Salary project AK BARS Bank for legal entities and employees: tariffs, conditions and reviews. Salary project in AK BARS Bank: Terms of Contract, Tariffs, Applying Online Applications and Reviews Why Russians are not hurry to take biometry

From April 4, 2011, the Bank has a loyalty program, according to which customers with a positive credit history and wage card holders can receive discounts on consumer, car loans and mortgages.

You have the right to a discount if:

- You have a positive story in Ak Bars Bank or any other bank;

- Or you get wages on the bank "Ak Bars" of the Bank.

Discount size

Credit programs	Discount customers with a positive credit history	Discount holders salary card "Ak Bars" Bank
Customer credit: - Consumer credit -Credit secured by real estate		0,5%
Car loans: - "Ak Bars - maximum" - "Ak Bars - Profi" - "Ak Bars - Cruise" - ATVITRIT with state subsidy	0,5%	0,3%
- "Ak Bars - Megapolis" - "Ak Bars - Business" - "Ak Bars - Perspective" - "Ak Bars - Comfort"	0,5%

The size of the discount is deducted from the current loan rate. Discounts also apply to life insurance programs and the working capacity of the borrower.

You have a positive credit history in Ak Bars Bank

The right to receive discounts have customers with a positive credit history in OJSC AK BARS Bank for 5 years before applying to the Bank for the provision of a discount.

To confirm the availability of positive credit history in the Bank, it is necessary to provide extracts for a loan and interest account on a loan (-th) obtained in JSC "Ak Bars" Bank.

You have a positive credit history in another bank

The right to receive discounts have customers with a positive credit history in other banks within 5 years before applying to the Bank for the provision of a discount.

To confirm a positive credit history, it is necessary to provide one of the following packets of documents:

- Copy loan agreement and extracting for a loan account (instead of an extract for a loan account allowed a certificate credit organization On the amount of debt and the absence of overdue payments for the entire lending period), certified by the signature of the head or authorized person and the seal of the credit institution;

- Official document (certificate or credit report) from the Bureau of Credit Stories (prepared by the Bank independently).

If there are established contractual relations between JSC AK BARS, the Bank and the Bureau of credit stories in which information on the credit history of the Client, the request and receipt of information on 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 story?

The bank recognizes credit history Positive, if:

(a) Payments on the principal debt and percentages were carried out (carried out) in a timely manner in full;

b) There is an case (there are cases) of overdue payments on the principal debt and (or) percentages over the last 180 calendar days duration (total duration) to 10 calendar days inclusive.

You have a salary map of the bank "Ak Bars"

Discounts are provided to customers-holders of the salary card "Ak Bars" of the Bank, while the card must comply with the following requirements:

1. The salary card must be valid at the time of contacting the bank for the provision of discounts.

2. At least 3 wages for a salary card account must be received within 6 months until the bank is applied for the provision of discounts.

In the article, consider the conditions for connecting a salary project in Ak Bars Bank, we will analyze tariffs for employees and benefits for the company. We have prepared the procedure for filing an online application and gathered feedback from the bank's customers.

Conditions of a salary project in AK BARS Bank

Ak Bars Bank offers to automate salary payment to your employees with. The transfer period of funds to employee accounts is 1 hour. For the governing lineup, the Bank issues premium cardswho courier will bring to your office.

Any questions on a salary project can be asked to a personal manager. Document exchange (registers) is carried out in electronic form using the Orion program. At the same time, the amount of the commission for enrolling funds for cards is established individually.

Advantages and tariffs for employees

Employees participating in a salary project can receive additional income at the expense of Kesbek on the map and percent on the residue.

The following advantages are also available:

• Control cash via online banking.
• Payment for travel in public transport with a discount through the application "Comfortable Travel".
• Preferential lending conditions.

The release of cards is possible in 4 tariff plans, while the annual maintenance of cards is free.

How to submit an online application for a salary project

You can leave an application for a salary project through the Bank's website. It must be specified by F.I.O., Phone and Inn Organization / IP. During the day, a personal manager will contact you to harmonize individual conditions and appointments. Next, it will be left to sign an agreement with the bank and order cards for employees.

Treaty with AK BARS Bank

Salary project Connects on the basis of the contract. Consider its important points:

• Files (registers) for transfer to the bank must be formed using the Orion program.
• The payment of wages is carried out on the basis of the registry after the receipt of money to the account in AK BARS Bank and payment of the Commission in accordance with individual conditions salary project.
• You must put a bank informant when changing personal data of any employee.
• Ak Bars Bank does not count and does not pay personal income tax.
• When incurred by the amount in the registry and in payment order The transfer of salary to employees is not carried out.

• Cards for employees of the company are produced in a short time.
• The salary is credited to all employees at the same time regardless of their location.
• The expenses of JUR are reduced. Persons I. individual entrepreneurs When working with cash.
• Fast wage enrollment on employee cards - up to 1 hour after receiving the registry office and payment order.
• Optimization of the workflow of accounting.
• Comfortable software To enroll the salary.

