Salary project in another bank: transfer procedure, rights of employee and director

Payroll projects of banks - advantages of comprehensive cooperation

Companies that pay employees salaries on cards, as a rule, work with banks within the framework of so-called “salary” projects. Such cooperation is very beneficial for all parties - the employer, the financial institution and the employees themselves.

Benefits of “ salary ” projects for the bank:

Attracting a large number of clients – individuals;
The ability to offer new clients related services and programs (for example, lending);
Payments on cards (for example, charging commissions) are not carried out with each cardholder separately, but centrally - through transfers from the company’s accounting department;
If overdrafts are opened on cards, debits also occur automatically after the salary is calculated, which means the bank reduces the risk of non-payment.

Benefits for the employer:

Simplification of the work of cash registers and accounting - salaries are calculated by pressing a couple of keys, and the bank transfers money in the shortest possible time. Thus, there is no need to maintain voluminous payslips or waste employees’ time on issuing salaries;
Ease of payments to remote departments - employees do not have to come during working hours to receive salaries;
Ease of accounting;
No costs for collection of large amounts;
Favorable conditions for salary projects (the bank can offer a variety of benefits to large companies or completely cancel commissions);
The bank offers discounts and special conditions for other projects and programs.

Benefits for company employees:

There is no need to waste time and money on visits to the accounting department and queuing at the cash register;
Increased security – money on the card is protected from theft;
The salary card for employees is absolutely free - there are no fees for maintaining an account, etc.;
Banks offer “salary” clients preferential terms for overdrafts and consumer loans - this is associated with less risk for the financial institution, because it can control the level of income of the borrower and write off the salary card if necessary;
Clients who have unresolved monetary disputes (for example, there is a court order to pay off a loan debt) can use the card on a general basis; only the portion specified by law will be debited from their salary to pay off the debt. If another debit “plastic” is issued, the funds on it may be blocked completely to pay off obligations.
The card is issued by the employer, the employee does not waste time choosing a bank and preparing the necessary papers.

Although the benefits of salary projects in comparison with issuing cash through a cash desk are obvious, situations often arise when an employee is not satisfied with the bank with which the agreement was concluded.

In what cases may an employee want to change banks?

In fact, situations when an employee does not want to be served by a “salary” bank are not uncommon. However, employees rarely change financial institutions, fearing conflicts with management, accounting, and also not wanting to waste time on obtaining another card and the necessary applications. But still, in some cases such actions will be justified:

You have changed your employer and need to change your salary card to another bank. This situation in itself is not a problem, but if you have an established relationship with your previous bank and you actively use its services, then it would be desirable for your salary to be transferred there.
The situation described above may also arise in the case when you did not change your job, but your company decided to change the servicing bank.
You have a loan from another bank (especially if it is preferential as part of a previous “salary” project). Of course, it will be convenient for you to receive money into an account at this financial institution, and then repay the loan without fees and time spent on withdrawing money from an ATM and visiting the lender's branch.
There are no offices or ATMs of the bank chosen by your employer in your locality, or you are not satisfied with their work schedule. This situation occurs quite often in large organizations with centralized accounting and a branched structure. The capital bank chosen by the employer can only have branches in large regional centers and cities, and employees from small localities will have to travel there to withdraw their salaries. In such cases, employees, as a rule, strive to change the bank to a large one, the branches and terminals of which are “in every village” - for example, Sberbank.
There are no benefits for salary clients - loans at reduced rates, bonuses, discounts, overdrafts, cashback, etc.
You are not satisfied with the bank's services - for example, there is no online account or it has limited functionality, you are not able to transfer money between accounts, open an additional debit account for savings, etc.

Why do such situations happen?

Each organization draws up a salary project with the bank under certain conditions. For the company itself, the conditions offered by banks are more interesting, and it often does not take into account the wishes of its workers. The organization transfers funds to a bank account once or twice a month with one payment order, and issues identical bank cards to all its employees.

