Reservation of a current account in Sberbank for legal entities and individual entrepreneurs. Reservation of a current account in Sberbank

Opening a current account for legal entities is accompanied by the execution of a certain number of documents. The “Account Reservation in Sberbank” service is designed to speed up business processes when working with counterparties. The owner reserves a room and starts working without waiting for it to open.

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The essence of the service

Reservation has a number of advantages:

• urgency. The booking process takes a few minutes. Money can be received on the opening day and stored there until fully activated;
• ease of maintenance. To make a reservation, you need a computer and the Internet, the system works without interruption for 24 hours. The number is assigned by the program and transferred to your personal account. Notifications about the transfer of funds come immediately after replenishment;
• availability. Your personal account can be managed from anywhere in the world with Internet access.

The service of reserving a current account in Sberbank is the assignment of a number without submitting papers for opening in the future. A person can use a reserved number before registering the main one.

What operations can be performed

The owner of a reserved account can replenish it (even on the opening day). Within 5 days from the date of booking, deposits can be made without confirmation of actions.

Other banking transactions are prohibited.

Documents for opening a current account must be submitted within 5 business days from the date of the transaction, otherwise the bank will be forced to return the money and cancel the reservation.

How to make a reservation at Sberbank

The reservation procedure provides the opportunity and time to provide a complete set of papers. The owner, in turn, can use the number to inform his counterparties.

To reserve a current account, the client fills out a form indicating:

• full name and legal form of the enterprise (information must fully comply with the Charter).

Online reservation

You can use the service and receive details remotely. (the authenticity of the company is verified automatically: the program checks the TIN number provided by the client with data from the Unified State Register of Legal Entities).

To do this you need:

• go to the official website;
• Click the “Small Business” tab;
• select “Cash and settlement services for legal entities and individual entrepreneurs” in the menu;
• fill out information about the organization;
• select the bank branch where servicing is planned;
• click "Submit".

Conditions

• The basis for the reservation is the instruction of the Central Bank dated May 30, 2014 No. 153-I. According to the document, a legal entity or individual entrepreneur registered in the Russian Federation can obtain a number;
• The bank gives the client 30 calendar days to collect the documentation necessary to open a current account. Papers must be submitted in original, copies are attached. A notary or bank employee has the right to certify copies;
• When making a reservation to support the State Defense Order and State Contract, the client must submit a set of required documents within 365 calendar days;
• One client is entitled to book only one room;
• Currency – Russian ruble.

If the package of documents is not submitted within the specified period, the reservation will be cancelled.

Important! The period for submitting documents is reduced to 5 working days if the money is credited to the reserved account immediately after its opening.

Before using the reservation service, the client must know that:

• reservation is of informational nature;
• the number issued at the time of booking may be indicated in the documents;
• the account works only for the receipt of money;
• Operations for crediting funds can be made on the day of reservation;
• expense transactions are possible only upon submission of a complete set of documents;
• after the number is cancelled, the money is returned to the sender.

Mode of using a separate account

You can also reserve a special account - a current account for fulfilling the conditions of the state defense order. When you book it, the money will arrive faster.

The client has the right to spend funds under the government order for advance payments for work under the government contract. Money is written off according to an order indicating the government contract identifier code.

Conclusion

To reserve an account with Sberbank for a legal entity, log on to the official website and register. Waiting for account reservation in processing – 5 minutes. This allows you to work with transfers of legal entities on the first day of registration, and helps resolve some business issues quickly and without risk.

Banking institutions in the Russian Federation have relatively recently introduced a service to the market called current account reservation. This service allows the head of a company or individual entrepreneur to receive an account number to which it will be possible to credit funds while being at that office and without providing any documents to the bank.

Account reservation for a legal entity: the essence of the service

Sometimes situations happen when a legal entity. a person or individual entrepreneur needs a current account, but it has not yet been opened. This can happen for the following reasons:

• you need to sign a contract with a business partner and receive an advance payment from him, but the bank account has not yet been opened;
• in case of participation in various kinds of tenders of a newly opened legal entity.

The reservation service at Sberbank is the provision of an account number without submitting to the bank the documents necessary to open it. Moreover, this service allows you to successfully carry out incoming transactions immediately after reservation. Sberbank makes it possible to use this service immediately after filling out an application for its provision. After that, he gives the client some time to prepare a complete package of documents and contact the bank to complete the opening procedure.

Is it profitable to reserve an account in advance?

Reserved payment details are an excellent solution from Sberbank. This service allows an entrepreneur or company not to rush to visit the bank immediately after registration, but to resolve more significant issues related to conducting business activities, shipping goods under agreements and contracts, preparing documents necessary for participation in tenders, and even making mutual settlements with such a structure , as the State Defense Order.

