 thousand rubles/month, daily balance on the card over 200 thousand rubles. or if the balance on all accounts is from 2 million rubles. Commission for non-fulfillment of conditions - 2,500 rubles/month. (first month free).
Visa Platinum. Personal discounts are available from Visa all over the world. Limits on cash withdrawals are up to 300 thousand rubles/day and up to 9 million rubles/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 issuance and card blocking. Free SMS information. Maintenance - 3,000 rubles/year.
Generation Card— a card with a return of up to 10% on purchases in the “Transport” category, 5% in the “Entertainment” category and 1% on other purchases. You can withdraw cash for free up to 50 thousand rubles from any ATMs in Russia, for a balance of up to 100 thousand rubles. 5% per annum is charged. The cost of the card is 149 rubles/month. The card can be free for monthly purchases of 15 thousand rubles or more.
Classic Visa, MasterCard and MIR— suitable for daily purchases and online payments. Every month you can receive up to 5% on the balance of 100 thousand rubles. Maintenance - 800 rubles/year.
Unembossed cards. Cards with a minimum service cost of 300 rubles/year. There is no first and last name on the card, so you can get it right away.

Managing the salary project of AK Bars Bank via the Internet: ORION program

To work with the salary project, Ak Bars Bank has a separate program “ORION”, to enter which you need to enter your login and password. Using the program, an individual entrepreneur or limited liability company can remotely transmit information to the bank: registers for crediting salaries, opening accounts and issuing cards to employees, information about changes in employee passport data and dismissals.

How to register a salary project at Ak Bars Bank

A legal entity can leave an application on the bank’s official website, indicating the name, telephone number, company tax identification number and region of application. During the day, a specialist will call and set a time to sign the contract.

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The only thing closer than your shirt to your body and dearer than the fate of dollar payments in our country is your salary. Therefore, it seemed strange to me that the news about the possible reform of the so-called salary projects in terms of their servicing by banks went almost unnoticed.

Since April 4, 2011, AK BARS Bank has been operating a loyalty program, according to which clients with a positive credit history and holders of the Bank’s salary cards can receive discounts on consumer, car loans and mortgages.

You are eligible for a discount if:

― you have a positive history with AK BARS Bank or any other bank;

― or you receive your salary on the AK BARS Bank card.

Discount amounts

Credit programs	Discount for clients with a positive credit history	Discount for holders of AK BARS Bank salary card
Customer credit: ― Consumer loan ―Loan secured by real estate		0,5%
Car loans: ―"AK BARS - Maximum" ―"AK BARS - Pro" ―"AK BARS - Cruise" ―Car loan with government subsidies	0,5%	0,3%
― "AK BARS - Megapolis" ―"AK BARS - Business" ―"AK BARS - Perspective" ―"AK BARS - Comfort"	0,5%

The discount amount is deducted from the current loan rate. Discounts also apply to programs with life and disability insurance of the borrower.

You have a positive credit history with AK BARS Bank

Clients with a positive credit history with OJSC AK BARS BANK have the right to receive a discount for 5 years before applying to the Bank for a discount.

To confirm the presence of a positive credit history with the Bank, it is necessary to provide statements of the loan and interest account for the loan(s) received at OJSC AK BARS BANK.

You have a positive credit history with another bank

Clients with a positive credit history with other banks for 5 years prior to the date of 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:

― a copy of the loan agreement and a statement of the loan account (instead of a statement of the loan account, it is allowed to provide a certificate from credit organization on the amount of debt and the absence of overdue payments for the entire lending period), certified by the signature of the manager or authorized person and the seal of the credit institution;

― An official document (certificate or credit report) from a credit history bureau (prepared by the Bank independently).

If there is an established contractual relationship between OJSC AK BARS BANK and the credit history bureau, which stores information about the client’s credit history, requesting and obtaining information about the client’s positive credit history in other banks can be carried out by the territorial division of the Bank independently.

What is a positive credit history?

The bank recognizes a credit history as positive if:

a) payments of principal and interest were (are) made on time and in full;

b) there is a case (there are cases) of late payments on the principal and (or) interest during the last 180 calendar days with a duration (total duration) of up to 10 calendar days inclusive.

Do you have a salary card from AK BARS Bank?

Discounts are provided to clients who are holders of the AK BARS Bank salary card, and 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. The salary card account must receive at least 3 wages within 6 months before contacting the Bank for a discount.