Transferring wages to a card in 2021

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Transferring wages to a card has a number of advantages, thanks to which more and more employers are looking to switch to this system.

Government regulation
Transfer procedure in 2021
Pros and cons of transferring salaries to a card
Which card is suitable for salary?
Design and details
Features of using the card in 2021

Wages, as a kind of remuneration for an employee for his work, can be transferred in cash or by bank transfer.

In the second case, a bank card is used as a salary carrier, to the account of which the funds are transferred.

Bank card and employee loan

Can an employer, based on an employee’s application, transfer wages to his bank card, which was opened by him in the bank where the employee took out a loan, since monthly payments will be debited from it? The employer can transfer wages to the employee’s personal bank account, including the bank where he took out a loan.
However, in this case, the collective or employment agreement must provide for the transfer of wages to the bank account specified by the employee. Rationale. According to Art. 136 of the Labor Code of the Russian Federation, wages are paid to the employee, as a rule, at the place where he performs the work or is transferred to the credit institution specified in the employee’s application, under the conditions determined by the collective or labor agreement. In this case, the employee has the right to change the credit institution to which his wages should be transferred, informing the employer in writing about the change in the details for transferring wages no later than five working days before the day of payment.

Accordingly, in order for the payment of wages by non-cash payment to be legal, the following conditions must be met:

– an instruction on the transfer of wages to the employee’s bank account in a collective or employment agreement;

– availability of a bank account agreement;

– the employee’s indication of the account to which the employer will transfer his wages.

At the same time, the employer cannot oblige the employee to receive wages in non-cash form. Such clarifications are presented in Letter of the Ministry of Labor of the Russian Federation dated March 20, 2015 No. 14-1/OOG-1830 .

Thus, if a collective or labor agreement provides for the transfer of wages to a bank account specified by the employee, accordingly, the employee has the right to demand the transfer of wages to another account opened by him in any bank.

Payment of wages using plastic cards

Published: Magazine “Glavbukh” No. 3/2003

A.R. GOLOVSHCHINSKAYA, auditor An organization can pay salaries to employees not only in cash, but by issuing them from the cash register. There is another way - transfer money to employees’ plastic cards. To be more precise, in this case the money is transferred not to the card, but to the card personal account in the bank. We will talk about the advantages of paying wages to employees using plastic cards, as well as the features of reflecting associated costs in accounting and tax accounting in this article. In addition, you will learn about how you can get plastic cards.

What are the advantages of settlements with personnel using plastic cards? The advantages of this form of payment are obvious both for the enterprise and for its employees. The process of issuing wages is simplified for the organization: there is no need to deal with cash, no need to transport it from the bank, hire security for this, spend working time issuing money to employees from the cash register, deposit wages if the employee was absent from work on the day of issue. In addition, bonuses, insurance, travel allowances, etc. can be transferred to employee card accounts. Employees also have their advantages: by receiving their salary on the card, they acquire additional security guarantees - if the card is lost or stolen, it can be blocked and the money will remain on the account safe and sound. In addition, if the employee does not fully spend the transferred salary, the bank may charge interest on the balance (if this is stipulated in the agreement between the company and the bank). And finally, one more thing is very important: some cards are also valid abroad, so you can use them to pay while on a business trip abroad or on vacation. Employees of the organization can not only spend money from the card account, but also replenish it. Indeed, in addition to the salary amounts transferred by the company, the employee himself can deposit cash into the card account. At the request of the employee, organizations can credit benefits, fees, and insurance compensation amounts to this account. If a citizen rents out his property or, for example, sold it, then the proceeds can also be transferred to his card account.