Tariffs for a salary project for legal entities and IP

Legal entities and IPs do not pay a commission for connecting a salary project. Payment for the release of cards and for salaries is established individually.

Benefits of a salary project for employees

• Saving time - cards are issued in the organization.
• Low interest rates on loans.
• Free online bank and mobile appIn which you can send translations, pay cellular services, housing and communal services, Internet, and also to make account statements.
• Accrued up to 5% per residue.
• Free removal of cash in ATMs AK BARS Bank.
• All maps are equipped with contactless payment technology.
• SMS-informing about card operations.
• Preferential travel in the public transport of Zelenodolsk, Almetyevsk, Naberezhnye Chelny, Nizhnekamsk and Kazan when paying through the "Convenient Travel" application.
• Round-the-clock hot line To resolve issues on maps.

Salary cards of AK BARS Bank for employees

Bank issues 9 types of cards for employees of the company

• Map Evolution — platinum Card. With the possibility of free removal up to 50 thousand rubles. In any ATM in Russia. Cashback is charged to 1.25% from all purchases and up to 7% on the residue, you can get discounts from a visa. The card is serviced for free with a monthly arrival from 10 thousand rubles. or purchases for the amount of more than 20 thousand rubles / month. In other cases, service - 79 rubles / month. (2 first months for free).
• Ak Bars Premium. - status card with special privileges: concierge service, Priority Pass With access to the WP-halls of airports, interest-free removal up to 100 thousand rubles. In any ATM in Russia, accrualing miles for buying, insurance for travel abroad, as well as the possibility of obtaining legal advice. There is a free SMS service. The map is served for free upon purchases from 60 thousand rubles. / Month, daily residue on the map from 200 thousand rubles. or with the remaining on all accounts from 2 million rubles. Commission at non-fulfillment of conditions - 2,500 rubles / month. (The first month is free).
• Visa Platinum. Personal discounts from a visa worldwide are provided. Cash lifting limits - up to 300 thousand rubles / day and up to 9 million rubles / month. In emergency situations abroad, you can block the map, order a new one and get it within three days. There is a free SMS service. Calume Card - 7,000 rubles / year.
• Golden visa map. With a residue from 100 thousand rubles. Accrued to 5% per annum. In emergency situations abroad, you can use cash and card lock services. Free SMS informing. Service - 3,000 rubles / year.
• Generation map - a card with a refund to 10% of purchases in the "Transport" category, 5% in the category "Entertainment" and 1% for other purchases. You can remove free cash within 50 thousand rubles in any ATMs in Russia, to the rest of up to 100 thousand rubles. 5% per annum is accrued. Cost card - 149 rubles / month. The card may be free with monthly purchases from 15 thousand rubles.
• Classic visa, mastercard and world - Suitable for daily shopping and payment on the Internet. Per month can be obtained up to 5% per residue from 100 thousand rubles. Service - 800 rubles / year.
• Unmbossed cards. Maps with minimal service cost - 300 rubles / year. On the map there is no name and surname, so you can get it right away.

Management of the salary project of AK BARS Bank via the Internet: Orion Program

To work with a salary project in AK Bars, the Bank has a separate Orion program, to enter the login and password. Using the IP program or a limited liability company can remotely transfer information to the Bank: registers for crediting salary, to open accounts and issuing cards to employees, information about changing passport data of workers and dismissal.

How to issue a salary project in Ak Bars Bank

A legal entity can be bid on the official website of the bank, specifying the name, phone number, the company, and the region of appeal. During the day, a specialist will call and prescribe time to sign the contract.

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Ordinary salary

Closer its shirt to the body and more expensive the fate of dollar calculations in our country can only be a salary. Therefore, it seemed strange for me that the news about the possible reform of so-called salary projects in terms of their maintenance by banks was almost unnoticed.

Bank BARS "is included in the twenty of the largest banks of Russia, is one of the largest banks of the Republic of Tatarstan, offering an extensive branch of a variety of banking products. Including plastic cards. Maps "AK BARS" are produced in forty varieties and are able to meet the needs of all segments of the population.

Types of cards

Cards of the Bank AK are offered in four directions on the characteristic features of the destination:

• - One of the most common types of cards, more often opens within the framework of the salary project, for the monthly transfer of pensions, benefits. Is a connecting link between the client and the bank, opens access to facial accountThis makes it possible to dispose of personal savings and savings within the current cash balance.
• credit - gaining popularity type of map that moved to the background consumer loans. Credit card allows you to within the limits installed Limita, use the Bank's funds.
• prepaid - The name speaks by itself - with a prepayment. Unlike debit and credit card, not tied in the personal account of the client, and is directly by the storage location. Not identifiable, drawn up without binding to customer passport data. It is subdivided in turn to the replenished and not replenished. Unfollowed - one-time enrollment of funds in the desired amount, completely anonymous. Replenished - has binding to bank account Only by the map number, makes it possible to replenish the account within the boundaries of the established limit. It is convenient to use for calculations and the Internet network, ensuring the safety of personal data, presented as a gift.
• virtual - accordingly not existing in physical form, only in electronic version And allowing only payments on the Internet. Card design is as possible remotely through Internet networks.

