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Salary project Sberbank for IP without employees. Salary project of Sberbank for IP without employees: what's the trick of the IP and the salary project

Salerbank's salary project is a common and demanded service. Credit organization customers rated the benefits and convenience of calculations. Among other things, together with the salary map, the client has access to distance remote services and other privileges from the credit institution. Registration of the salary project can be engaged in both the employer and individuals themselves.

But often the bank independently offers its customers, accounting account holders, use this service. Moreover, such proposals come even if the individual entrepreneur does not have full-time employees. Of course, it can embarrass and cause suspicion. This article will answer the question if the service salary project of Sberbank Sberbank is available for IP without employees, in what trick.

Why do you need a banking service for the foremunkers

In fact, receiving the status of an individual entrepreneur does not make it a legal entity, respectively, it is still an individual, but with a special status. Therefore, on the basis of current legislation, monthly earnings are charged in accordance with the employment contract, in which two parties take part: an employer and a hired employee. As for the individual entrepreneur who does not have full-time employees, he is both an employer, and a hired employee, and he cannot independently charge himself.

Of the foregoing, it is possible to come to this conclusion that the salary project is an individual entrepreneur, if there are no employees in his staff, do not need. But in practice, everything is not quite like this, then let's try to understand this issue in more detail.

Is it possible to place a salary project without employees: legal grounds

In fact, the salary project is a banking product, in accordance with which the credit organization regulates the procedure and feature of the design of this service. But as for Sberbank, he has no definition on the minimum number of employees in the enterprise, respectively, as part of a salary project, an individual entrepreneur can use them. True, with the only feature that after submitting an application to the bank, a credit institution opens a salary card and a personal account to which cash from the current account on a personal statement and the instructions of the individual entrepreneur.

Profitable or not

Probably, most individual entrepreneurs believe that if there are no employees in the state, to use the salary project of Sberbank, in fact, there is no need. But in fact, in practice, this is not like this: to receive money for consumer needs, he still has to declare this to the bank and sign documents. Among other things, in this version, problems with the tax inspectorate may arise, because the movement of funds on a settling account is monitored by the controlling authorities. Therefore, when transferring large sums, they can be taxes at a rate of 13%. And the bank in turn will charge the commission for each translation from 3% or more.

If an individual entrepreneur uses the service salary project, he receives several advantages from Sberbank at once. Namely:

its income will be transferred to the debit card, from which you can remove cash free of charge in any ATM of Sberbank;
together with the map, the entrepreneur gets access to a personal account in the online system and a mobile bank, with which you can effectively track your accounts;
for the transfer of wages to the debit card, the commission is charged only 0.3% per surgery;
owners of salary maps, including individual entrepreneurs, are obtained from Sberbank preferential lending conditions: consumer and mortgage;
salary cardholders can take part in the bonus program Thank you and get cachek for your expenses.

How to make a salary project in Sberbank, if there are no employees

As a rule, Sberbank independently offers its customers to use the service and within the framework of a personal offer. It is only necessary to fulfill instructions from the credit institution manager. But at the same time, individual entrepreneurs can initiate such a process. They will need to go through only a few stages, namely:

go to the official website of the credit institution, fill out an application for participation in a salary project;
according to the contact information specified in the questionnaire, the credit institution manager is associated with a potential applicant and appoints a personal meeting;
in the bank's department, an employee advises about connecting to the salary project service and proposes to sign an agreement;
as part of the salary project, the applicant must choose the type of plastic card to which income will be listed;
the entrepreneur will need to transfer a salary statement and other documents to the bank.

After the bank card is ready, it should be obtained in the bank's separation, and with it and the service agreement. Based on Vedomosti, the Bank will write down money from the settlement account of the entrepreneur and translate them to the record of a plastic card.

Please note that when applying for a bank from an individual entrepreneur will require an extract from a single state register of individual entrepreneurs, a passport and certificate of formulation of tax accounting.

Terms of Service

Probably, an individual entrepreneur, especially if there are no employees in the state, thinks about whether he should use a salary project if he can translate money from the current account on legal grounds. But here it is worth noting that the benefit really exists, because in the framework of the salary project, the commission fee is 0.3% of the transfer amount. And if you transfer money directly to a personal map, the commission increases, and will be from 1.12%, but not less than 115 rubles.

In addition, within this service, an individual entrepreneur can choose a plastic card with a preferential cost service. The entry-level cards are provided in the first period at the tariff of 0 rubles, since the next period their cost increases to 300 rubles per year. Visa or MasterCard Classic will cost $ 750 per year.

As you can see, the salary project of Sberbank for IP without employees is a completely standard procedure. Each entrepreneur independently decides to enjoy the service or not, but at the same time there are several advantages. Among other things, by the law, the transfer of funds from the current account on the personal needs of an individual entrepreneur is not an unlawful action.

It serves more than 1 million organizations from which almost half (450 thousand legal entities) is connected to a salary project.