How to get plastic cards In order to transfer salaries to plastic cards, an enterprise needs to enter into an agreement with a bank that issues such cards. You can transfer your salary both to plastic cards of Russian payment systems and to cards of international payment systems that can be used abroad (for example, Visa or MasterCard). The company decides on its own which cards to use. The cost of annual maintenance depends on this. The bank indicates this cost in the contract. An organization can pay for bank services for servicing card accounts monthly, as well as in advance for a certain period of time, for example, for a year. Some banks, in addition to service fees, also charge an initial fee for the production of plastic cards. The amount of the contribution must be specified in the contract. The agreement also specifies the amount of remuneration (commission) that the bank charges for transferring money to cards. In order for the bank to open accounts for employees of the enterprise to which salaries will be transferred and issue plastic cards, you need to submit all the necessary documents. The list of documents is established by each specific bank. And the number of documents in this list also depends on whether the organization has a bank account. After all, an organization has the right to request that employees’ salaries be transferred to cards and to the bank in which it does not have a current account. In addition, it may turn out that the bank in which the organization has a current account is not ready to provide the service of transferring money to plastic cards. If an organization has a current account with the bank that will issue and service employee cards, then, as a rule, it is required to submit the following documents:

list of employees of the organization (on electronic media and in paper form, certified by the seal and signatures of responsible persons);
a statement from each employee, certified by the head of the organization;
photocopies of employee passports (for example, when issuing a Visa or MasterCard);
information about those persons in the organization who are entrusted to resolve issues related to the use of cards.

If an organization does not have a current account with a bank, then the bank may require additional documents (for example, a set of notarized constituent documents of the enterprise, sample signatures, etc.).
The bank opens a card account in the name of each employee of the organization, into which the money will be credited. The employee will be able to manage them using a plastic card. You can also open card accounts for freelance workers with whom civil contracts, copyright agreements, etc. have been concluded. Personalized cards. Each employee is issued one card, on the front side of which the owner’s last name and first name are indicated, and his personal identification number (PIN code) is written on the magnetic tape. You will have to familiarize your employees with how to use plastic cards. First of all, you need to inform about the validity period of the plastic card, as well as about the types of operations that the employee can carry out using the card. In addition, employees should be told what to do if they believe their account transactions are being misrecorded or if they disagree with bank statements. It is very important to explain that in case of loss (or theft) of a card, employees are obliged to immediately notify the bank. Telephone numbers and addresses of the bank and its branches are brought to the attention of employees. Be sure to notify employees of the responsibility for the loss of the card. How to transfer salaries to plastic cards So, your organization has opened card accounts at the bank and employees have received plastic cards. The mechanism for paying wages using plastic cards is as follows. The company transfers funds to the bank in the amount of wages intended for payment. If the organization does not have a bank account, then the money is transferred to its correspondent account. From this account the bank will transfer money to the card accounts of employees. If the organization has a current account with a bank, then the money is transferred to the employees’ accounts directly from the organization’s current account. It should be noted that the organization transfers to the bank the amount necessary to pay salaries to all employees in one payment order. How much money needs to be transferred to the card account of a particular employee is indicated in a special statement, which is compiled in the accounting department of the enterprise and transferred to the bank within the agreed time frame. The statement indicates personnel numbers, surnames, first names, patronymics of employees and the amount of wages to be paid. As a rule, the bank credits money to employees’ card accounts only the next day after the organization receives a payment order. In this case, the enterprise’s obligations to pay wages to employees are considered extinguished at the moment when the bank debits the money from the organization’s account. On the date of write-off, which is indicated in the bank statement, the accountant must make an entry to the debit of account 70 “Settlements with personnel for wages” and the credit of account 51 “Current account”. To confirm that the salary has been paid, the bank provides statements from the card account of each employee. Typically, banks make such statements before the 5th day of the month following the month for which wages are paid. Please note that an organization cannot independently block employee cards. If an employee resigns, the organization must send a letter to the bank notifying the employee of his dismissal. In this case, the employee can continue to use the card, only he will pay the costs of servicing it himself.

