Requirements for the installation of Sberbank ATMs. Sberbank ATMs and terminals. Installation of ATMs in settlements and villages

Instruction

Before proceeding with the installation of the ATM, it is necessary to select a suitable location, which may be in the premises credit institutions, large stores or in the openings of buildings to serve customers from the street. The ATM should be located in a place convenient for control by security personnel. If the device is planned to be left in a room with free access: metro, shops, shopping centers, it must be placed away from shop windows and other glazed surfaces. In addition, direct access to vehicles should be closed to it.

After the place is chosen, conclude an agreement with the organization in whose premises it is planned to install the software and hardware device.

Installing an ATM requires careful preparation of the floor or wall if it is planned to be installed in a building opening. When preparing the floor, make sure that it can support the weight of the ATM, which can reach up to 900 kg. The floor surface under the device and around it must be strictly horizontal, you can check this using the building level.

After making sure that the floor meets all the necessary rules, drill installation holes in it and attach the device to them using anchor bolts. Fill the gap between the wall and the front panel with weatherproof sealant if the ATM is installed in the wall of a building.

When the ATM is put in place and secured, equip it with a video surveillance system and a burglar alarm. In addition, take care of a stable power supply to the self-service device.

note

Most modern ATM models have leveling feet to adjust the height of the equipment to compensate for slight differences in floor levels. But at the same time, remember that it is impossible to extend them by more than 150 mm, as this can lead to the device tipping over.

Helpful advice

Do not forget to ground the ATM, otherwise the machine will not work properly.

Sources:

www.kakprosto.ru

Request to install a Sberbank ATM

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Hello, dear German Oskarovich Gref, my name is Emil, I am an entrepreneur! I want to inform you the following: We turned to a branch of the Savings Bank in Nizhny Novgorod through the girls we know in Sberbank to a certain girl named Oksana, as they said, she manages such affairs so that your ATM is installed on our object. The reason for this was the opening of a new bypass road Nizhny Novgorod, our the road complex is located at 19 km of the new Nizhegorodskaya bypass. accessories, etc.). We were given an answer that it is not yet possible, such as some kind of development plan is being developed there, etc. At the earnest request of all the customers and former people, we want your ATM to be installed here in our complex, we can provide all the documents, full material responsibility on our part as an entrepreneur, plus our object is protected by PROFI LLC (Delta Division) ,all the necessary conditions we have to install an ATM, several thousand only truckers and passers-by pass by our object a day, everyone wants a Sberbank ATM, in addition, we also have advertising on channel 15 about our services to everyone. We have your minimum transaction package, as explained for us (7000 transactions) the first month is easy to complete, we can increase the volume at times, since we just need to shout on the radio that we have a Sberbank ATM, everyone asks one after another for the location, since on this route you can say that there is an ATM in general no to Moscow, unless of course I’m mistaken, I’m quoting from the words of truckers. Please satisfy our desire to install an ATM at the request of our own citizens. Your acquiring terminal will be installed in my store soon, all the documents were accepted, it seems they should install on Monday, but we really need an ATM not enough, here, in addition to Sberbank cards, the owners of other bank cards also require an ATM. We have a large facility and people somehow don’t ask, but you can we ask you to resolve the issue and give the command to Nizhny Novgorod to your subordinates so that they take into account the request of the people. Thank you in advance for your attention and care, we hope our appeal will not pass by your eyes and we are proud that our Sberbank exists, as then your own, closer to the body !!! Sincerely, Entrepreneur: Talybly Emil Garibali oglu. Tel: +7-920-000-97-27, +7-930-287-86-89.

forpresident.ru

ATMs and terminals of Sberbank

Who among us has not used an ATM or terminal at least once? We have prepared a selection of the most interesting questions from Sberbank users about their work. What is the difference between a terminal and an ATM of Sberbank, how to use the devices correctly, what means of protection against fraud are best used - these and other questions are answered by specialists from the most popular bank in our country.

How Sberbank ATMs work



What is an ATM? What is it for?

An ATM is a special automatic device of the Bank for issuing cash to cardholders of this bank. To date, ATMs have ceased to be limited only to the issuance of cash. Today, using an ATM, a user can transfer funds, pay taxes, rent, remotely manage connected services, and much more. We will talk about these and other functions in more detail a little later.