Carticle statuses

AK BARS One of the banks oriented aimed at meeting the needs and wishes of customers. Depending on solvency, cash rounds According to the client's personal account, without departing the situation, maps are divided into such as:

• classical - Standard, a budget option With low annual service cost and optimal set of functional banking programs.
• instant release - issuance of a nonien card with minimal time spent on its design.
• premium - a card that has priority maintenance with advanced functionality and special privileged conditions.

Depending on the type of card and its status of the Card, AK BARS Bank is drawn up from 1 to 5 years to 5 years, with the commission for annual service from $ 300.00 to 800.00 rubles. Limit amount Cash issued in ATM per day can be from 15,000.00 rubles to 300,000.00 rubles.

Loyal programs

Map of fan ak leopard

To date, the bank offers unique additional services, in the form of loyal programs of the bank:

• transport Action - Two in one, the transport card is connected to the credit card used to pay for travel in city transport, after which it disappears the need to follow the cash balance and replenish transport card, Payment for travel will be charged from your bank account. Provides comfort and ease of movement through the cities of the Republic of Tatarstan.
• friend company - thanks to the combination 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 wash, medical centers and beauty salons.
• my family loyalty application - The application allows you to receive, accumulate bonus points, making purchases in Essen hypermarkets and will continue to pay accumulated points, also makes it possible to buy certain goods at special reduced prices.
• "AK BARS ONLINE" - On the Bank's website register your personal account through which you get the opportunity to manage banking products. Without additional cost, fees for use personal Account Not charged.
• service "SMS - Banking" - allows you to control your accounts with the help of the phone and the Internet, to perform operations with cash, manage and analyze all account operations, receiving SMS notifications on cellular telephone, email.
• contact purchase - after installing a special application on mobile device, Bank card is located in the phone! Now to pay, it is enough to bring your cell phone to the reading device and type the PIN, if the purchase amount perfect in the Russian Federation exceeds 1000.00 rubles.
• ability to record tickets to the matches of HC "Ak Bars" - Special, unique offer for fans of the hockey team "Ak Bars". The card turns into skipping on the home games of your favorite hockey players, as well as allows you to observe the course of training, getting the opportunity to visit their visits, visiting the solemn events on the occasion of the opening, closing season, and many other events, personally follow the news taking place in the team.
• create good - Daily, paying for the purchase with the usual way with the help of the Ak Bars card, together with the Ak Bars Creating Charitable Foundation, you become a participant in a charitable action within the framework of the "Creation of Good" project help families faced with a terrible ailment who have seriously ill children. The bank lists the funds presented by you, and together you give the children hope for recovery.
• loyalty program from PJSC "Ak Bars" Bank - borrowers credit funds Bank, during the use of a positive credit history and participants of the salary project, in the event of an admission to the card wages At least three times, over the past six months, the Bank provides a discount on its newly proposed services.
• iSIC loyalty application - Connecting to the international ISIC program (international student certificate), the map is the key confirming the status of the client and makes it possible to receive discount students and privileges in more than 130 countries of the world. There is an opportunity to raise your cultural level, visiting museums, theaters, gallery for free. There is an opportunity to receive discounts in various fields of service: visiting cinemas, deciding to have fun in clubs and entertainment centers, in water parks, snacking in a cafe or restaurant, but simply making purchases in stores and ordering the delivery of goods via the Internet, when you receive additional education can also be saved. On the privileges provided to visit a variety of courses, trainings, master classes.
• campus app - Campus is a separate area owned by an organization with closed access to outsiders. The campus application is aimed at strengthening access control and improving the safety of public educational institutions, hostels. First, the Bank's map is used as a skip, secondly allows you to make, pay, use the services provided by libraries, dining rooms, and buffets of educational institutions.
• IT Park - Within the framework of the All-Russian Development Program in the field of high technology in the territory of the Republic of Tatarstan, the newest Park of Information and Communication Technologies was built. On the territory of which there are many objects of creating IT infrastructure. The unique product IT Park Bank of Ak Bars today allows consumption of all the advantages of payment systems based on one plastic cardfocused on the need of the maintenance of the technopark.
• schoolboy card - according to the functionality similar to the campus card, but with prepayment, without a binding with a bank account. Unlike the standard plastic card format (a rectangle of 53.98 per 85.6 millimeters), developed in the form of a bracelet with a dedicated place for a card with a full name. student, card holder.
• mobile application "SMS-Bank" - The application for most types of modern gadgets after installation, which offers access to a bank account and the ability to make operations with cash within the existing balance.

So, AK BARS Bank cards are a unique product based on clients' interests with introducing into all the main areas of vital activity. The main advantage in combining with a standard bank card, transport, bonus card, Electronic pass, which makes the card indispensable and universal. New technologies ensure the safety and speed of all operations performed. The possibility of contactless payments of purchases, services excludes the need for carrying cards with them, which means and excludes the risks of its loss. An important aspect is a broad service network, in Russia there are more than 860 cash issuing points.

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