The opening of the salary project in Sberbank is available not only to enterprises, but also individual entrepreneurs.

Advantages and disadvantages

The advantages of the salary project of Sberbank should be considered in the context of stakeholders.

For employer

The salary project in Sberbank for legal entities and IP with employees allows the following benefits:

The service is provided to enterprises with a settlement account in Sberbank or without it.
Fully remote maintenance (DBI system is provided even without opening a calculated account).
Support is available around the clock.
Wage enrollment occurs within 10-90 minutes.
Extensive opportunities for technical integration.
If you need to open the P / C, the Bank's employee may issue a contract in your office (service is free).
The commission for enrollments does not depend on the region in which the employee is located (the main condition is the availability of a bank card).
The managers may be provided with the benefits for serving personal cards of the GOLD level (discounts depend on the amount of service consumption and are calculated individually).
Small Commission for Listing SP.
With a large number of personnel and fulfill the requirements for the room, it is possible to install an ATM on the territory of the outlet.

If the organization does not lead its R / s in Sberbank, the subscription fee for the use of the DBC system will be charged. For connection to it also requires one-time payment.
The salary project of Sberbank cannot be connected by holders of cards of other banks. Enumerations on their cards will be issued by separate payment orders for an increased commission.
If the funds required for calculations for the salary statement are made through the cashier - an additional commission is charged (according to the current tariff within the framework of the PCO package, or according to the Bank's standard commission).
Tariffs depend on the service region and are calculated individually (it is difficult to estimate the costs before entering into the contract).
Special facilities for managers are offered only to large and medium-sized enterprises - with payment funds from 5 and from 25 million rubles.

For staff

The conditions of the salary package of Sberbank for workers are sufficiently comfortable:

The bank has a largest network of self-service devices (about 80 thousand ATMs) and branches (over 14 thousand offices, they are practically in all cities and regions) - most often within walking distance.
All options for remote maintenance (including applications for all popular mobile platforms, even for Windows Phone) - free.
A number of cards within a salary project are served for free or discount.
Almost all salary customers are available for the "Thank you" program (your own bonus program of Sberbank).
Removing cash within the limits without approval, translation within the region on the Sberbank card - free of charge.
Maps can be added to Google / Apple / Samsung Pay systems (there are limitations by type).
Consumer loans and mortgage users of the salary project of Sberbank are provided on special conditions. For example, a loan can be obtained even without visiting the separation within a few minutes.
Depending on the type of payment system and the service package, the holders may be offered special discounts and promotions.
If you already have a bank card, you can connect to the zp project without its reissue or opening new.

For salary cards, interest on the residue is not charged (it is necessary to open a separate deposit).
There is no possibility of activating overdraft (at least in the most inexpensive - Electron and Maestro) on the ZP cards. Only a separate credit card and classical loan is offered.
The World Maps, often offered as part of the draft project, cannot be added to Google / Apple / Samsung Pay.
Despite the fact that with all private clients there is a comprehensive service contract, transfer the release or even issuance of re-cards to another branch is practically impossible.
You can not connect to the project of a third-party card.

For accountant

Benefits:

Cards for the salary project of Sberbank can be released centrally (on the basis of an electronic registry).
The remote service system can be integrated with accounting software (for example, with 1C via Direct Bank).
The online system has a simple and understandable interface. No more than 10 minutes will leave for Vedomosti.
A sufficient level of security is ensured (input both using "cloud" signatures and using hardware keys).
The company conducts a separate manager who can help with many issues.
Technical support is round the clock (there may be a restriction under the contract).

The project cannot be connected to third-party cards. Such employees will need to make payments with individual payment orders with an increased commission.
For the release of cards, it is necessary to motivate the staff to independently arrive at the required office of the bank or the accountant will need to collect an impressive package of documents, which may take a significant time.

Tariffs of the salary project

For legal entities and IP

The cost of servicing the salary project in Sberbank for the organization is formed on the basis of several components:

Commission for connection.
Subscription fee.
Percentage of translations.
Percentage with enrollments.

If you do not have a valid p / s in Sberbank:

Connecting to the Sberbank Business Online system will be 960 p. One-time + for each hardware token at 1400 p. ("Cloud Signature" with disposable SMS passwords - free of charge).
Subscription for the use of the DBC system - 650 r. / Month.
Commission from each translating zp - 0.1-0.7% (calculated individually based on the service region, the size of the wage fund and the number of employees). For example, in Central Russia, with the number of personnel in 10 people and photo 300 thousand rubles. The Commission will be about 0.15%.
Cash enrollment by electronic translation - free, making through the cashier - 1%.