But the company employee himself may not be entirely comfortable using the proposed bank:

Inconvenient location of terminals and ATMs. Many people are accustomed to withdrawing funds or paying various payments through technical devices of banking organizations located near their home or in the nearest shopping center. But the ATMs of the bank chosen by the employer may have an inconvenient location for a particular employee.
Office opening hours. Not all banking organizations are ready to work 12 hours a day, seven days a week. Some financial companies have offices open 8 hours from Monday to Friday, which may coincide with your work schedule. Therefore, contacting bank specialists directly can be difficult, which is also a negative factor.
The bank has poor performance and its performance becomes illiquid. In this case, the Central Bank warns a specific banking organization about the possible closure of its license. And if you have a bank account with this bank, we also recommend writing an application to transfer your salary to a card of another bank.
There are no quality bonuses from participating in the salary project. Many banks offer discounts in the form of reduced interest rates on loans or mortgages for those clients who participate in the salary project. Therefore, a person receiving a salary from a certain bank expects benefits when applying for a loan, but not all banking organizations offer acceptable conditions.

It should be noted that every citizen of the Russian Federation has the right to receive wages from another bank.

Does an employee have the right to change the “salary” bank?

So, you have the motives and desire to change your salary card to a plastic card from another bank. Let's figure out whether the employee has the right to take such actions, or should we trust the accountant who convinces us that such actions are impossible?

The law is clear about the employee’s right to independently choose a bank for service:

Part 3 Art. 136 of the Labor Code of the Russian Federation: “remuneration is paid in cash or transferred to the bank account specified by the employee under the terms of the employment agreement”;
Article 1, Part 1 of the Civil Code of the Russian Federation: “citizens (individuals) and legal entities acquire and exercise their civil rights of their own will and in their own interest,” while any infringement of such rights is recognized as a violation of the law.

Thus, an employee of an organization is the only person who has the right to determine into which account he receives his salary. However, in practice, the situation is exactly the opposite - employers enter into a salary agreement with a specific bank and do not seek to make exceptions for employees who do not want to be serviced by this credit institution.

It is worth remembering: your desire to change the bank is legal only if the collective agreement with the employer does not stipulate the latter’s right to independently determine the bank for the salary project. If you have signed such an agreement, it means that you have voluntarily limited your rights in choosing a plastic card.

If there is no such clause in the collective agreement or employment agreement, you have every right to contact the accounting department of the enterprise with an application to change the “salary” bank. However, to do this, you must first select the most suitable card.

What does the law say?

Until 2014, the law allowed the employer to choose the bank to whose cards he would transfer the salaries of his employees. But then amendments were made to the Labor Code allowing employees to independently choose the bank in which they will be serviced. This is written directly in Art. 136 Labor Code of the Russian Federation:

Wages are paid to the employee, as a rule, at the place where he performs the work or transferred to the credit institution specified in the employee’s application , under the conditions determined by the collective agreement or employment contract. The employee has the right to change the credit institution to which the wages should be transferred by notifying the employer in writing about the change in the details for transferring wages no later than five working days before the day of payment of wages .

How to choose the “ideal” salary card

In the case when the desire to change bank is caused by the fact that you are already a client of another credit institution, and it completely suits you, there are no problems with choosing a card. If you don’t yet know which card to apply for, we offer our recommendations:

Find out whether your chosen bank will consider your card as a “salary card” - only in this case will the financial institution offer you preferential terms of service and lending along with other participants in salary projects;
Be sure to issue a personalized card with the maximum number of degrees of protection - this way you will protect your money from fraudsters;
Check the fees for transfers between accounts, card issuance and maintenance, etc. – after all, if you issue a card yourself, you will have to pay for them;
Experts do not recommend keeping all funds on a salary card - this is very risky. The ideal option would be to register several products in one bank: a payroll debit for receiving income and current payments, a credit card for unexpected expenses, a deposit account for savings. If you often pay with a plastic card (especially on the Internet), it makes sense to get another debit card to secure the income transferred to your salary. It is very important that the bank makes it possible to quickly and without commissions make transfers between savings, credit and “salary” accounts;
Familiarize yourself with the capabilities of your online account, find out the amount of commissions for paying for mobile communications, Internet, and housing and communal services;
If you want to give your family access to your salary account, you will need additional cards - check with the bank to see if the selected tariff allows them.

