In many loan organizations offer relevant today program for payroll customers. For example, one such product operates in a large Russian Bank VTB 24. How to open salary card of VTB 24, connect online banking, overdraft, and much more, we will tell in our article.
Payroll cards – this is a unique banking product, operating on the basis of the international payment systems "Visa" and "MasterCard". They facilitate the work of the accountants of large and small enterprises, as it was on this piece of plastic and the crediting of wages and advance. In other words, these cards resemble debit, but with the possibility to get wages.
At the moment the salary cards of VTB 24 issued the following Tipul:
Each species has its own fees and positive aspects. For example, cards category “Standard” and “classic” set daily cash withdrawal limit at no more than 100,000 rubles. The cards have a class “gold” - 200 000 rubles, and “platinum” - 300 000 rubles. How open salary cards of VTB 24, we will describe below.
It is Worth noting that often the conditions for their use directly depend on the variety of the Bank agreement, as well as the number of involved employees.
Before you issue salary cards of VTB 24, the company or organization must enter into a cooperation agreement with the Bank. Also interested in partnership the company is obliged to choose for her salary project and the type of credit card, which subsequently will be used by its employees.
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In the next phase, representatives of the Bank, as a rule, come to the enterprise or company and in General acquaint the staff with cards and their tariffs. Then they leave in the accounting Department required (number of staff) number of questionnaires filled in by each employee personally. To fill this leaves questionnaires you need a passport and identification code.
After that, the accountants collect the forms and take to the Bank VTB 24. To issue salary card therefore every employee of the company participating in salary project of the financial institution.
Note: major industrial enterprises by collecting questionnaires often do the representatives of the Bank.
To Get a plastic card by personal visit to the Bank with a passport. Or the obligation of issuing “invaluable plastic" rests on the shoulders of the accountants of the enterprise or organization, and individually, each employee is given a salary card of VTB 24. The conditions of obtaining it are reduced to the presentation of the passport and signing of the document on the results of "plastic".
Since completing the questionnaire and receiving the cards is not too much time. As a rule, 2-3 (rarely 4) weeks.
At the end of its term, there is an automatic renewal and reissue. If your employer terminated the contract with the Bank, or you went to the services to another credit institution, suspend the service of such "plastic" in VTB 24. Overdraft on the salary card, the conditions of its registration and use discussed below.
For the ordered the credit institution cards and their service is usually paid by the employer. However, if from his firm dismissed any employee, who then plans to use the salary card of VTB 24, he will have to annually shell out for the sum from 150 to 2500 rubles, depending on the view of the open card.
If you receive a "plastic" many employees have a lot of questions related to overdraft. First clarify the situation. Overdraft – this kind of a microloan, for which there is no need to collect a standard for banks, the package of documents and provide proof of income in VTB 24. Overdraft on the salary card (terms and conditions of its provision, we will write below) in this case allows the owner of "plastic" to the micro-loans that exceed the current balance on the card account without any extra effort. When you might need it?
Suppose, until the next paycheck remains a week, and you have run out of money. Then you come to the aid of an overdraft.
Almost all of them already connected the overdraft. To learn about the presence or absence of this service in any branch of the Bank. How to connect an overdraft (VTB 24)? Salary card, if desired, be connected to the service in the same day. This occurs upon application and passport at any branch of a financial institution. The same is true for system shutdown.
Depending on the type of card the size of the overdraft is up to ½ the amount of the monthly salary of employee. For example, the upper limit of "plastic" class “Standard”, “classic” and “gold” is up to 300 000 rubles. In the category of “platinum” its size reaches 750 000 rubles.
The Money to pay you can take by 28% per annum. Moreover, this type of loans, unlike credit cards of such level does not imply the presence of interest-free period. Therefore, from the first day of use of funds and prior to their final maturity, the Bank will charge a percentage.
To Pay off overdraft costs as early as possible. Otherwise, for the use of borrowed funds will accrue a decent amount of interest. However, as a rule, the repayment of the loan is the next payroll to the debtor. Besides it credited to card funds first will be charged a certain amount on account of repayment of percent, and then – all remaining debt.
In violation of the terms of payment, the Bank reserves the right to apply to the borrower penalties in the amount of an additional 0.8% per day of the overdue debt.
To Monitor and perform operations on their own payroll card can be made online. To do this is to activate banking. This can be done with the help of a specialist credit institution. You will need a passport and a mobile phone number.
Highlight the following advantages of salary cards of VTB 24:
Among the disadvantages of the map you can highlight the following:
In short, the design of the salary card of VTB 24 is connected with the positive and negative aspects. Therefore, opening such a card, pay attention to it and act according to circumstances.
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DE: https://tostpost.com/de/finanzen/9177-lohn-karten-vtb-24-darstellung-und-vorteile.html
HI: https://tostpost.com/hi/finance/5164-24-vtb.html
JA: https://tostpost.com/ja/finance/5162-vtb24.html
PL: https://tostpost.com/pl/finanse/9179-kart-wynagrodze-vtb-24-stylizacja-i-zalety.html
PT: https://tostpost.com/pt/finan-as/9175-sal-rio-cart-o-vtb-24-aspecto-e-benef-cios.html
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UK: https://tostpost.com/uk/f-nansi/9178-zarplatn-kartki-vtb-24-oformlennya-ta-perevagi.html
Alin Trodden - author of the article, editor
"Hi, I'm Alin Trodden. I write texts, read books, and look for impressions. And I'm not bad at telling you about it. I am always happy to participate in interesting projects."
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