Pros and cons of corporate "Plastic»

Today, many employers prefer to pay staff salaries to bank cards. "Almost 80-90% of large and medium-sized enterprises and public institutions are sitting on the salary projects, especially true for the cities of the Central Region", - says Vice-President of the First Republic Bank, Dmitry Orlov. These projects are exempt from many of the company cares, including the Cash Register, collection, etc. The organization enter into payroll services in corporate banking, and banks offer a "card" product in conjunction with others. But what are we, the holders of imposed plastic, bringing the benefit of the employer's choice of a bank? The hardware the game. The first thing you pay attention to employees of companies - it's ATM network, as till now 90% of all card transactions is cash withdrawals. On the one hand, banks do a lot to the citizens paid cards in stores and service businesses. Other C - Russians still live in a world of cash and do not always have the ability to do without the cache. Employees of large enterprises are lucky. "If in the framework of the salary of the project the bank gets more than a thousand customers, it could put an ATM in the employer if the company employs 10 or 100 people, the installation of the device makes no sense, unless the organization itself will not assume costs", - says head Management of payment cards PSB Elena Bindusova. But the installation and maintenance of ATMs - not a cheap, so not all banks are engaged in active development of infrastructure. Therefore, employees of most companies have to carefully study the layout of ATM with the correct logo to avoid unnecessary commissions. As a rule, disappointments are inevitable: not always the right device is found close to home or office. Few of the Russian banks, except for that of the Savings Bank, boasts an extensive network of ATMs, and even around the clock access. Take, for example VTB24: live in the capital of 550 thousand zarplatnikov this bank, which account for 452 of the terminal, 99 - around the clock, of which the center (within the Circle Line subway) - only 34. Alternative search is too expensive: Bankcard Visa (Electron and Classic) rates of 1% of the amount of withdrawal, but not less than 200 rubles (in other banks' minimum threshold is 90 rubles). So, removing 1,000 rubles is not in the office VTB24, 20% of the amount necessary to give itself a service! Another example - the Bank "Zenith", which entered into contracts with a number of banks located in Lipetsk and Kazan. So Muscovites who are customers of "Zenith", must pay a 1% fee (minimum of 90 rubles) for withdrawals of third-party terminals. Its cash machines in Moscow at the "Zenith" a little - only 76, to the same concentration further limits the choice: in a shopping center is established once 12 ATMs! Until recently, it was a unique situation zarplatnikov bank "Russia", which served many of the gas industry. Their staff two years ago to withdraw cash at any (!) ATM without a fee. Because the bank was in no hurry to install terminals (two years ago in Moscow there were only two machines!). But then the freemen to customers over, and now at no additional cost can be cashed only card in devices VTB24. Gold mine. On the commissions that clients pay for the removal of the cache, the bank may well earn. As explained by Director of service and support retail businesses Transkreditbank Alexander Derjaguin, the commission is distributed between the owner of the ATM, the bank that issued the card, and billing system. Therefore, an extensive terminal network, which, among other costs, and still does not make money (when withdrawing money "their" clients), banks are not profitable. Suffer from such selfishness employees of corporate clients of the bank, but here they act as forced. It is interesting that the number of cash machines is not Russia lags behind developed countries. According to the deputy chief of analytical department of "Investkafe" Alexandra Lozowy, Europe and the U.S. have an ATM from a thousand to three thousand credit cards. "In Russia, the average ratio is about 2.4 thousand cards at a cash machine (counting to 15 banks with large ATM networks)," - said the expert. But the statistics deteriorates a vast territory of the country and the popularity of cash withdrawal from the Russians. According to the director general of the National Rating Agency Viktor Chetverikov, the best evidence of an insufficient number of ATMs in a particular bank is a queue. According to experts, in turn, VTB24 are common, as in the apparatus main bank. While the Savings Bank, at first glance, a lot of ATMs (only in the capital - 2014 pcs for 3 million payroll customer), queues in the street "windows" are constant. Sberbank offered its customers a sacrifice other projects: as noted by Chetverikov, clusters of customers in vehicles began to appear after they have provided in addition to cash withdrawals additional features - such as public utilities. Moreover, the Bank began to encourage citizens by introducing a preferential fee for payment via a communal tehustroystva. As a result, divide zarplatniki line with many willing to pay Kvitko. "We had to put special devices for such operations," - said Chetverikov. And despite the fact that zarplatniki profitable banks. Stable fee income yield sms-notification services, mobile banking, and various statements, certificates for consulates, etc. "Lending institutions have access to the surplus that somehow accumulated in the accounts of natural persons" - indicates Chetverikov. In the New Year period, when companies pay awards and bonuses, these sums can reach enormous proportions. Finally, employees of corporate clients interested bankers as potential borrowers. "Of course, banks are more loyal to zarplatnikam because they know their financial history and, of course, far more willing to give them credit," - says Bindusova. Another popular loan product, which banks offer zarplatnikam - overdraft. A customer who receives a salary at stake, can always "get into minus" within its allocated limit, the bank (salary or a portion thereof). This is usually shorter loans with maturities of a month - until the next paycheck. The cost of such loans is much higher than normal consumer credits. Even more citizens would cost so-called "unauthorized overdraft" - the excess amount available in the account without the permission of the bank, for which he relies fine.