If an IP or organization already has a r / s in Sberbank:

Connection and maintenance is carried out on the Tariffs of the package or Agreement on the RKO (here it is necessary to separately specify that the project can be connected even to the packages from the Light Start line, where there is a fully free service package).
The Translation Commission is calculated from the same principle - 0.1-0.7% (it does not depend on the presence of P / S in the Bank).
In addition to the methods indicated above (translation / cash desk), the use of funds to the account can be carried out by self-usage (through a business card) - 0.15% (unless otherwise provided by the package).

For employees

Tariffs depend on the maps chosen by the enterprise. The bank in turn offers a large number of different solutions. The most popular are shown below.

Operation				The world is premium
Issue / reissue	Is free	Is free	Is free	Is free
Service in the first year
Service in subsequent years
Cash issuance		Free (within the framework of the daily limit)	Free (within the framework of the daily limit)	Free (within the framework of the daily limit)
Cash	Is free	Is free	Is free	Is free
Internet banking and mobile applications	Is free	Is free	Is free	Is free
Additional options		Overdraft under 20%	Overdraft under 20%	Increased limits for issuance and introduction. Overdraft no.
Bonuses / Cashback		Up to 0.5% (and from partners up to 20%) from the purchase are converted to "Thank you" bonuses	Up to 5% (and from partners up to 20%) from buying converted into the "Thank you" bonuses	Up to 10% (and from partners up to 20%) from the purchase are converted to "Thank you" bonuses, special discounts from partners

Shares conducted by the payment system are distributed on the cards.

Salary project for IP without workers

Often the PI, who opened the account in Sberbank, receive notifications that they are available to connect to a salary project.

In fact, it is just an automatic distribution. The use of a salary project for IP without employees in Sberbank, as in any other credit institution, meaningless.

Any funds from their own r / s entrepreneur can take off at any time without any additional reporting and penalties.

The presence of the SP-project of the PI for itself will not affect the credit history. For the Bank, you will still remain the owner of the business, and therefore, when issuing loans, it will rely on the turnover according to your account, and not on the listing within the SP project.

Cards for a salary project

The bank offers a wide range of card products, including for SP projects.

The most popular cards can be called:

classic (Platter systems World, MasterCard, Visa) - from 0 r. / year;
golden (world, MasterCard, Visa) - from 0 r. / year;
cards with bonuses from Aeroflot (PS Visa, Gold or Classic - from 450/0 r. / year, respectively).

There are other suggestions. The amount of the commission for annual maintenance and a set of available services, as well as certain bonuses and discount systems depends on the selected card.

Loans and mortgages for employees

Compared with ordinary customers, salary card holders are obtained:

reduced interest on consumer loans (2-1% lower than normal conditions + individual offers);
reduced mortgage interest (by 0.5-0.7% relative to the rest);
In addition, according to the size of monthly revenues, salary customers are invited to obtain a credit card with a pre-approved limit and deferment of the first payment up to 50 days.

The application procedure is significantly simplified (in some cases only passports or applications through an online bank).

How to connect / disable

To open a salary project in Sberbank without p / s, it will be necessary:

If you have a r / s in Sberbank, it is enough just to activate the service (you can do it through the operator by phone or online using the DBI system).

To disable the service, you need to contact the service department or download the document through the online maintenance system.

Sberbank is one of the largest banks of the country. For the coverage of the release of cards to list the salary, he also keeps the position of the leader. 450 thousand companies Already entrusted their finances to the bank, including the issue of calculation with working. One of the advantages of crediting money to pay salaries through Sberbank is easy in formation Registry I. short listed time Finance for payment card.

Salerbank's salary project is a contract of two organizations. On the one hand, the banking structure, with another individual entrepreneur. A corporate client undertakes on time to provide a register with data from employees, accounts and amounts to enroll. In turn, the Bank undertakes to quickly list the amounts of money on bank payment cards of employees.

All actions are carried out in remote mode. Provided banking operation time - 90 minutes. But as a rule, enrollment occurs within 10 minutes.

First of all, the corporate client is registered in the Sberbank Business Online service to connect services. After signing the contract in the Personal Account, a new section is activated.

Two experimental transactions are performed to verify the service of the service.

Salary project of Sberbank - tariffs for legal entities

Cooperation of legal entities and individual entrepreneurs with Sberbank makes it possible to enjoy the project such offers:

Calculations with employees, cash and non-cash operations;
Calculation of sums on a bank card;
Cashing your own money;
Opportunity carry out operations remotely via the Internet service.

The design of the contract occurs on a fee basis. The cost of maintenance of the project depends on the amount that will be listed monthly through the Internet service.

If the corporate client uses additional services, then loyalty programs may be organized for it.

For corporate users, the listed salary is organized on such conditions:

Tariffs and services for the provision of services may vary depending on the turnover of money and connecting additional services.

If a company employee wants to get an individual card, the Commission on it will be clarified personally by the Bank's employee.

Offers for IP without employees

Legally provides that an individual entrepreneur cannot accrue wages herself. Often, the design of the wage enrollment is a tool for transferring funds to an individual of an individual. It is more profitable for the owner of the accounts, since this is the same person.