Using the reservation service from Sberbank has certain advantages. Let's list the main ones:

1. Urgency, since the process of registering a pre-opened account takes no more than 5 minutes. The funds will be credited on the day the client is booked and will remain there until the legal entity contacts the bank with a full package of documents for full opening.
2. Convenience of the service. To reserve payment details, you only need to have access to the Internet and a computer or mobile device. The application is submitted through the personal account of the Sberbank website, and its sending to the bank is possible around the clock. The number is generated by the program and indicated in your personal account on the bank’s website. If funds are credited to the reserved details, the responsible person of the company will be notified about this via SMS message.
3. Service availability. Due to the fact that the application is submitted using the banking website, you can use the service from anywhere in the world.

Procedure for reserving an account via Business Online

You can reserve a current account with Sberbank for legal entities through the bank’s website. To complete the reservation procedure you need:

How to fill out the form correctly

When filling out a reservation application, you must provide the following information:

• name of the legal entity or individual entrepreneur;
• citizenship (for an individual entrepreneur);
• company registration address;
• e-mail, as well as mobile phone;
• Full name of the head of the enterprise;
• type of organization that needs this service;
• account type and currency;
• the estimated annual revenue of the enterprise;
• OGRN and TIN of the company.

Next steps

After sending the application to the bank, the client will receive an email indicating the account number that was reserved, as well as a list of documents that the client must provide to the bank within 30 days (for mutual settlements under state defense orders, the account activation period is 1 year ). The package of documents must include:

1. Charter documents of a company or individual entrepreneur.
2. Licenses, in cases where the activity requires obtaining special permits.
3. Record sheet and extract from the Unified State Register of Legal Entities.
4. Orders confirming the powers of the company's top officials, as well as documents proving their identities.
5. Card of sample signatures of persons entitled to financial transactions on the organization’s current account.

This package of documents is submitted to the bank branch by the head of the company or a person who has the right to carry out such operations on behalf of the client. After filling out all the necessary application forms and checking the documents submitted by the company, the financial institution decides whether to activate the previously reserved account.

Current conditions for account reservation

Determines the possibility of reserving an account with Sberbank for a legal entity. According to these instructions:

• each client is entitled to only one reserved room;
• the currency of the booked account is ruble;
• the reserved number is provided for informational purposes and may be indicated in the client’s documents;
• reserved company details only work for incoming transactions.

Features of opening a savings account in this way

The main features of opening an account using the reservation method are:

• 30 days available to the client to submit documents for account activation from the date of its reservation;
• Until the completion of the registration procedure, the account works only in one direction - for crediting funds. Spending is prohibited;
• from the moment funds are credited to the account opened in this way, the client has 5 days to complete the registration procedure. Otherwise, the funds will be returned to their sender.

The nuances of using an account for state defense orders

A special account for working with the State Defense Order is reserved in the same way as a settlement account. The main difference is that the period for final registration is 1 year. The list of transactions allowed under the reserved account for the State Defense Order is as follows:

1. Spending of funds is allowed, but only to the performers or for the purchase of materials necessary for the execution of the State Defense Order.
2. You can make a payment to a non-resident if he is on the list of performers under the program.
3. Funds can be transferred to fulfill budget payments related to the purchase of goods at prices established by the state.
4. Profits that are associated with the completion of work under a government contract can also be transferred to the account (a prerequisite for crediting funds is the provision to the bank of a work completion certificate signed by the customer and the contractor, which must indicate the amount of profit).
5. Payments for other expenses are allowed. The limit on such expenses is 3 million rubles. per month.
6. It is possible to close such a special account, but the bank will be able to close it only if it receives a letter from the customer about the fulfillment of contractual obligations.

conclusions

Reservation of a current account for a legal entity. individuals and individual entrepreneurs in Sberbank is a fairly simple and quick procedure. This service is very popular among bank clients, as it makes it possible to receive payments from counterparties from the moment the booking is made. This procedure is convenient and does not carry any risks.

Sberbank Online is designed for remote management of accounts and deposits. It allows clients to perform a number of operations related to a personal current account at any time: viewing its data and status, clarifying its number, . In addition, for business needs, there is a special option for reserving a personal account. The main condition for receiving account information through the service is connecting to the service.

How to open a current account in Sberbank Online

Currently, the service does not provide the ability to open a current account. You can open a current account using standard procedures at a bank branch. A bank card is linked to the current account of individuals. After opening an account and receiving a card, you can manage it through the Sberbank Online service.

How to view your current account in Sberbank Online

To view data and account status through the service you must:

1. Log in to your personal account.
2. Go from the “Home” page to the “Maps” tab.
3. You can view detailed information for each current account. To do this, you need to “click” on the card of interest and go to its personal page.
4. On the account page there is a “card information” tab - click on it.