So, if you have already decided on a bank and are ready to switch to it for payroll services, let’s talk about how to carry out this procedure as quickly as possible.

How to change bank - step-by-step instructions

Are you wondering what needs to be done to change your salary tank? We offer you step-by-step instructions:

Step 1. Determine if you really need it. Changing a bank is fraught with the loss of some benefits, the expenditure of time and effort on issuing cards, and there may also be a conflict with management.
Step 2. Choose a bank if you are absolutely sure of your decision.
Step 3. Complete an application for card issue at the selected bank. Depending on the credit institution and your region, issuing a card may take from 2-3 days to several weeks - please note that during this period you will not be able to withdraw your accrued salary from an ATM;
Step 4. No later than 5 days before your salary is due, make a written application with a request to transfer your income using the details specified in it (you need to indicate the full account details, not the card number).
Step 5. Sign the application from your manager and accountant.
Step 6. Receive an additional agreement from the HR department to change your salary card details.
Step 7. Receive your salary on the card of your choice!

As we can see, the procedure for switching to a salary card of another bank is quite simple. However, it contains several problems that must be discussed.

How to receive a salary on a card from another bank?

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For many years now, salaries have not been issued in standard cash registers. It arrives on the card on a strictly established day of the month. As a result, the employee becomes tied to a specific financial institution, being a payroll client. But is it possible to receive a salary on a card from a bank other than the one offered by the employer? This is not prohibited at the legislative level. But this imposes certain difficulties for the employer. Therefore, these manipulations are sometimes associated with problems.

When should you change your salary card?

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It is necessary to change your salary card to a card from another bank if there are compelling reasons. After all, this is a waste of time, effort and partly money. Typically, people make these changes if:

There is poor service. That is, there are few terminals and ATMs. By the way, you can read about the differences between these devices here. Problems with technical support, inconvenient bank work hours and everything else;
The bank is weak. There is a risk that it will be closed by revoking its license. Then your salary may get stuck somewhere, as often happens. So change must happen;
Unprofitable banking services. You want to take out a loan for a payroll client. And they offer you something strange and expensive. Then why be a salary earner at all, since everything is so minor?

In general, you may have other reasons that you may not disclose. The law is on your side, so go ahead.

Is it possible by law to receive salary on another card?

Article of the Labor Code: Labor Code of the Russian Federation, Part 3.Article 136 directly states that an employee of an enterprise can choose the bank through which the employer will transfer his remuneration.

This means that according to the law, you can receive your salary on a card from another bank. Although, such a right was not prescribed before.

Today, the law states that you have the opportunity to notify your superiors at least 5 days before your salary date about changing the bank. During this period, the company must prepare everything from the technical side. Failures in transferring money are not allowed.

But all this forces the employer to make different payment orders, which is expensive. It is not uncommon in practice for all employees to be serviced by one bank and this is not discussed.

How to change a salary card? Step-by-step instruction

To perform this manipulation, you should:

Write an application in free form, which will indicate the new card details where you want to transfer your salary;
Sign this document with the manager and chief accountant;
Draw up an additional agreement or review the amendment to the employment contract;
Receive your next salary using new coordinates.

Remember that this requirement must be satisfied. If they ignore you or try to intimidate you, then you need to collect all possible evidence. And then you can contact the control authorities or even the court. This is your legal right. Do not forget.

Application to receive a salary on a card of another bank

An application to receive a salary on a card from another bank is free-form. But it should still contain:

Your full name - full name;
Chief's name;
Details of the new card;
Signature and date.

It is worth noting that the details of the new card must be specified in full. That is: checkpoint and INN of the bank, the bank account to which the card is linked (more about how to find it out here), the full name of the bank, for example: PJSC “Kirpich”, cor. account (correspondent account), BIC bank (this is a bank identification code, which is described in detail here).