How to reflect bank services in accounting The organization will have to pay for the fact that the bank opens and services accounts for employees and provides them with plastic cards. In accounting, expenses for paying for bank services are classified as operating expenses. This is established by paragraph 11 of the Accounting Regulations “Expenses of the Organization” (PBU 10/99), which was approved by Order of the Ministry of Finance of Russia dated May 6, 1999 No. 33n. On the day of transfer of funds to the bank for opening card accounts for employees, the organization’s accountant must make an accounting entry:

DEBIT 91 subaccount “Other expenses” CREDIT 51 – paid for the bank’s services for opening card accounts for employees.

Often in practice, an organization pays for bank services for servicing card accounts in advance. In accounting, advance payments are not recognized as expenses. This is stated in paragraph 3 of the Accounting Regulations “Expenses of the Organization” (PBU 10/99). On the day when the money for servicing employee card accounts was transferred to the bank, the organization’s accountant must make an accounting entry:

DEBIT 60 subaccount “Advances issued” CREDIT 51 – an advance is transferred to the bank for servicing the card accounts of the organization’s employees.

The prepayment amount in equal monthly installments is counted towards the repayment of debt to the bank for services rendered. This is documented in accounting with the following entries:

DEBIT 60 subaccount “Settlements with the bank” CREDIT 60 subaccount “Advances issued” – part of the advance issued is credited to repay the debt to the bank for the provision of services for servicing card accounts;

DEBIT 91 subaccount “Other expenses” CREDIT 60 – part of the advance issued to the bank for servicing card accounts is attributed to the organization’s expenses.

Example 1 Aktiv LLC transfers wages to employees on plastic cards. In accordance with the terms of the agreement with the bank, Aktiv LLC paid the bank 3,000 rubles in February 2003. for opening card accounts for employees and 12,000 rubles. for the annual maintenance of these accounts. In February 2003, the accountant of Aktiv LLC will make the following entries: DEBIT 91 subaccount “Other expenses” CREDIT 51 - 3000 rubles. – paid for bank services for opening card accounts for employees; DEBIT 60 subaccount “Advances issued” CREDIT 51 – 12,000 rub. – an advance is transferred to the bank for the annual maintenance of card accounts of the organization’s employees.

The following entries will be made monthly throughout the year: DEBIT 60 subaccount “Settlements with the bank” CREDIT 60 subaccount “Advances issued” – 1000 rubles/month. (RUB 12,000: 12 months) – part of the advance paid to the bank for the provision of services for servicing card accounts is credited; DEBIT 91 subaccount “Other expenses” CREDIT 60 subaccount “Settlements with the bank” – 1000 rubles. – part of the advance payment for servicing card accounts was attributed to the organization’s expenses.

How to reflect bank services in tax accounting For tax purposes, an organization can include payment for bank services either as part of other expenses (subclause 25, clause 1, article 264 of the Tax Code of the Russian Federation), or as part of non-operating expenses (subclause 15, clause 1, article 265 Tax Code of the Russian Federation). Paragraph 13 of Section 5.4 of the Methodological Recommendations for the Application of Chapter 25 “Organizational Income Tax” of the Tax Code of the Russian Federation states: if the bank’s services are not related to the production and (or) sale of goods (work, services), then the payment must be included in non-operating expenses. If services are related to production and sales, then payment is included in other expenses. Is the bank's fee for opening and servicing accounts related to production and sales? Yes, it is. After all, the organization’s expenses for paying salaries are taken into account for tax purposes as part of costs associated with production and sales (subclause 2, clause 2, article 253 of the Tax Code of the Russian Federation). Consequently, fees for bank services for opening and servicing accounts for transferring salaries to employees are also included in the costs associated with the production and sale of goods (works, services), that is, in other costs. In this case, these expenses must be documented (clause 1 of Article 252 of the Tax Code of the Russian Federation). If an enterprise pays for bank services in advance, then the accountant will have to decide one more question: when and in what amount to include this advance in other expenses - entirely in the period when the advance for services was transferred, or gradually, once a month and in equal parts ? Regardless of the method of accounting for income and expenses, advance payments for bank services cannot be fully included in expenses taken into account for income tax purposes in the period in which the advance payment was made. This payment will be evenly included in the organization’s expenses on a monthly basis throughout the entire period for which the payment is transferred. This is explained by the fact that for tax purposes, expenses are recognized only after the services are actually provided (clause 1 of Article 272 and clause 3 of Article 273 of the Tax Code of the Russian Federation).