How to find out your current account in Sberbank Online

Often, to carry out a number of operations you need to know your account number and other data. To do this you need:

The indicated twenty digits are the current account number. This data should not be confused with the numbers displayed on the bank card. The number indicated on the card is the identifier of the card itself.

Reserving a current account in Sberbank Online

Sberbank provides the opportunity to reserve a current account independently, without visiting the bank.

To perform a backup operation remotely you need to:

The reservation procedure includes the following activities:

1. Entering the required data into a special form.
2. Create an account and assign a number to it.
3. Data verification and reservation confirmation.

The average duration of all activities is about 5 minutes. Reserving an account makes it possible to deposit or transfer funds to the account within 5 business days from the date of the procedure. During this period, the client must provide originals of the required documentation to confirm the procedure.

After providing the required package of documents and checking them, the procedure is considered complete, which gives the right to carry out the entire list of operations, including expenses. If the required documents are not provided to the bank within five days, the reservation of the current account is canceled and all funds on it are returned.

A completely new service has appeared on the domestic banking market - online account reservation. It is provided to its clients by the largest financial institution in the country - Sberbank of Russia.

Thanks to this, clients have the opportunity to quickly receive a current account number, which will be opened after contacting the bank. Eventually, the client can immediately transfer funds to him.

Moreover, to do this, you can stay at your workplace or not leave your home. All that is necessary for this is to go to the official Internet resource of Sberbank.

A service for our state online account reservation is new. Therefore, it has not yet become widespread in the financial sector. But its convenience is difficult to overestimate. After all, representatives of small or medium-sized businesses in this case can quickly obtain their own current account number without visiting a bank branch.

Sberbank became one of the first among other financial organizations in the country to decide to provide its clients with this type of service. In order to take advantage of the described opportunity, the client must visit the official website of the institution, find and fill out the appropriate application indicating all the necessary details of an individual entrepreneur or legal entity.

Next, the system will immediately give the client a current account number in rubles, which was reserved in his name. The system also provides the visitor with full payment details of the reserved current account. The whole procedure will not take more than five minutes.

Clients have the opportunity to reserve accounts remotely while on the road, in the office, or at home. In addition, the opportunity is available both on weekdays and on weekends or holidays, and, in addition, at any time of the day. This speed of registration is extremely important for entrepreneurs and legal entities.

After all, very often there is a need for a current account, which must be promptly communicated to the company’s counterparties. In addition, there are situations when it is necessary to redirect all incoming external payments to another banking institution as quickly as possible.

Before this, for all known reasons, this was a practically unattainable task. After all, it was necessary to collect a complete package of documentation, and, in addition, visit a bank branch to opening an account.

Thus, the possibility online account reservation at Sberbank is an extremely attractive offer. Its main “trump card” is the ability to provide an account to counterparties immediately after reservation. Moreover, the banking institution can immediately accept funds into the specified account after completing the reservation procedure.

At the client's request, the bank can provide information on a reserved current account using one of the most modern and convenient methods. During the process of registering an account on an online resource, the client indicates his own email address, as well as a mobile phone number.

Using the latter, the client will be able to receive information not only about the account that is reserved, including its number, as well as details, but also about the receipt of funds to it. The financial institution will also notify the client that it is necessary to come to the branch to finalize all documents for the full opening of the account.

It is worth noting that the reserved account number is retained by the entrepreneur or enterprise for five working days. During this period, the client is obliged to present to the employees of the financial institution a package of documentation to open a current account. It should be noted that a complete list of required documentation is provided on the Sberbank website.

When reserving an account on a financial organization's resource, the user can select the branch where he wants to go through the final stage of registering a current account. This is a very convenient option. After the client receives a positive response from the banking institution regarding the documentation package, possibility of carrying out debit transactions on the current account.

However, the possibility online account reservations is not the only “advantage” of opening current accounts with Sberbank of Russia. At the moment, more than two million current accounts are serviced by the banking institution. Therefore, it often happens that two counterparties use the current accounts of a given institution.

Therefore, their joint work will be organized much more quickly and conveniently. After all, payments within the system of one bank are carried out much faster. Among other things, for transactions carried out between accounts opened with Sberbank, in any case, the price is lower than in the case of sending funds to accounts opened with other financial institutions.

In the last month of this year, Sberbank makes a gift to those of its clients who have used the described account reservation service, which is the free opening of this account. In addition, clients have the opportunity to connect to the Sberbank Business Online service for free.

Sberbank of Russia provides online account reservation service legal entities (not credit institutions), as well as individual entrepreneurs who are residents of our country.