The income of the businessman is translated through the account, open to crediting salary. Z. armplight project Sberbank for IP without employees allows you to reduce the commission for transferring money up to 0.3%.

Banking operation is carried out through sberbank service online - Salary project for small business entities. For the output of funds, the entrepreneur independently forms the registry for enrollment. Payment refers to category " other payments».

Benefits for salary recipients

If the organization becomes a customer of Sberbank to transfer money to pay, its employees and accounting are becoming owners of a number of advantages.

Salary project Sberbank - instructions for an accountant:

First of all, accounting can use simplified salary issuance. Accrued funds are listed on the payment bank card. There is no need to lead a large amount from the bank in the organization, to ensure their safety and organize the issuance of employees.

Behind the accountant remains accrual of wages, work with taxes, drawing up a statement For the bank. According to the salary statement, funds are transferred to employee payment cards.

For representatives of small entrepreneurship, Sberbank card for salary accrual is a great opportunity to save on the work of the cashier.

In addition, you can organize the transfer of wages through Sberbank without opening the current account.

Positive moments receiving a salary for employees of companies through bank cards:

opportunity get cash At any time after charging at a convenient time and in any ATM;
sufficient number aTMs working without commission;
ability to remove any amount of money at any time;
opportunity translate money without commissions;
possibly carry out cashless payments, pay online shopping, pay utility bills, pay taxes;
attachment " mobile Bank"Gives many opportunities for their users;
after six-month cooperation, the client can apply an additional banknotes of Sberbank, as well as take advantage of mortgage and consumer loans on preferential terms;
can be done duplicate payment instrument for your family;
the card can be framed on the condition;
bank card owners often become participants shares and enjoy different bonuses.

An accountant of enterprises have another advantage. This is the ability to enumerate funds yourself through your personal account. And also perform an online number of other procedures. To enter your personal account there is a login and password, which accountant receives when connecting this service.

Sberbank card is profitable and convenient for both corporate clients and individual users.

Video: Benefits of using a salary project from Sberbank

Sberbank is recognized as the first institution in the country that implemented a salary project. Now this program is used by most organizations - after all, the advantages of this method of wages have significant meanings. This is especially true for individual entrepreneurs - the need for additional activities and the content of unnecessary equipment is disappeared. However, there are certain nuances even if IP has no workers.

Is there a need for entrepreneurs to execute a salary project

The salary project of Sberbank is an effective option to achieve complete optimization for individual entrepreneurs and legal entities. With it, it is possible to ensure a significant simplification of the payroll procedure. In addition, other advantages are available to the project participants who contribute to the explicit increase in the organization's activities.

Is it possible to become a member of the salary project when IP without workers

The Ministry of Finance of the Russian Federation was repeatedly highlighted that the IP had no right to accrue and pay the salary to himself. At the same time, it is not uncommon when an entrepreneur is used by a salary project, even if there are no workers in its subordination. It is due to the fact that with the help of such a service it is possible to achieve a decrease in interest when transferring monetary sums from the IP account on a physical person card.

If you judge the reviews, the salary project of Sberbank for IP without employees involves a decrease in commission fees up to 0.3%.

Advantages of the program for small / medium-sized business owners

The program under consideration has considerable advantages and in relation to small and medium-sized business representatives:

significant simplification of the procedure for providing wages to employees of the organization. For example, there is no need to transport funds, allocating equipment and premises for their storage;
no need to spend time on issuing salary to each employee - especially this is true for large companies;
accounting is removed by a significant reservoir of unnecessary activities;
small enterprises can save cashier on remuneration;
ensuring the security of document management with the bank;
allocation of premium card management;
help with 1C software;
the ability to verify the status of processing documentation and transfer of cash on maps of individuals in online mode.

Among other things, a legal entity can receive an additional function "Bank at work". According to him, representatives of the financial institution arrive in the organization for consultation in place.

How to become a member of the salary project

Cooperation of IP and Sberbank is carried out on a contractual basis. To gain access to the salary project, the applicant will have to ensure the compliance of its own candidate to the presented conditions.

Existing conditions

The Sberbank project takes into account individual conditions for those who have CCM, and without them. In particular, the following preferential tariffs are provided:

lack of commission for registration and maintenance of the card;
cash cash without charging within the established limit;
the possibility of receiving a card with more favorable conditions when making a unique tariff plan.

Features of each version of the salary project can be clarified on the official Sberbank website.

Connection order

To gain access to participation in the salary project, you can use one way:

visit the official website, familiarize yourself with the options provided for and explore the terms of granting. After that, you should fill out an application and send it through your personal account;
personally appear in the branch of Sberbank, which is engaged in issues of legal entities, and place a request in it;
to provide the necessary data on the phone - for this it is enough to connect with the bank manager.