Example 2 Let's use the conditions of example 1. LLC "Aktiv" for tax purposes determines income and expenses using the accrual method. In tax accounting in February 2003, Aktiv LLC must reflect funds for payment of bank services in the amount of 4,000 rubles as other expenses. (3000 + 1000). The same amount will be evenly included in expenses during the year when calculating income tax.

Accounting for commissions paid to the bank for transferring money to plastic cards For transferring wages to employee card accounts, in addition to the service fee, the bank takes a commission. The organization pays them from its own funds or deducts them from their wages with the consent of employees. Let's consider a situation where an organization pays the bank commission on its own. In accounting, payment of a commission to the bank for transferring wages to card accounts is classified as operating expenses. In tax accounting, commissions, like other banking services, will be taken into account as part of other expenses associated with production and sales.

Example 3 CJSC Globus pays wages to employees using plastic cards. For transferring funds to employee cards, the bank charges a commission in the amount of 1 percent of the total salary of all employees. For February 2003, wages were accrued in the total amount of 100,000 rubles. Personal income tax amounted to 13,000 rubles. Expenses for paying commission to the bank - 870 rubles. ((RUB 100,000 – RUB 13,000) # 1%). CJSC Globus determines income and expenses using the accrual method. To simplify the example, we will not calculate the unified social tax, contributions for compulsory pension insurance and insurance against industrial accidents and occupational diseases. The accountant of CJSC Globus reflected these transactions with the following entries:

DEBIT 20 CREDIT 70 – 100,000 rub. – wages accrued for February 2003;

DEBIT 70 CREDIT 68 subaccount “Settlements with the budget for personal income tax” – 13,000 rubles. (RUB 100,000 # 13%) – personal income tax is withheld;

DEBIT 68 subaccount “Settlements with the budget for personal income tax” CREDIT 51 – 13,000 rubles. – personal income tax has been paid;

DEBIT 70 CREDIT 51 – 87,000 rub. (100,000 – 13,000) – wages for February 2003 were transferred from the organization’s current account;

DEBIT 91 subaccount “Other expenses” CREDIT 51 – 870 rub. (RUB 87,000 # 1%) – the commission for transferring wages to employees’ plastic cards is debited from the current account.

In tax accounting in February 2003, Globus CJSC must also reflect the costs of paying the bank a commission in the amount of 870 rubles.

How to reflect the costs of paying for bank services at the expense of employee salaries in accounting and tax accounting? On the day when the organization transfers funds from the current account to pay salaries to employees, the accountant must make the following entries in the accounting:

DEBIT 70 CREDIT 51 – wages were transferred to employees from the current account;

DEBIT 70 CREDIT 60 – commissions have been accrued to the bank for transferring wages to employees’ plastic cards;

DEBIT 60 CREDIT 51 – a commission is transferred to the bank for transferring wages to employees’ plastic cards.

Example 4 We use the conditions of example 3, but assume that the bank’s services for transferring money to employees’ plastic cards are paid for from the employees’ salaries, and not from the enterprise. Then the accountant must make the following entries:

DEBIT 20 CREDIT 70 – 100,000 rub. – wages accrued for February 2003;

DEBIT 70 CREDIT 68 subaccount “Settlements with the budget for personal income tax” – 13,000 rubles. (RUB 100,000 #13%) – personal income tax withheld;

DEBIT 68 subaccount “Settlements with the budget for personal income tax” CREDIT 51 – 13,000 rubles. – personal income tax has been paid;

DEBIT 70 CREDIT 60 – 870 rub. ((RUB 100,000 – RUB 13,000) # 1%) – a commission was charged to the bank for transferring wages to employees’ plastic cards;

DEBIT 70 CREDIT 51 – 86,130 rub. (100,000 – 13,000 – 870) – wages for February 2003 were transferred from the organization’s current account;

DEBIT 60 CREDIT 51 – 870 rub. – a commission is transferred to the bank for transferring wages to employees’ plastic cards.