The structure of the application is standard. Top right - to whom and from whom. Then in the center is your detailed request. And below is the date and signature. If you can't figure it out, contact your bank. Examples of statements are often publicly available there. In particular, Tinkoff Bank support itself issues templates for such papers.

When to expect a catch

It is worth noting that this operation is easy for large companies, especially if they are state-owned. Commercial companies that have opened recently have a good attitude towards this.

But old institutions operating like “Sovka” may refuse to transfer wages to another bank’s card. Because there's nothing. Don't contradict the parties and all that.

Another problem arises where there is only one accountant. After all, for one person this is a really serious load. It's much easier to have everyone in the same sandbox. But for large accounting departments there are absolutely no problems.

Pros and cons for the cardholder

If we talk about the disadvantages, the most important one is the deprivation of the status of a “salary client”. That is, you will not see preferential services at the bank. Because many people become paid at once, but not just one employee. The bank needs the quantity. Something like this.

Next, you may encounter inconveniences such as:

Payment for annual card maintenance. Somewhere around 500-700 rubles a year, sometimes less. Sometimes cards are made free for businesses. But a mere mortal is not allowed to do this;
Problems with the employer. We've already touched on this. Sometimes you have to fight for the right to transfer your salary to another account;
The need to pay a commission to the bank for transferring money. When there are a lot of employees, the bank can cut down the commission. But when you are alone, you can’t live without her. And you yourself understand that your boss will definitely not generously pay for it himself;
Confusion and confusion. Until everything settles down, you may be faced with transferring money to your old card or delaying your salary.

There are not many advantages, but they are obvious. This:

Choosing a bank that is really convenient and profitable for you personally;
The ability to independently manage your money;
Prospects for receiving additional benefits by searching for a super bonus card.

Alternative solution

If your stupid employer chose an extremely inconvenient bank to pay wages, and you strongly disagree with this, then you can go a different way. Just transfer money wherever you want.

That is, you received a salary on card “A”, and you immediately received it on card “B”. Then you will be able to achieve the desired effect without any problems.

The truth is that it's a waste of time. Although now such transfers are instant, but still. In addition, you may be charged a commission for such an undertaking. Therefore, it doesn’t hurt to find out all the nuances of your specific situation.

Next, make a test payment for a small amount. If everything is good and free, then the version may have the right to life.

Also, you can generally request wages in cash. And then put the money where you need it. This is the last century. But suddenly it’s easier for you personally.

Final tips

Since November 2014, amendments have been made to the Labor Code that allow employees, at their discretion, to choose the bank to whose card their salaries are transferred. You must know about this.

When you need to change your details, simply make a debit credit card at another institution. Find out her full details and write the statement discussed above.

Next, take this statement to management and accounting. But be careful. In any case, you will encounter unexpected problems.

Prepare for them in advance. And think it over carefully. If you don’t get great benefits and convenience, then you shouldn’t mess with it. This is the case when the arguments for a decisive step must be weighty.

In addition to the topic:

How does the bank transfer salaries to the card?

The money has not arrived on the card, what should I do?

What is the difference between a debit card and a credit card?

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Pitfalls of changing banks

Although the process of changing the salary bank is quite simple, in practice only a few use this opportunity. The reasons for this are quite compelling:

The employer is not required to bear the costs of changing a bank employee. This means that you pay all fees for issuing a card and maintaining an account, transferring funds, and additional services on the new card yourself.
Registration, re-issuance, and issuance of a new card is carried out by the employee personally and at his own expense, which leads to a loss of time and money.
If crediting to cards within the framework of salary projects occurs instantly (or within a few hours), since the transfer takes place between accounts in the same bank, then you will have to wait. Depending on the conditions and agreements between banks, crediting can occur either on the same day or within several days.
An employee, as a rule, loses most of the privileges and benefits available to salaried clients, including fast processing of loan applications and reduced loan rates. The exception is when the new bank is ready to consider your card as a salary card.
The main problem in case of changing banks, which stops many employees, is the risk of spoiling relations with management.