Why is it convenient to use the terminal

Why did terminals appear? What is so special about them, why do people praise them?

Indeed, the emergence of Sberbank terminals is an urgent need for many clients of our Bank.

It turns out that the list of the Bank's services is so huge that the functions of an ordinary ATM are sometimes not enough. Terminals are hardware complexes for carrying out payment transactions or information requests in self-service mode.

Terminals, based on the definition, are informational - that is, for obtaining information (for example, on loan products or services of the Bank), and payment terminals - for executing payment orders for Sberbank customers. Payment terminals allow you to easily transfer and deposit funds, receive mini-statements, connect to services remotely.

The convenience of using the terminal is that their installation significantly unloaded long queues at ATMs. In addition, the terminals do not dispense cash, they are configured to accept payments - this allows you to quickly navigate the functionality of the devices and reduces the waiting time and the total time of working with Sberbank machines.

Popular functions of Sberbank ATMs

What can I do at an ATM? What abilities does he have?

Sberbank customers perform many different operations with bank cards. You can replenish your account, generate a statement on it, transfer money, link your cell phone to the Bank's card, activate the mobile banking service, and get access to Internet banking. Now you can even leave an application for a loan at an ATM. Soon Sberbank ATMs will be adapted for persons with handicapped- make audio outputs. We do not stand still and try to develop in all areas of customer service.

The main advantages of payment terminals

Why are payment terminals so in demand? What are their benefits?

We list the main functions of the terminals installed by Sberbank:

• acceptance of cash payments;
• payment for services, fines and loans;
• replenishment of Yandex.Money, Webmoney and Qiwi.

The speed of the payment terminal when paying for loans is truly admirable. Their indisputable advantage is their round-the-clock work.

What is the difference between an ATM and a terminal

The main difference between an information and payment terminal and an ATM is the lack of a cash withdrawal service.

Video: Sberbank in detail: Terminal and ATM

How to use a Sberbank ATM - instructions

How to use a Sberbank ATM correctly? The functionality of devices, both terminals and ATMs, is constantly being improved and expanded. But there are rules that must be observed at the beginning of work. Consider a mini-instruction for the initial use of a Sberbank ATM.

Sberbank ATMs: list of popular operations

Most often, Sberbank customers pay a mobile phone bill using an ATM, replenish a Sberbank card account and pay utility bills.

Cellular payment through an ATM

To pay for cellular communication through a Sberbank ATM, follow these steps

How to replenish a Sberbank card through an ATM

Let's make a reservation right away - not all ATMs have the function of accepting cash. And this, of course, does not make them terminals. Externally, the devices differ only in the presence of a compartment for depositing money and the “Deposit cash” item in the internal menu.

How to pay utility bills through a Sberbank ATM

Guide to using the Sberbank terminal

General instructions for paying payments at the Sberbank terminal:

Remember that the commission when paying for services through the Sberbank terminal is lower than when paying at the cash desk of a Bank branch.

Popular payments using terminals

Like ATMs, Sberbank terminals offer customers a wide range of operations for remote payment. Consider the guidelines for paying for the most popular services among users.

How to pay the state duty at the Sberbank terminal

1. To pay by barcode, it is enough to bring the receipt to the reading window of the terminal. The data will be read automatically, you just have to confirm and verify the payment details.
2. Otherwise, when choosing a utility service provider, it is advisable to search by OKATO or TIN.
3. After choosing “Payment of the fee”, you will only have to pay the required amount to the receiver and confirm the payment. Please keep your receipt for proof of payment.

How to pay a traffic police fine through a Sberbank terminal

To pay the fine, you will need the order number, receipt or details of the payer - in this case, the local traffic police department.

1. Select the "Payment of administrative fines" section.
2. Find the right unit using the receipt.
3. Specify the series and order number.
4. Enter the amount of the fine and the date of the ruling.
5. Deposit cash, receive a check to confirm the execution of the payment transaction.

Remember that if you pay the fine within 20 days of the violation, you can get a 50% discount!