Klerk.Ru thanks the Glavbukh publishing house for kindly providing the material for exclusive publication on the website.

If the card is blocked by the bailiffs

Bailiffs blocked the employee's bank card, and therefore he asks to transfer wages to his wife's bank account.
Does the employer have the right to do this? Is it possible to hold an employer liable for transferring an employee’s salary to a blocked card, since he was aware of this? Labor legislation does not contain any prohibition on transferring an employee’s salary to an account specified by him, even if this account does not belong to the employee. The employer cannot be held liable in any way for transferring wages to the employee’s bank card blocked by bailiffs, since the employer did not receive the writ of execution.

Rationale. Article 136 of the Labor Code of the Russian Federation establishes that wages are transferred to the credit institution specified in the employee’s application under the conditions determined by the collective or labor agreement. In addition, the employee has the right to change the credit institution to which his 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.

Chapter 11 of the Federal Law of October 2, 2007 No. 229-FZ “On Enforcement Proceedings” provides for the conditions and procedure for foreclosure on wages and other income of a debtor-citizen and determines the possibility of sending an enforcement document directly to the person paying wages to the debtor-citizen. If the employer has not received the writ of execution, he does not bear any responsibility.

Thus, the employee’s explanations and the employer’s awareness of the relevant circumstances do not make the latter’s actions to transfer the employee’s wages to another person unlawful. The employer’s actions in question are not prohibited by law, and liability for them is not provided.

The best cards for receiving salaries

Of the variety of debit cards, there are 5 products that are considered to be the most profitable for transferring wages in 2021, namely:

Rocketbank debit card, “Cozy Space” tariff. Annual service is free without any conditions. The balance is charged 4.5% per annum, and up to 10% cashback is returned for purchases with the card. Every month you can withdraw up to 300,000 rubles without commission from any ATM and make transfers in the amount of up to 30,000 rubles. The card is issued through the website and delivered free of charge to the client at the specified address.
“Benefit”, Home Credit Bank. There is no service fee if the minimum requirements are met. For non-cash purchases you get up to 3% cashback (increased - in certain categories, 1% - on everything). For a balance of up to 300,000 rubles, 6% per annum is charged (within the current promotion for new clients - 10%), and for the excess amount - 3% per annum (provided that non-cash turnover on the card exceeds 5,000 rubles per month). Cash withdrawals from any ATM in the amount of up to 100,000 rubles per month are free.
"Cashback", Alfa-Bank. There is no service fee (if free criteria are met). The card balance is accrued income at a rate of up to 6% per annum. Up to 10% cashback is returned for purchases at gas stations, up to 5% in cafes and restaurants, and up to 1% for other transactions. The card can be cashed out and topped up for free at any ATM around the world.
"Opencard", Bank Otkritie. There is no fee for maintaining an account. The card is replenished free of charge by non-cash transfer from cards of other banks. The client can choose one of two options for calculating cashback - up to 11% in the selected special category and up to 3% for everything. To receive the maximum cashback, you must meet monthly requirements for the minimum balance and non-cash turnover. When you open a savings account “My Piggy Bank”, 5.5% per annum is accrued on the balance. Transfers to cards of other banks are carried out without commission. You can withdraw cash for free from any ATM.
"Tinkoff Black", Tinkoff Bank. Account maintenance is free of charge. The income on the card is 5% per annum (if the average monthly balance does not exceed 300,000 rubles and the amount of purchases is at least 3,000 rubles). You will earn 5% cashback for purchases in your three favorite categories, and 1% cashback for other spending transactions. From third-party ATMs you can withdraw up to 100,000 rubles per month without commission.