After the application is signed, the Bank provides the client all the requested information on the tariff of interest. Next signed a bilateral agreement. The applicant sends all the documents to the financial institution in which the necessary data for each employee is contained. Within 10 days, the Bank releases nominal maps for each person specified in the application.

What problems may arise

The main problem is a refusal of the employee from getting a new card. Many simply do not want to multiply "plastic", others prefer cash, the third fear of establishing a credit limit.

As for obvious minuses for the organization, this is the payment of the Commission and the need to repay mandatory amounts on the annual maintenance of cards. However, alternative losses in the case using the standard salary provision is much higher.

Offers from competitors

In addition to Sberbank, the salary project is provided with almost all the largest banks:

VTB 24 is offered esquins at a reduced rate;
Alfa Bank is a flexible tariff plan;
Tinkoff - free map design, cachek up to 30%;
Rosselkhozbank - special conditions for agricultural workers.

In general, each institution has its own characteristics, so the applicant without any problems will find the conditions necessary for itself.

findings

If we consider the salary project of Sberbank for IP without employees, then what is the trick of this offer? In fact, no unforeseen risks are observed in this situation. The entrepreneur just pursues the goal of reducing the commission. For the bank, this time is permissible due to the desire to expand the client base and to control the statistics of the provision of an urgent service towards positive dynamics.

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In the modern world, cash is replaced with plastic cards. The use of "plastic" in many situations is much more convenient, and Internet banking makes it possible to pay any accounts. Therefore, it has acquired a prevalence such a phenomenon as a salary project for IP.

What it is

Many are interested in what is a salary project? This is a contract with the Bank, within which the organization or entrepreneur has the ability to translate its employees to plastic cards.

Initially, in the framework of the salary project, large industrial enterprises were provided, but the development of the banking sector led to the availability of services for legal entities and private entrepreneurs.

Financial regulators offer comfortable salary project conditions, which can be compared on bank sites. At the same time, they do not bind the provision of services to the number of employees in the enterprise. There is even the opportunity to issue a salary project of Sberbank for IP without workers.

Banks want to expand the range of potential customers and focus on servicing employees of a particular organization or IP.

The essence of the salary project is to release a debit plastic card (most often due to the organization) and transferring employees to it.

Such an opportunity is enshrined by labor legislation and may be displayed in an employment agreement with employees or a collective agreement.

All leading banks of the country are offered to issue a service. To obtain it, it is enough to conclude an agreement with the credit institution to ensure the accompaniment of salaries of employees.

When drawing up a contract you need:

Pros for workers

Participants in salary projects face pluses and minuses of services.

Advantages for employees who are issued as a salary project:

On video: Accounting 3.0, lesson №32 - Payroll payment for cards

The employer who decided to issue a salary project receives:

What banks get

Credit organizations that provide the service salary project online, also remain in plus:

the client base is growing. It promises an increase in credit projects, since the minimum risk for the financial regulator;
money of employees listed on the account remain intact until a certain time, which allows the bank to dispose of them;
if IP is conducting a business online, a salary project will include payment to the Bank of the Commission, a monthly fee and other fees provided for by the Treaty.

Documents for switching to such a wage scheme

For the service "Salary Project for IP" requires an application from each employee of the Organization with the expansion of the desire to receive earned money on a plastic card. Additionally, you need to attach a copy of the passport.

The instruction for an accountant at the conclusion of a contract with each employee includes the requirements of alerts on the rules for the use of "plastics" and the cost of all the main types of operations included in the salary project register.

Responsibility in drawing up a contract for the salary project of Sberbank for IP is the provision:

company's charter;
full list of workers. A salary project for IP without employees excludes this item. It will be enough to provide the passport of the entrepreneur;
other documents at the request of the bank. Their list is not enshrined by law and will be determined by the credit institution on their own.

Bank offers

Almost every large bank on the territory of the Russian Federation offers services for the accompaniment of wages of employees of the organization or IP.

Some credit organizations are developing plans for budgetary institutions, others offer to establish ATMs in the office of companies.

Each bank tries to attract a potential customer with a unique proposal.

leading three banks:

Salary project Sberbank. The largest bank on the territory of the country offers accompanies of the movement of funds within large organizations, public sector enterprises or IP. Sberbank provides an opportunity to receive an international plastic card serviced in all branches of the bank. After six months, the Client's Card receives the possibility of a simplified procedure for issuing a credit card or loan on preferential terms. Very often, an employee is not required to write a statement. Salerbank's salary project involves the visit of the Bank's employee to the organization for the design of the necessary documents. Top managers and chapters of companies can enjoy premium cards under the contract. The cost of servicing the card Gold Sberbank will be 3,000 rubles. For the first year.
Salary project VTB24. For participants, the release of Visa and Maestro cards is proposed. VTB Bank, whose salary project is subject to 0% commission, offers esquins at a reduced rate - only 1.64%. When you connect the service, you can open your personal account and carry out operations on the protected 3D Secure technology. To order the service you need to call the hotline. Document registration takes no more than 7 days.
Salary project Alpha Bank. This comprehensive solution designed to simplify the procedure for accrualing and paying salaries, which confirm the reviews of the staff receiving money on the cards of this bank. The tariff for the salary project is flexible. The bank offers the lack of lifting limits in ATMs during the day, individual tariff plans for service, lack of hidden commissions.

