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Выбирал между несколькими банками, остановился на «Дебетовая карта «Мудрость» от МКБ». Условия совпали с тем, что было на сайте, заявку обработали без задержек. Минус — не сразу попался раздел про досрочное погашение, пришлось искать в договоре. Если продукт нужен без спешки, можно брать.
Оформление по «Дебетовая карта «UnionPay Diamond» от Газпромбанка» заняло меньше времени, чем ожидалось: заявку рассмотрели быстро, деньги пришли в тот же день. Из минусов — итоговую переплату сразу не видно, пришлось считать. Еще стоит заранее уточнить про досрочное погашение. Для срочной ситуации вариант рабочий, но без запаса по бюджету брать не советую.
Из нескольких похожих вариантов больше всего по платежу и сроку подошел «Дебетовая карта «Mir Supreme» от Газпромбанка». Условия понятные, все есть в договоре. Не понравилось, что итоговая сумма выше, чем выглядит в рекламе. Поддержка отвечает нормально, но по дополнительным услугам лучше переспрашивать.
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Banks usually provide more favorable terms for payroll clients than for others regarding debit and credit cards, consumer loans, mortgages, deposits, and savings accounts. We explain how a payroll card differs from a regular one, what to look for when choosing one, and how to transfer your salary to it.
How does a payroll card differ from a debit card?
A debit card is a payment instrument linked to a bank account that stores the client's own funds. Unlike a credit card, a debit card does not allow you to spend more money than the holder actually has.
A payroll card is a type of debit card (along with pension, social, youth, children's cards, etc.). Its defining feature is receiving all employer transfers:
- salary;
- bonuses;
- vacation pay;
- sick leave benefits;
- social benefits;
- business travel expenses.
For the cardholder, participating in a bank's payroll project means it will be easier to get a credit card, consumer loan, or mortgage in the future. Lenders view payroll clients as more reliable.
A payroll card looks just like any other debit card. The plastic card contains the following information:
- logo of the issuing bank;
- logo of the payment system servicing the debit card;
- unique 16-digit number;
- card expiration date in month/year format;
- cardholder's first and last name;
- a contactless payment chip;
- magnetic stripe;
- holder's signature;
- security code;
- hotline phone number of the issuing bank.
You can use a payroll card just like any other debit card: for paying for purchases in stores and online, withdrawing cash, transferring money to other people, paying utility bills, mobile communications, internet provider services, and so on.
How to choose the right payroll card?
Any debit card can be made into a payroll card—you don't have to use the one offered by your employer. Therefore, we recommend studying offers from popular and reliable banks based on your own needs and preferences. Below are the criteria to consider when choosing a payroll card.
Issuance and Maintenance
Banks usually do not charge an additional fee for issuing a payroll card. Most credit institutions also do not charge account maintenance fees. However, some banks offer free card use only if certain conditions are met, such as spending a minimum monthly amount or subscribing to a paid service.
Additionally, almost all cards include a paid transaction alert service. Therefore, if you do not want to pay for card maintenance, we recommend unsubscribing from all unnecessary options.
Cash withdrawals at other banks' ATMs
Despite the decline in cash usage, the need to withdraw cash sometimes arises, such as when cashless payment is unavailable. All banks provide free cash withdrawals at their own ATMs and branches. However, this may be inconvenient if self-service terminals or cash desks are far from your workplace or home. Therefore, we recommend looking for offers that include free cash withdrawals at partner ATMs or third-party banks.
Transfers to other banks
Почти во всех банках предусмотрена возможность бесплатных переводов в другие кредитные организации по номеру телефона через Систему быстрых платежей. Обычно лимит на такие операции составляет всего 100 тысяч рублей в месяц. Но в некоторых банках он увеличен. Например, Т-Банк предлагает бесплатные переводы через СБП на сумму до 5 миллионов рублей в месяц. При этом будет неплохо, если также будет предусмотрена возможность бесплатных переводов по номеру карты.
Bonus program
Almost all cards now feature profitable bonus programs. We recommend looking for cards that allow you to choose elevated cash back categories.
This allows you to choose profitable categories every month and earn bonuses on everyday purchases.
Interest on balance
For people who do not spend their entire salary and save money for specific goals, earning a small return on savings is a plus. To do this, we recommend cards with interest on the account balance or the option to open a high-yield savings account.
How to get a card and transfer your salary to it?
According to Article 136 of the Labor Code of the Russian Federation, employees can choose the card to which they will receive their salary. Therefore, to get a card and transfer your salary to it, you need to:
- Apply for a debit card at the bank of your choice.
- Submit an application to your employer to transfer your salary and other payments to the new card.
- Submit an application to your employer's accounting department.
Where to get a salary card in 2024?
Как уже сказали, перевести заработную плату можно на любую дебетовую карту. Но мы рекомендуем обратить внимание на предложения от Т-Банка Банка, Хоум Банка и Уралсиба.
“Т-Банк Блэк” от Т-Банка Банка
Issuance: free
Maintenance: 99 рублей в месяц или бесплатно при поддержании остатка на счетах от 50 тысяч рублей, при оформленном кредите в Т-Банке на этот карточный счет, при тарифе карты 6.2 или с подпиской “Т-Банк Pro”
Transaction alerts: 59 RUB per month for T-Mobile numbers or 99 RUB per month for other numbers
Cash withdrawals at ATMs of other banks: free from 3,000 RUB per transaction up to 100,000 RUB per month, then with a 2% commission, but not less than 90 RUB
Transfers to other banks: free up to 5 million RUB per month via the Faster Payments System and up to 20,000 RUB per month by card number, then with a 1.5% commission, but not less than 30 RUB
Cashback: up to 15% for purchases in categories, up to 30% for purchases in partner stores
Interest on balance: 5% per annum on the balance up to 300,000 RUB with purchases starting from 3,000 RUB per month
"Polza" by Home Bank
Issuance: free
Maintenance: free
Transaction alerts: 99 RUB per month starting from the third month
Cash withdrawals at ATMs of other banks: free up to 50,000 RUB per month, then a 1.99% fee with a minimum of 199 RUB
Transfers to other banks: free up to 100,000 RUB per month via the Faster Payments System, then with a 0.5% commission, but not more than 1,500 RUB; free up to 50,000 RUB per month by card number, then with a 1.99% commission, but not less than 199 RUB
Cashback: up to 15% for purchases in categories, up to 30% for purchases in partner stores
Interest on balance: none
"Pribyl" from Uralsib
Issuance: free
Maintenance: 99 RUB per month or free with purchases starting from 3,000 RUB per month or with deposits starting from 20,000 RUB per month
Transaction alerts: 99 RUB per month starting from the third month
Cash withdrawals at ATMs of other banks: with a 1% fee, but not less than 199 rubles
Transfers to other banks: free up to 100,000 RUB per month via the Faster Payments System, then with a 0.5% fee, capped at 1,500 RUB; by card number with a 1.5% fee, minimum 75 RUB
Cashback: up to 3% for regular purchases subject to conditions, up to 30% for purchases at partner stores.
Interest on balance: up to 14% per annum on the balance up to 500,000 RUB
All Inclusive debit card from Fora-Bank 
VTB Debit Card for Life Conclusion
To sum up. According to the Labour Code of the Russian Federation, wages can be received on any debit card. You do not have to use the card offered by your employer. Therefore, we recommend choosing an option based on your needs and preferences and having your salary transferred there.