When compiling the rating, we took into account selection criteria such as the cost of service, conditions for receiving cashback and interest on the balance, the amount of commission for transfers and cash withdrawals.

An employee does not agree to a salary project

We have instructions on what to do if an employee does not want to agree to your salary project.

Rationale. Article 136 of the Labor Code of the Russian Federation states that wages are paid to the employee, as a rule, at the place where he performs the work or is transferred to the credit institution specified in the employee’s application, under the conditions determined by the collective or labor agreement.
In this case, the employee has the right to change the credit institution to which his wages should be transferred, informing 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. Thus, it follows from labor legislation that an employee can, in writing, replace the credit institution, that is, the bank from which he wants to receive wages.

How to find out the score

All details are specified in the contract. Often bank clients, having received a contract in their hands, then cannot find it. What options exist to find out all the information on the card:

At the office where the plastic was issued, you will need to provide a card and passport.
When you call the hotline, the phone number is listed on the back. The operator needs to provide the card number, mobile number, date of birth, and the operator will also ask to announce the code word. Just in case, you need to have your passport with you to provide its details.
By email. When issuing a salary card, Sberbank sends an email to the address with a file containing the agreement.
Sberbank online, personal account. Bank details can be found on the website on your personal page in the “Home” section.

Salary to a charity fund

When concluding an employment contract with an employee, the employer indicated that the salary would be transferred to the employee’s bank account, which was opened as part of a “salary” project in a certain bank.
A similar provision is provided for in the collective agreement. The employee submitted a written application to the accounting department with a request to transfer his salary to a third party (charitable organization). Is the employer obliged to do this? If the labor and collective agreements indicate that wages are transferred to the employee’s bank account opened as part of a “salary” project in a certain bank, and the employment contract with the employee does not provide for the possibility of transferring wages to the accounts of other persons, the organization is not obliged to transfer wages payment to the account of a third party (charitable organization), even if the employee has submitted a corresponding application.

Rationale. Article 136 of the Labor Code of the Russian Federation provides for the possibility of transferring an employee’s salary to the account of a third party, if this is established by federal law or an employment contract. From the above provision it follows that the current labor legislation determines the possibility of paying wages to an employee by transferring them to the account of another person, but the main condition is that such a procedure follows either from federal law or from an employment contract. This means that in order to transfer an employee’s salary to a third party’s account, the consent of both the employee and the employer is required. In this case, the employee can, in writing, replace the credit institution from which he wants to receive wages, but in this case he has no right to indicate a third party as the wage recipient without the consent of the employer.

How to make transfers

Sberbank salary card MasterCard gold, Visa, Mir, Maestro is a multifunctional banking product that allows you to make transfers.

Look at the same topic: Review of Promsvyazbank debit cards

What types of credits to a Sberbank salary card are possible:

Transfers between personal card accounts;
Transfers from other banks;
Transfers from Sberbank card accounts;
Transfers through electronic payment systems WebMoney, Yandex.Money and others.

You can top up through the cash desk at branches. Cashless payments are possible through ATM terminals, a mobile application, online banking, and you can deposit money through a mobile bank using SMS.

Paying salaries to relatives without a power of attorney

An employee of the organization is unconscious because he was involved in an accident.
Can an employer give wages not received by an employee to his relatives in the absence of a power of attorney? An employer does not have the right to pay wages to an employee's relatives without a power of attorney to receive it.

Rationale. According to clause 6.1 of the Directive of the Central Bank of the Russian Federation dated March 11, 2014 No. 3210-U “On the procedure for conducting cash transactions by legal entities and the simplified procedure for conducting cash transactions by individual entrepreneurs and small businesses,” when issuing cash according to an expense cash order, the cashier also checks the presence of supporting documents listed in this order. The cashier issues cash after identifying the recipient of the cash, in particular, according to the power of attorney and identification document presented by him. Cash is issued by the cashier directly to the recipient specified in the cash receipt order (payroll slip, payroll slip) or power of attorney.