They say that there are a lot of Sberbank ATMs everywhere. This is true if you live in major city. But what if you live in a small provincial town with 2,000 people and only one ATM for the whole city, which works every other time. In this case, you need to let Sberbank know that your city needs another ATM and leave an application on the website for installing a Sberbank ATM.

Leave an application for the installation of a Sberbank ATM

We cannot promise that every application will be executed, because a number of criteria must be met in order to make a decision to install a new self-service device, including, for example, accessibility for collection, security of the installation site, etc. But we guarantee that no application will be left unattended. Authors, at the request of which ATMs will be installed, will receive certificates on assigning their names to the installed devices.

Thank you in advance for your response.

“We have the most extensive network of ATMs and terminals in the region and strive to provide our customers with the most convenient self-service service within walking distance. To do this, a constant analysis of the load of existing devices, passenger traffic and many other parameters is carried out, - said Oleg Tikhomirov, Deputy Chairman of the North-Western Bank of Sberbank. “We are offering customers an unprecedented opportunity to determine where to install an ATM, as we are confident that this will make the use of our devices even more convenient.”

As part of the “salary project”, a unitary enterprise is installing ATMs of a counterparty bank on its territory. From the article you will learn what problematic issues for enterprises are related to this and how to resolve them.

Read our article:

What risks should be taken into account by the management of the SUE when ATMs are installed on the territory of the organization

The transfer of wages to bank cards to employees and the conclusion of relevant agreements with banks has long been a common business practice for organizations. For small enterprises, as a rule, everything is limited to a “salary” agreement for the issuance of debit cards and their maintenance. As for enterprises with large property resources, if possible, they can place ATMs of a “salary” bank at their facilities and territories (in office buildings, industrial complexes, business centers). At the same time, the organization has a number of related questions - whether it is necessary to charge a rent from the bank, in what form it is better to conclude an agreement for the installation of an ATM, and whether such an agreement should be concluded at all.

On what conditions to execute a transaction between an enterprise and a bank

The need to obtain the consent of the owner to lease an object or part of it is established by the requirements of the “On State and Municipal Unitary Enterprises”. According to Article 18 of the said law, the State Unitary Enterprise is not entitled to sell its real estate, lease it, pledge it, make a contribution to the authorized (share) capital of a business company or partnership, or otherwise dispose of such property without the consent of the owner of the property. In addition, an enterprise can dispose of movable and immovable property only within the limits that do not deprive it of the opportunity to carry out activities, goals, objects, the types of which are determined by the charter of such an enterprise. Thus, any disposal of an object assigned to the State Unitary Enterprise (renting it out or transferring it under a contract for gratuitous use) requires mandatory agreement with the owner.

At first glance, the solution to the issue of the contractual form of placement of an ATM is obvious: there are all signs of a lease relationship. According to a lease (property lease) agreement, the lessor (landlord) undertakes to provide the tenant (tenant) with property for a fee for temporary possession and use or for temporary use. In our case, the State Unitary Enterprise provides for temporary use to a third party (bank) a part of the property for placement of property owned by the bank (ATM), which for the bank is an element of its business activities.

However, a deeper study of the issue, including an analysis of contractual relationships between enterprises and banks, allows us to draw other conclusions.

First of all, you should determine the purpose of installing an ATM. Let's conditionally distinguish two main types of ATMs that can be placed at the facility of SUEs:

ATMs placed by the "salary bank" within the framework of "salary projects" (in other words, ATMs that issue salaries to employees);

ATMs placed by banks with which the enterprise does not have “salary projects” and not intended directly for paying salaries. These can be ATMs of any bank or payment terminals of any organization.

Next, consider the terms of the agreement concluded between the enterprise and the bank to support the "salary project". This is necessary for the correct assessment of property relations between the enterprise and the bank in relation to the ATM. The standard bank agreement on the procedure for issuing and servicing debit cards, as a rule, contains the following conditions: the bank undertakes to provide the enterprise with services for servicing individual customers through ATMs installed at the enterprise's facilities. At the same time, the enterprise is obliged to provide the bank with a place to install an ATM, as well as fulfill a number of conditions for its operation and safety:

prevent damage or loss of the ATM,

ensure unimpeded access of bank employees to the ATM for servicing,

maintain the ATM in proper economic condition,

provide a certain number of power outlets at the ATM power point,

provide power supply to the ATM according to the installed capacity and through a certain cable using an uninterruptible source.