Other credit organizations

In addition to the main players on the financial arena, there are less large regulators offering to use salary card issues:

Tinkoff salary project. Another successfully developing bank leading his business online is the "brainchild" Oleg Tinkov. Reviews about the salary project are only positive. The bank offers a map of the map completely free, with a zero commission for the removal of cash and delivery of the released plastic at the specified address. One of the "chips", which offers a bank - cachek on a card in the amount of up to 30% and 7% per annum on the balance on the card account. Round-the-clock technical support will help solve any question.
Rosselkhozbank salary tariff. The salary maintenance tool is not only for agricultural state employees, but for everyone who wants to benefit and convenient tariffs. The official website of the bank offers to familiarize himself with the terms and maintenance of "plastic".
Salary project Mir. As part of the creation of the National Payment System, it was decided to launch the brand world aimed at ensuring the movement of funds among the employees of the budget sector. Since 2018, on the initiative of the government of state employees will be obliged to pay only for a salary map "Peace".
Salary project discovery. "Young" bank offering a salary project service. The instruction on the opening of the card and draw up the contract is provided on the site. The positive difference of discovery offers is the delivery of "plastic" to the house and the complete absence of the fee for removal, and the maintenance of the card account.
Project from europe bank. Another small bank, which makes it possible to issue support for the salaries of employees of the IP. The credit institution offers a number of advantages: the release of a premium segment cards for managers, connecting the SMS-information service. Another advantage, which gives a salary project - a loan on preferential terms. Accountants confirm high quality service on Europe Bank.

Configuring software support

The presence of software to simplify accounting allows you to conduct a salary project in 1C. The program supports the possibility of making the accrual of employee remuneration, transfer the necessary amount to the bank, conducting electronic document management.

The salary project in 8.3 (the latest version of the program) allows you to pay salaries and managing personal data of each employee.

To configure, you need to enter the "Payments" menu and create a new salary project.

The instruction for the accountant is in the software documentation.

You must first fill in the bank details by selecting it from the drop-down list or entering all data manually. When using electronic document management procedure, this fact should be specified in the settings. After filling the necessary fields, the created file must be saved and closed.

On video: salary plastic card entrepreneur

Source: https://biznes-pros.com/nuzhen-li-ip-zarplatnyj-proekt.html.

What conditions can offer salary project Sberbank

Sberbank is one of the largest banks of the country. For the coverage of the release of cards to list the salary, he also keeps the position of the leader.

450 thousand companies Already entrusted their finances to the bank, including the issue of calculation with working.

One of the advantages of crediting money to pay salaries through Sberbank is easy in formation Registry I. short listed time Finance for payment card.

Project conditions

Salerbank's salary project is a contract of two organizations. On the one hand, the banking structure, with another individual entrepreneur.

A corporate client undertakes on time to provide a register with data from employees, accounts and amounts to enroll.

In turn, the Bank undertakes to quickly list the amounts of money on bank payment cards of employees.

All actions are carried out in remote mode. Provided banking operation time - 90 minutes. But as a rule, enrollment occurs within 10 minutes.

First of all, the corporate client is registered in the Sberbank Business Online service to connect services. After signing the contract in the Personal Account, a new section is activated.

Two experimental transactions are performed to verify the service of the service.

Salary project of Sberbank - tariffs for legal entities

Cooperation of legal entities and individual entrepreneurs with Sberbank makes it possible to enjoy the project such offers:

Calculations with employees, cash and non-cash operations;
Calculation of sums on a bank card;
Cashing your own money;
Opportunity carry out operations remotely via the Internet service.

The design of the contract occurs on a fee basis. The cost of maintenance of the project depends on the amount that will be listed monthly through the Internet service.

If the corporate client uses additional services, then loyalty programs may be organized for it.

For corporate users, the listed salary is organized on such conditions:

Tariffs and services for the provision of services may vary depending on the turnover of money and connecting additional services.

If a company employee wants to get an individual card, the Commission on it will be clarified personally by the Bank's employee.

Offers for IP without employees

Legally provides that an individual entrepreneur cannot accrue wages herself.

Often, the design of the wage enrollment is a tool for transferring funds to an individual of an individual.

It is more profitable for the owner of the accounts, since this is the same person.

The income of the businessman is translated through the account, open to crediting salary. Salary project Sberbank for IP without employees allows you to reduce the commission for transferring money up to 0.3%.

Benefits for salary recipients

If the organization becomes a customer of Sberbank to transfer money to pay, its employees and accounting are becoming owners of a number of advantages.