It follows from the provisions of the law that an employee’s wages can be issued to his relatives only on the basis of a power of attorney issued by the employee himself.

Connecting an overdraft

A non-targeted short-term bank loan can be issued if the applicant is a participant in a salary project. To do this you need to submit an application. The bank reviews applications within a week. The client must provide a passport.

If the applicant does not have a Sberbank card, he needs to apply for a salary card account.

The following package of documents will be required:

Passport;
Information about income;
Employment history.

In some cases, the bank asks to provide a foreign passport, real estate documents, or a car.

Withholding taxes from salary

Can an employer withhold money from an employee’s salary to pay transport, land taxes and personal property taxes?
The employer does not have the right to withhold money from the employee’s salary for the purpose of paying transport, land taxes and property taxes on individuals.

Rationale. Article 137 of the Labor Code of the Russian Federation establishes that deductions from an employee’s salary are made only in cases provided for by the Labor Code or other federal laws. By virtue of paragraph 1 of Art. 45 of the Tax Code of the Russian Federation, tax payment can be made for the taxpayer by another person. Such amendments were made to the specified paragraph by Federal Law No. 401-FZ of November 30, 2016 “On Amendments to Parts One and Two of the Tax Code of the Russian Federation and Certain Legislative Acts of the Russian Federation ,” which came into force on January 1, 2017. At the same time, transport, land taxes and property taxes for individuals are subject to payment by taxpayers - individuals in accordance with tax notices, which indicate the amounts of the corresponding taxes payable.

However, the Tax Code does not provide for the payment of such taxes by the employer withholding funds from the taxpayer’s salary and transferring them to the budget system of the Russian Federation. These clarifications are presented in Letter of the Ministry of Finance of the Russian Federation dated September 18, 2017 No. 03-02-07/2/59998 .

Is there any point?

For small and medium-sized businesses, these issues are not so clear-cut. Today, the problem of paying wages “in envelopes” in small and medium-sized businesses is still relevant. And transferring official wages to employees’ cards, that is, some part of the real one, giving the rest “in an envelope” is simply a pointless exercise. Costs are not reduced, but worries are added. In addition, in small and medium-sized businesses, cash payments make up a fairly significant part, and accordingly, enterprises do not face the issue of reducing the bank’s commission for “cash out.”

“Forcing” salary cards is prohibited. The employer has the right to transfer wages to the card if the employee has the consent.

Salary more than twice a month

Does the employer have the right to provide for more frequent payment of wages than twice a month?
Yes, the employer, by local regulations or employment contract, may provide for the payment of wages more than twice a month.

Rationale. By virtue of Art. 136 of the Labor Code of the Russian Federation, wages are paid at least every half month. The specific date for payment of wages is established by internal labor regulations, a collective or labor agreement no later than 15 calendar days from the end of the period for which it was accrued.

Thus, the Labor Code provides for the requirement to pay wages at least twice a month. In this regard, the employer can establish in a local regulatory act or employment contract a provision on paying wages more often than twice a month.

These clarifications are given in Letter of the Ministry of Labor of the Russian Federation dated November 28, 2016 No. 14-1/B-1180 .

You cannot pay wages only once a month, even at the request of the employee ( Letter of Rostrud dated 01.03.2007 No. 472-6-0 ).

How to order a Sberbank salary card

You can receive plastic for your salary at the company or on your own. You will need to provide a certain package of documents. A complete list of securities can be found on the Sberbank website. You must come to the branch with a package of documents to open a salary account.

Heads of organizations can apply online by filling out the form on the website. Next, the bank manager will contact the company at the specified phone number. It is necessary to schedule a meeting, set a time when a bank representative can come to the company’s office to conclude an agreement. All you have to do is wait to receive your salary cards at the company office.