In turn, the bank is obliged to install an ATM on the territory of the enterprise, carry out all necessary work for its maintenance (repair, replacement of consumables).

As you can see, the very fact of installing an ATM is an element of the “salary project”, which is reflected directly in the contract. Moreover, the enterprise has a direct obligation to create all conditions for the bank to accommodate the equipment. At the same time, the “salary” agreements do not provide for the conclusion of a separate agreement for the installation of an ATM, and the need to pay rent is also not established. Moreover, for SUEs, the situation is complicated by the fact that the obligation imposed on the enterprise to provide a place for placing an ATM is in no way dependent on the agreement of this event with the owner of the property.

Is owner consent required?

It should be noted that at present the procedure for obtaining the consent of the owner to lease an object is quite lengthy and “energy-consuming”: it is necessary to prepare a package of documents, draw up a justification, and perform a preliminary calculation of the rent. Having received the written approval of the owner, the PMU will need to perform many other formal activities. According to the general rules, the leasing of state-owned real estate objects requires the preparation and conduct of tenders in accordance with the requirements of Article 17.1 "On Protection of Competition". With regard to ATMs, you can use the exception provided for in sub. 14, paragraph 1 of the above article: auctions may not be held in relation to an object that is part or parts of a room, building, structure or structure, if the total area of ​​the transferred property is not more than twenty square meters and does not exceed ten percent of the area of ​​the relevant room, building, buildings or structures, the rights to which belong to the person transferring such property. The area required to install an ATM is definitely less than 20 square meters. m, but there is no guarantee that this area does not exceed 10% total area a real estate object (let's not forget that a room that is insignificant in area can also be registered as a real estate object).

In any case, even if the State Unitary Enterprise receives permission to lease the facility without bidding, the conclusion of the contract, its approval and state registration will take some time.

What answers does jurisprudence give?

A logical question arises: how can a balance be struck between the correct execution of the “salary project” and compliance with the requirements of the law regarding the use of state property? Do state unitary enterprises have the right to place ATMs at all without concluding any additional agreements? The answer to this question is given by judicial practice.

When resolving disputes about the legality of installing ATMs on the territory of a state enterprise, the courts evaluate the following criteria:

The nature of the agreement on the basis of which the ATM was installed (whether the agreement is a “salary project” or the ATM was installed on the basis of another agreement).

The presence of a bank commercial benefit (unjust enrichment) resulting from the installation of an ATM.

The purpose of using the ATM is to use the company's employees by using payroll cards or to use any third parties.

Location of the ATM installation - whether it is installed in the territory, access to which only the employees of the enterprise have, or in the public area.

From, FAS of the Ural District dated 13.01.2011 No. Ф09-10926 / 10-С5, it follows that the legal relationship between state enterprises (institutions) and banks for the placement of ATMs to serve employees in order to pay out funds using bank cards is not a transaction aimed on the disposal of property, therefore, cannot be qualified as a lease agreement. Placing an ATM is included in the bank's range of services for servicing settlement transactions of bank card holders.

Decrees of the Federal Antimonopoly Service of the Urals District dated April 28, 2011 No. F09-2146 / 11-C6, dated April 13, 2011 No. F09-1727 / 11-C6 satisfied the claims against the bank PJSC Sberbank of Russia for the recovery of unjust enrichment for the placement of ATMs on the territory of a state institution . It follows from the materials of the case that the ATMs were installed not within the framework of “salary projects”, but on the basis of separately concluded gratuitous contracts for the provision of services for the provision of space for the installation of an ATM.

Resolutions of the Ninth Arbitration Court of Appeal dated November 18, 2014 No. 09AP-45680 / 2014-GK rejected the claims of the administration against the bank PJSC Sberbank of Russia for the recovery of unjust enrichment for placing an ATM on the territory of a state-owned enterprise, since the services provided by the bank to the enterprise as part of the main contracts, are regarded by the court as equivalent to "rent".