Salary project Sberbank - instructions for an accountant:

First of all, accounting can use simplified salary issuance.

Accrued funds are listed on the payment bank card.

There is no need to lead a large amount from the bank in the organization, to ensure their safety and organize the issuance of employees.

Behind the accountant remains accrual of wages, work with taxes, drawing up a statement For the bank. According to the salary statement, funds are transferred to employee payment cards.

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What are the bonuses thanks from Sberbank and how to use them: bigbinary.ru/money/other/spasibo-ot-sberbanka.html

In addition, you can organize the transfer of wages through Sberbank without opening the current account.

An accountant of enterprises have another advantage. This is the ability to enumerate funds yourself through your personal account. And also perform an online number of other procedures.

To enter your personal account there is a login and password, which accountant receives when connecting this service.

Sberbank card is profitable and convenient for both corporate clients and individual users.

: Benefits of using a salary project from Sberbank

Source: http://bigbinary.ru/money/other/zarplatnii-proekt-sberbank.html

How to organize a salary project in the organization?

Want to minimize the costs of non-cash settlements with employees? It will be necessary to issue an agreement with the Bank and open slave card accounts, to transfer money.

The conditions of such a contract must be beneficial not only by the company, but also an employee. Otherwise, he may require transfer through another financial structure, and the law will be on its side.

What it is?

A salary project is called one of the methods of non-cash fulfillment of obligations to employees.

Within the framework of this scheme, the company chooses a credit structure to perform operations related to issuing remuneration, takes upon all the concomitant expenses and the solution of organizational issues.

To enumerate funds, the name of each employee opens and the plastic card is available.

Why and what is needed for?

The implementation of the salary project is, first of all, the reduction of the costs of the organization related to the issuance of complaints.

This can be attributed:

simplification of document management and work of the accounting group of accounting;
reducing cash transportation costs;
save work time, since there is no need to tear off subordinates from the execution of direct duties.

Wage transfer from the Company's account in favor of individuals who are clients of one credit structure are carried out in accordance with the terms of the agreement concluded with the Bank:

money is sent by the total amount of the organization's payment order;
the accrual of remuneration to employees is reflected in the registry, which is provided with a financial institution no later than the day following the transfer of instructions on the implementation of the operation;
based on the data contained in the received statement, the funds will be divided into card accounts of employees;
the registry must contain the name of each employee, the details of his account, the amount to be enrollled, the signature of authorized persons and print printing;
if the credit institution does not receive the necessary lists in the above time, it will not be able to pay salary and return the company's money for five days after receiving the ward.

Advantages and disadvantages

The attitude to the salary projects of banks by business is very ambiguous. This is due to the fact that the terms of cooperation depends on the set of parameters and therefore are determined individually.

For Bank

To date, the contract for the enrollment of complaints on card accounts of workers cannot be attributed to the category of independent financial products that make profit by the loan institution.

It is rather a tool to attract retail customers with a predictable level of regular income.

Thus, the salary project opens the bank to access a large amount of information. This allows you to draw adequate proposals and calculate the risks, which has a special value for financial structures.

They, in turn, are ready to make maximum efforts to attract new organizations to cooperate.

This can be attributed:

zero commissions for enrollment;
free card service;
preferential lending;
no requirement for opening an account;
connecting companies with a small staff (from one person).

For the company

Regarding the company, a salary project is an opportunity to save time and money:

powered for employees' cards is sent without commission;
no need to recruit a huge amount of payment;
no need to store and transport large sums;
you can make a loan on favorable terms;
it is convenient to pay with employees who are missing in the office.

As weak points of centralized payout, the heads of organizations call the following:

additional costs and maintenance of plastic;
disagreement subordinates to join the chosen system of calculations;
the probability of a bank failure from the prolongation of the agreement next year.

For staff

Employees pay attention to product product properties and general banking service parameters.

Therefore, the presence of advantages and minuses is estimated depending on a number of conditions:

plastic category;
the number and availability of terminals;
cash-back;
percentage on the residue;
commission for cash withdrawals;
availability of information;
internet bank;
preferential proposals for other products of the financial structure.

How to arrange and organize a salary project in 2018

A good scheme of non-cash settlements with employees should solve two important needs of the company:

saving money;
simplification and transparency of business processes.

To achieve the goal, it is necessary to competently approach the choice of the product and comply with the norms of the Labor Code of the Russian Federation.

What do you need?

According to the legislation, the payment of salary employee by transferring funds to the bank account must be enshrined by local acts of the enterprise.

If this condition is not yet spelled out, it should be added to the collective agreement, or to make an additional agreement to the employment contract.

In addition, it will have to prepare the regulations for the use of cards and make changes to accounting policies.

Stages of transition

To prevent an error, when making a salary project, you must follow the following algorithm:

make an order for issuing remuneration for the implementation of labor functions by non-cash;
get the written consent of each employee;
make appropriate payment records through a bank account to local acts of the organization;
to conclude an agreement with the credit structure on the operations to enroll salaries on the cards of employees.