If the client clearly understands possible problems regarding the first three points, then the last point is quite controversial and such contradictions can be dealt with.

How to change your salary bank

In order to receive the money you earn on the card of the bank you are interested in, you just need to notify your employer in advance. Statement

The transfer of wages using new details must be
submitted no less than 15 days before the upcoming payment
. If you do not meet this deadline, the next transfer may come to your old card. However, the accounting department will be required to make the following transfers using the details specified by the employee.

In this case, the employer does not have the right to demand from the employee any other documents other than an application. For example, a stamped certificate from Tinkoff Bank (which does not have public service offices at all).

The only thing to keep in mind is that employees of budgetary organizations can have their wages transferred not to any eraser they wish, but only to a card with the national payment system “Mir”. However, the right to choose the bank that issues the card still remains with the employee.

According to the new law, a citizen can change his bank to receive wages at least every month

, without any restrictions.

If the employer is against

So, you want to change your salary card because you don’t like the servicing bank, but you are afraid of the wrath of management. It is worth clearly understanding that the Labor Code has been regulating this issue since 2014, and qualified personnel and accounting specialists are well aware of your rights. In any case, in large companies that value their reputation, there are no problems with moving to another bank.

If we are talking about a small private organization where the rights of employees are not observed so zealously, then there is a way out: you can remind the employer of the need to comply with Labor Code standards and your right to contact the labor inspectorate regarding the violation. As a rule, after this the application is still executed without any questions asked.

Note that there is another way out: if you do not want to enter into a conflict, and the management flatly refuses to fulfill your demands, then you can be the holder of two cards - a salary card imposed by your company, and an additional debit card, which will suit you in all respects. In your online account, set up an automatic transfer of funds from one card to another - and the problem is solved without wasting time, effort and nerves arguing with your boss or accountant.

What if an employee refuses to transfer to a salary project at another bank?

Today, an employer cannot legally refuse an employee to move to a chosen bank in accordance with amendments to the Labor Code since 2014.

Therefore, if an employee insists on paying for a salary card from another bank, if the organization has a current salary project, then you do not have the right to refuse him and the employee may not change his card.

In a situation where an individual employee, apart from the team, receives a salary on a card from another bank, the employee himself will pay for the annual maintenance of the card and the commission for transferring funds.

The employer must enter into additional agreements under employment contracts with each employee, where new data on service in another bank will be displayed.

We recommend material : opening a current account in Alfa Bank.

conclusions

Each of us has every right to independently choose which bank account to receive our salary (or even require the employer to issue funds in cash). This right is separately stipulated by the Labor Code of the Russian Federation. The reasons for not agreeing to service at the bank chosen by the employer may be different, but in any case, you only need an application indicating new details for the employer’s accounting department to begin making transfers using them.

You should not think that management will spend a lot of time or effort on executing your application - as a rule, it is enough to make the required settings in the program once and then not return to this issue. However, changing banks may entail additional time, fees and other difficulties, so it is worth determining in advance how much you need another salary card.

How is an application made?

How to transfer salary to another bank?

Transferring your salary to a card account in another bank is possible only upon your application. In this case, such an appeal addressed to the employer is drawn up no later than 5 working days before the expected payment.

It is necessary to fill out a standard form, which can be obtained from the accounting department, or write a handwritten application addressed to the manager with a request to transfer wages to an account opened in another banking organization. The sequence of actions will be as follows:

1. Contact the accounting department to write an application. 2. Compose an application in which you indicate the details of an account opened with a third-party bank. In the future, your salary will be received through this bank. 3. The application is signed by the boss and chief accountant at your enterprise. 4. If necessary, you will need to sign an additional agreement in connection with changes to the employment contract. 5. From now on, the funds will be transferred to another account using your details.

What should you pay attention to here? The main thing is that the employer does not have the right to refuse such a request. According to the law, you can want to change banks at any time. It is your right. If, nevertheless, the employer refuses, referring to the employment contract, demand a written refusal, and with this document you can safely contact the trade union or the prosecutor's office, since such a refusal is unfounded.