Definition Supreme Court RF dated March 16, 2017 No. 304-AD17-838 and found that the placement of ATMs is illegitimate due to the lack of evidence that they were installed in order to properly fulfill the bank's obligations to provide specific services for issuing funds within the framework of a salary or other project exclusively employees of the institution. Evidence of the use of disputed ATMs only by employees was not provided, since these ATMs have free access, that is, the possibility of using an indefinite circle of persons. These circumstances allow for the possibility of carrying out various operations with bank cards with funds and not only by the bank's clients, but also by third-party organizations (banks), which indicates that the bank makes a profit from its placement.

Thus, the need to charge a fee for providing a place to install an ATM, the courts make it dependent on the purpose of its installation and the nature of the relationship between the bank and the owner of the facility (territory):

If the ATM is located in a place accessible to a wide, unlimited circle of people (for example, a business center lobby with open access), or the ATM generates income for its owner, these relations should be considered as rental, a fee is charged for placement.

If an ATM is available to a limited circle of people (only employees of the enterprise), and its intended purpose is not commercial, these relations should not be considered as a lease of an object.

The foregoing allows us to conclude that not every ATM located on the territory of an object owned by the State Unitary Enterprise can be regarded as the transfer of property for rent. An ATM installed as part of “payroll projects” and located at facilities with limited access does not require the conclusion of a lease agreement and agreement with the owner. In turn, when concluding “salary” agreements with banks, state unitary enterprises are advised to pay special attention to the existence of conditions governing the installation of ATMs in order to minimize legal and administrative risks.

If you decide to purchase or rent an ATM, be sure to resolve the issue of delivery and installation of the terminal. It is better to contact a specialist who has positive recommendations. For a small fee, he will install your ATM on his own, following all the requirements. And you will save time and be sure that your equipment is working properly.

Where can I install a bank terminal?

The ATM is placed in special niches located both inside the bank building and outside it. If desired, you can agree on the placement of an ATM in any other organizations or enterprises.

When placing the terminal inside the bank building, no additional requirements are imposed on the owner of the equipment. The main thing is that the ATM is in the field of view of the security service. And of course, for security reasons, you should install an increased class of protection against hacking on the equipment. And in the event that your terminal will work around the clock, it is also desirable to install a video surveillance system. Then the risk of opening the ATM will be minimized.

When placing the equipment on the territory of another organization (shop, hairdresser), the ATM must have the 3rd class of burglary resistance and a special burglar alarm that notifies its owner of the burglary of the safe.

Not unimportant is the installation process itself and its consequences. So, to place an ATM, it will take several hours of hard work with a drill. Then another connection of the terminal to the network and setting up the interface. Therefore, it is better to deal with the placement of such equipment during the complete closure of the organization where it is planned to be installed.

Service cost

Usually, installing an ATM costs 10-25 thousand rubles. But, everything is individual and depends on the equipment itself and its components, as well as directly on the installation site. The terminal owner may incur additional costs for the installation of security devices and the implementation of a video surveillance system. If the room where the ATM will be placed in the future is relatively new, has electricity already installed and the temperature in it is maintained at a certain level, then there will be no problems and the work will be done much faster. Otherwise, you'll have to fiddle around a bit.

In any case, when installing an ATM, choose high-class, and most importantly, proven specialists. You should not save on the most important thing, because your income depends on how your equipment will function. And grateful customers will not only use the services of your terminal, but also recommend it to others. Thus, the money spent on installing an ATM will pay off with interest!

Many owners of their own business, wanting to increase the traffic of customers in the store, are thinking about installing an ATM on their territory. And since Sberbank is more popular in the country, business owners prefer self-service devices of this particular financial organization. The question remains - what are the conditions for installing a Sberbank ATM in a store and what needs to be done in order for the bank to approve your application?

Making an application

They say that there are already a lot of self-service devices owned by Sberbank. And in fact, this is true - especially if you live in a large city with a population of a million or more. However, what if your store is located in a provincial town where no more than two thousand people live, and for all this number of people there is only one ATM that works every other time?

Considering the question of how to install a Sberbank ATM, it is worth noting that this process, as in many cases of purchasing banking services, begins with an application on the bank's website.