Documentation for bank

To make a contractual relationship with financial institution, you need to submit a package of documents:

the list of persons with whom the company trusts transfer the bank to pay for a salary (in paper and electronic form);
a list of employees authorized to certify Vedomosti for enrollment, with examples of signatures;
register of workers;
agreement on the provision of a card;
application-commitment of each subordinate;
certified duplicates of identity cards subordinates;
remuneration schedule.

Conclusion of the Treaty

For the practical implementation of the project, the Company's head must be signed with the Bank an agreement that establishes the procedure for servicing the transmission of salary funds for employee card accounts.

The form of a document, as a rule, provides financial structure.

Cost and maintenance

Today in the rules of many banks you can find products with a minimum commission. The purpose of such proposals is to attract customers. At the same time, the users of salary projects have to bear some costs.

Such expenses are related and translated separately.

For example, at the expense of the organization is paid:

making and maintenance of cards;
remuneration to the bank for transferring money to employee accounts.

The worker, for his part, can spend only on the removal of cash in a third-party ATM.

Registration in the organization

After the conclusion of the agreement with the credit institution for each individual, which is a member of the project, the score opens and is issued.

The company's management, in turn, is obliged to publish the order for the introduction of a new scheme, indicating the date of the beginning of its action.

Sample order:

Notification of employees

The Labor Code of the Russian Federation establishes the obligation of the employer on the day of the congestion of complaint to represent each subordinate settlement sheet containing the following information:

composite parts of the salary in the corresponding period;
other accrued amounts;
retention;
the amount of funds to be issued.

Need or not applications of employees?

According to the current legislation, the organization of settlements with employees in non-cash form is impossible without their consent.

Therefore, written confirmation of such an agreement is mandatory and must be submitted to the bank with the package of documents.

Card enrollment process

To transfer the salary accountant to make several steps:

prepare a payment on a total amount and send it to the bank;
make a registry of salaries, assure and transfer it to the financial structure serving operation, in paper or by telecommunications networks;
funds will be divided into accounts according to the statement no later than the next day.

Accounting wiring

The transfer of remuneration for the implementation of labor functions on the cards of employees is recorded in taking into account the following: Debit 70 Credit 51.

How to add a new employee?

If a newcomer appeared in the organization, then to attach it to the current non-cash payment scheme, it will be necessary:

get the written consent of the employee;
open an account for him and release a map;
include the necessary information in the registry.

Do I need to reflect in the employment contract?

Based on Article 72 of the Labor Code of the Russian Federation and Article 136 of the Labor Code of the Russian Federation in the labor or collective agreement, the following items are necessarily included:

about the introduction of cards;
on the transfer of salary to the bank account.

Situation when dismissing workers

In case of termination of the contract with the company, the employee has the right to continue using plastic, provided that it will carry all related expenses on its own.

Questions

To date, employees of many organizations have become participants in salary projects.

Trying to attract new customers, banks offer products on various conditions, which generates misunderstanding. Some problems faced by users are shown below.

Is it possible to arrange for IP, including without employees?

In an employment contract concluded between an individual entrepreneur and his employee, you can add the possibility of non-cash calculations and in the future to organize a salary project.

If IP operates on the bottom of the face, it can use the specified scheme to reduce the commission.

In this case, the registry is formed indicating the purpose of the translation as other payments.

Is it profitable to decorate with large frames frames?

If you choose a product with free maintenance and release of cards, you can avoid excess costs and save.

Is dividend payments possible through such a project?

Shareholder's income in the distribution of profits are not considered salary.

Such a translation is a violation of the norms of the Labor Code of the Russian Federation.

At the same time, if you make the necessary changes to the employment contract and obtain the appropriate statement of the individuality, the indicated action will become quite admissible.

What is "other payments" in the project?

These are not related to the salary of transfer in favor of employees or their dependents, such as benefits, compensation.

Can an employee abandon the card?

Legislation allows an employee to independently choose a way of obtaining remuneration.

Is it possible to place for free?

The product line of some credit structures presents such conditions.

How to organize organizations to work in the project?

The procedure for termination of the contract must be registered in one of its items.

Is the organization possible in several banks possible?

Yes, if you manage to conclude relevant agreements with different credit institutions.

Who pays for service cards?

While the employee is listed in the organization, it takes on all costs.

reference Information

To select the most profitable salary project, you must take into account several parameters:

connection cost;
commission's size;
reduction of labor costs;
availability of Internet service;
additional bonuses.

At the same time, the credit structures themselves considering potential customers, in most cases they select an individual work scheme, estimating, first of all, the size of the wage foundation and the number of employees.

Terms of banks

Offers of financial institutions are easiest to systematize on the following characteristics:

price issue card;
annual service costs;
preferential loans and additional rewards.

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