Information about these business entities must be kept by the federal tax service. Only one current account can be reserved for one company or entrepreneur. If after 5 days the account is not opened, it is automatically canceled and all available funds are returned to the senders.

People who do business know very well that sometimes every minute matters. In situations where you need to quickly open a new checking account, delay can jeopardize the conclusion of an important contract. But it is not always possible to quickly collect a package of documents and get to a bank branch. And in this case, Sberbank’s new service can help - online reservation of a current account.

Sberbank introduced this new service to the market at the end of last year, and this offer immediately showed itself in action - 12,000 accounts were reserved in two months. This popularity can be explained simply: the service helps save time and make opening a current account more convenient. Now you can get your current account number in 5 minutes without leaving your office or home.

To do this, you need to have access to the Internet and fill out an application on the Sberbank website. To reserve an account online, a legal entity or individual entrepreneur just needs to indicate the OGRN, leave contact information and select a bank branch convenient for opening and maintaining an account. After this, you will be able to receive your current account number and bank details.

Individual entrepreneur Kostikova Tatyana Yurievna:

“I have been registered as an individual entrepreneur since March 2014, in November I decided to participate in a business development grant for small entrepreneurs. One of the conditions for this was the presence of a current account, but I only found out about it on December 30, and the deadline expired on December 31 submitting documents. This jeopardized the issuance of the grant and negated all the efforts I had made to realize my dream - opening my own business. There was no time left to think, and so at 17:30 on December 30, I called Sberbank and found out about the possibility of online reservation. accounts. And on December 31, I submitted the new details of my account to the administration to receive a grant. Thus, I was able to realize my dream.”

An important point: after reserving an account, its number can be immediately communicated to counterparties - Sberbank will accept funds in favor of the client. By specifying a mobile phone number when reserving an account, the client will be able to receive information about the receipt of funds to this account. Using SMS notifications, the client will be notified not only about the availability of funds, but also when it will be possible to go to the selected bank branch and complete the account registration.

When making an online reservation, the client's current account number is retained for five business days. During this time, you need to visit a bank branch and, in accordance with legal requirements, provide the package of documents necessary to open a current account. Once the account is opened, the client will be able to perform all operations on the reserved account, including expenses.

From March 1, 2015 to June 30, 2015, Sberbank has a special offer for those who reserve a current account online. During this period, with the simultaneous registration of any current package of cash settlement services, a free opening of a current account in Russian rubles and connection to the Sberbank Business Online Internet bank are provided.

Choosing a reliable partner is an important step in developing your own business. Sberbank offers modern high-tech business solutions and an integrated approach to resolving issues for its clients. The advantages of opening and maintaining accounts with Sberbank are a wide branch network and its own settlement system, which allows you to quickly make large volumes of payments.

1 5 minutes is the average time required to fill out a form for a legal entity or individual entrepreneur, generate a current account number and the necessary identification procedures when using the “Online current account reservation” service on the website www.sberbank.ru.

2 Within 5 business days from the date of receipt of the online current account number, the Bank accepts funds for subsequent crediting to the reserved current account on the day of its opening. In case of failure to provide documents for opening a current account within 5 business days, the account is canceled and the funds transferred using the account details are returned to the senders.

3 One of the following packages of Sberbank cash settlement services: “Active”, “Business”, “Optima”, “Salary” and “Trading”.
4 The fee for servicing the current account and the monthly fee for using the Sberbank Business Online system are charged according to the current tariffs of the Bank. In Moscow, the “Online reservation of a current account” service is not available at the OPERA of the Moscow Bank at Vavilova, 19.

The service "Online reservation of a current account" is provided to legal entities (with the exception of credit and autonomous non-profit organizations) and individual entrepreneurs - residents of the Russian Federation, information about which is contained in the Federal Tax Service of the Russian Federation. For one legal entity or individual entrepreneur, no more than one current account is reserved during the reservation period (5 business days from the date of receipt of the current account number online).

A reserved current account must be opened within 5 business days from the date of reservation by submitting a set of documents required for opening a current account to the Bank branch selected when filling out an application on the website (www.sberbank.ru). If a current account has not been opened during the reservation period, the specified account is automatically cancelled; funds received for crediting to the reserved account are automatically returned to the sender. For detailed information about the “Online reservation of a current account” service, please visit the Sberbank website www.sberbank.ru, at Sberbank branches serving legal entities and individual entrepreneurs, or by calling toll-free 8 800 555 84 84.

The conditions are valid from 03/01/2015 to 06/30/2015 (inclusive). Changes in conditions are made by the Bank unilaterally. The information presented in this material is not a public offer. OJSC "Sberbank of Russia". General license of the Bank of Russia for banking operations N 1481 dated 08.08.2012.