ATM rental is available to any owner of a hypermarket, shopping center, store or any other place where goods are sold. For this you need:

1. Go to the official website of Sberbank of Russia.
2. Find the "Corporate Clients" section.
3. Select "Application for acquiring".

By the way, in exactly the same way, you can apply for a terminal with which purchases are made through cards.

The second option is contact through the feedback form.

Of course, the bank's specialists do not promise that every application that comes to the financial company will be executed, because in order for a new device to be installed, a number of conditions must be met, ranging from the security of the installation area to a sufficient place for collection. But the bank's specialists guarantee their customers that no application will be left without their attention.

Those business owners whose applications are approved and whose devices are installed will receive certificates indicating that the ATMs have been assigned their names.

ATM definition

So, let's define what an ATM is. This is a software and hardware device of a financial organization, which is designed specifically to issue cash to cardholders.
The main task of such a device is to issue money to those who have Sberbank bank cards, as well as to third-party clients. True, the latter, unless they are partners of the bank, are charged a commission.

Having received a signal that funds need to be issued, the self-service device contacts the processing of the financial institution and, if there are indeed funds on the card, performs the operation. By the way, modern devices self-services are no longer limited to giving out only cash. Their task now includes the following functions:

1. A statement created specifically to tell the client about the state of his account. It is enough for a bank client to request a balance to be given a mini-statement with the account balance and the latest transactions that were carried out on the card.
2. Also, modern devices can work not only for "issuing", but also for "receiving". For these purposes, the ATM has special cells for accepted cash. An important condition applies here - the money that is accepted from customers is not issued immediately, but is first checked, which is prescribed in the security rules.
3. Also, an ATM is convenient in that it accepts payments. The device has everything you need for this - a barcode scanner, a device for receiving money, a communication module. Thanks to the keyboard and touch screen, you can enter the necessary details and information about the transfer.
4. In some modern Sberbank ATMs, you can even get a loan. To do this, an application is submitted, and then an employee of a financial institution contacts the client.
5. With the help of terminals, you can perform many other functions - for example, pay for a loan or mortgage.

The number of credit card users is constantly growing, which means that the demand for ATMs is increasing.

What are the requirements for installing ATMs

The norms for stores where Sberbank ATMs are installed are determined technical requirements service device manufacturers (there must be sufficient access for customers to comfortably stay near the device and for collection). Also, certain requirements are imposed on the ambient temperature and the rate of temperature drop.

As for fire safety standards, these are general requirements regarding the safety of premises(all electrics must be in order, no combustible materials should be used to decorate the room, and so on), as well as free access to the exit in case of evacuation.

Additional requirements are also placed on the security of the ATM itself. It must be fastened sufficiently to the floor - in this regard, there are even requirements for the separation force recommended by the manufacturer. Additional requirements are also imposed on the strength and safety of the flooring - it must be strong enough and not fall through.

There are no norms regarding security safety, but there are requirements for the safety category of the safe, depending on where it is installed.

Working with a card through an ATM

So, now you know how to install an ATM. Let's figure out how to work with a card and cash, since it is the sellers of the store who sometimes have to explain how to work with an ATM. To work with the card, you need to insert it into the device with its left end face facing into the device that reads the chip. If the plastic is inserted correctly, a window for entering the pin code will be displayed on the screen. Enter your personal password in the window that opens, and then follow the instructions.

The procedure for working with a Sberbank ATM is simple and clear

Cash handling

After the password is entered, the main menu is displayed on the screen with a list of operations that can be performed through the ATM.

And one of the most frequently used transactions is a cash transaction. Moreover, many modern devices work not only for the "issuance" of money, but also for their "acceptance".

In order for the device to dispense cash, you need to select the "Cash withdrawal" menu item. Next, select the amount you need. If the amounts offered by the ATM do not suit you, select the “Other amount” option. In the window that opens, enter the amount you need - for example, 2300. The amount you entered must be a multiple of 100, since the ATM does not issue 50 rubles.

Once the amount has been entered, press the "Next" button. The ATM will ask you if you need a check or not - you just have to choose the answer that suits you. Next, the device will give you: