Raiffeisenbank is a bank for legal entities. Current account with Raiffeisenbank. Conditions and tariffs for cash settlement. Account opening algorithm

Each legal entity the fact of first-class service by bank personnel is important to a person. The development of the business in the future depends on a successful tie-in. So, it is better to choose a credit institution in which you will need to open an account for an individual entrepreneur more responsibly and carefully. Raiffeisenbank is exactly the company whose responsibility and attitude towards clients is paramount. Opening a current account for a business with Raiffeisenbank is not so difficult. Let's consider the main points.

What you need to open a current account with Raiffeisen Bank. Format and application form and list of documents

Documents for opening an individual entrepreneur account:

• A completed application form.
• Account opening application.
• Bank account agreement.
• Card certified by a notary with a copy of the seal and signature.
• Identity documents of the client.
• OGRNIP certificate.
• Identification code.
• License, if any.

The list of documents in order to open a current account for an LLC with Raiffeisenbank is slightly different:

1. Items 1, 2, 3, 4, 7, 8 from the previous list.
2. Charter.
3. Documents confirming the powers of the sole executive body (director, general director, etc.), as well as the powers of people who have the right to sign.
4. Certificate of the main state registration number.
5. Extract from the register of participants.

An example of each document can be found on the Raiffeisenbank portal. Unlimited access, downloadable and pre-filled before submission.

Is it possible to apply online to open a current account. Where and how to submit it

To open an account with Raiffeisen Bank online, you need to go to the category "Corporate business" or "Small business", depending on the type of your business. Now you need to select "Banking services" in the first case or "Settlement and cash services" in the second. For medium and large businesses - choose the service "Opening and maintaining accounts". For small business - click the "Open an account" button. Today there are 4 RKO tariffs - Start, Basic, Optimum, Maximum. The most popular is the optimum account. On the official website, before placing an application, you can study the tariffs.

On the new page, now you need to correctly enter the following data about your commercial enterprise:

• Name of the organization;
• Annual income;
• Contact phone number;
• E-mail address;
• Enterprise website;
• Town;
• Service department.

For medium and large businesses, you need to select the desired service and leave a request.

An employee will contact you within 24 hours, with whom you need to discuss the details of the meeting in order to resolve all sorts of details and formalities. Usually a bank representative comes to your office.

Commission for depositing cash to the current account

If you want to open a current account for individual entrepreneurs with Raiffeisenbank, you need to study the tariffs in order to know what to expect in the service process.

On the territory of Moscow and the Moscow District, the commission for depositing funds by the client is 0.25%. In other cities, the commission will be 0.19%. Regardless of location - at least 290 rubles.

Owners of the "Currency" package of services for recounting and depositing money into the account must pay a commission of 0.25%, but not less than 290 rubles.

Holders of METRO Optimal, METRO Basic, Business 24/7, Business 24/7 Optimal, Business 24/7 Basic, Business 24/7 Premium for depositing funds through terminals and ATMs Raiffeisenbank pay a commission of 0.19%.

The operation of depositing funds to an account serviced in the UNISTREAM partner network is free of charge.

How to close a current account with Raiffeisenbank, if necessary. How to write a statement

It happens that the client does not plan to continue using the current account, or this need has disappeared. The question arises, how to close the account? To do this, you should contact the bank branch and write an application. The form is available on the website of the organization, you can easily familiarize yourself with it and pre-fill it before submitting.

After writing the application for closing, all operations will be completed on the account. The balance of funds can be transferred to another account, the details of which are indicated in the application for closing, or received in cash at the bank's cash desk.

Reading 7 min. Views 75 Posted on 04/29/2018

Raiffeisenbank is the largest subsidiary of the Austrian financial group, which, in turn, began its history in the nineteenth century. For several years, the credit institution has been a leader in Russia, offering a wide range of financial services for individuals, representatives of small, medium and large businesses. One of the services offered by the bank is opening and maintaining current accounts for legal entities and individual entrepreneurs. Let's consider how to open an account with Raiffeisenbank for legal entities and individual entrepreneurs, what conditions the bank offers.

Raiffeisenbank official website

Benefits of cooperation

To begin with, it should be said that for every entrepreneur, the reliability of a commercial bank and its financial stability are of primary importance, because we are talking about their own capital. That is, so that there are no problems with the return of their own funds in case of revocation of the bank's license, before opening a current account, a potential client will certainly take an interest in the ratings of banks. If we are talking about Raiffeisenbank, then clients have nothing to worry about, for the simple reason that the credit institution ranks 13th in the rating, and has a positive growth trend.

Now we will give the main advantages that the client will receive in cooperation with this organization:

• a client can open a current account both in domestic and foreign currencies;
• you can reserve a current account remotely on the official website of the bank before submitting documents;
• the bank carries out settlement transactions within one business day;
• a client can open several bank accounts, but only one pays.

Please note that to apply for a current account, you can remotely fill out a short questionnaire, after which the client is assigned a current account number, which he can use before submitting documents to the bank.

Tariffs

Before opening a current account with Raiffeisenbank for LLC, you need to carefully study the tariffs and conditions. It should be said right away that the cost of the bank's services will largely depend on the regional affiliation, and to be more precise, the tariffs for Moscow residents are higher than for other regions. Here is a comparative table of the cost of services, which will indicate, first, prices for Moscow, and then for other regions.

Among other things, the bank offers to receive a plastic card within the current account for the most comfortable receipt of cash at any time of the day. It should also be noted that the credit institution does not charge a fee for opening a current account, this operation is included in the service cost.

How to open an account

In order to open a current account with Raiffeisenbank for individual entrepreneurs and LLCs, you first need to familiarize yourself with the current terms of service, for this you need to open the official website of the bank, which is located at. Here you can familiarize yourself with current offers and terms of service.

After that, you can fill out an application after clicking on the "leave an application" button. After a while, the manager of the financial institution will contact you, who will tell you the list of required documents and will tell you the number of the current account. Next, you can use your account to accept payments from counterparties.

The list of documents required for individual entrepreneurs is as follows;

• personal passport;
• tax registration certificate;
• an extract from the Unified State Register of Individual Entrepreneurs;
• a license to carry out a particular type of activity, if necessary.

For legal entities, the list of documents is slightly different:

• founder's passport;
• document confirming the appointment of the head;
• a card with samples of signatures and seals of authorized persons;
• charter;
• extract from the Unified State Register of Legal Entities;
• a license to carry out a particular type of activity;
• tax registration certificate.

Please note that the list of documents is provided for residents of the Russian Federation, for persons who are not residents of the Russian Federation, you must additionally provide a document on registration of a foreign organization.

Additional services

For some, it may seem that the cost of bank services is quite high, especially for start-up entrepreneurs. But in fact, this is far from the case, because the concept of settlement and cash services is quite extensive, the service consists of many components, if other organizations charge fees for additional services, then most of them include the cost of the tariff and there is no need to pay for them separately. Here is a list of the bank's additional services.

Foreign exchange control

Currency control in the Russian Federation is carried out on the basis of legislation, commercial banks are obligatory agents of currency control, which means that they are obliged to provide their clients with some services. Including advising on transactions with foreign counterparties, preparing accompanying documentation, and drawing up transaction passports.

Each Raiffeisenbank client can leave an application for opening a foreign currency account on the bank's official website. In addition, here you can use a specialized package of services "Currency", its cost is 4100 rubles per 1 month, the rest of the services provided to legal entities carrying out transactions in foreign currency with foreign partners. The fee is only charged for the implementation of settlement transactions in the form of a commission fee.

Cash collection

The Bank offers its clients the service of collection and transportation of valuable goods. The main advantage of a financial institution is that here the client can individually draw up a collection schedule for his organization, as well as order the delivery of change coins and banknotes, employee salaries and other accompanying services.

Corporate cards

Plastic cards within the framework of settlement and cash services are provided free of charge. With the help of them, the leaders of the organization can most effectively control the expenses of their subordinates, pay the expenses of seconded employees, facilitate the work of the accounting department, eliminating paperwork.

Acquiring

Acquiring services today are used by most of the enterprises in the field of trade and services. RaiffeisenBank offers the service on the most favorable terms, there is no charge for the installation of equipment, among other things, there is no equipment maintenance fee. The cost of settlement and cash services includes staff training and round-the-clock technical support.

Important! The commission for money transfers is 1.79%, funds are credited to the current account on the next business banking day.

By the way, if an enterprise has an official website and provides services remotely, then its owners can use the Internet acquiring service. Its essence lies in the fact that you need to accept payment from bank cards on the official websites of the organization... The cost of such a service is 2.9% of the transfer amount.

Remote services

Finally, remote services, in particular, Internet banking, are important for the client. RaiffeisenBank offers the owners of current accounts a bank-client - this is a convenient and functional online service that allows you to get round-the-clock access to your account to control the turnover and make payments.

Please note that online banking is free.

To summarize, opening a Raiffeisenbank current account will not take a lot of client's time and will make doing business easier and more comfortable. Among other things, a great advantage of the Bank is that technical support works around the clock, so clients can receive consulting services at any time of the day or night, without interrupting their usual business.

More details

Here you can open an online cash settlement service for an LLC or individual entrepreneur directly on the Raiffeisen Bank website.

For legal entities, Raiffeisenbank provides settlement and cash services in any locality where there are branches. Affordable rates include a range of services for the creation and maintenance of current accounts in rubles and foreign currency.

Tariff selection

Raiffeisen Bank offers potential clients various programs operating in the territory of the Russian Federation. Some of them, for example, offer a 5% refund on the purchase of gasoline, free insurance for travel to other countries, additional cards and other pleasant bonuses.

If a legal entity makes an advance payment, the cost of services will decrease by 25%.

When choosing a tariff for opening a cash settlement office, it is important to remember not only the amount of the subscription fee, but also the number of non-cash payments, connecting a mobile bank, etc. Large and stable companies, most likely, will need to issue a corporate card, and a package for the head.

Individual entrepreneurs and LLCs wishing to make the right choice of a banking product for a business are considering the following options:

• for beginners in this field with a small number of employees;
• medium-sized organizations and manufacturing enterprises;
• service at a premium level for companies with high income and huge cash turnover.

Bank representatives will advise, help navigate the abundance of options. The possibility of switching to another plan also exists; for this, an online application is submitted and a thousand rubles are paid.

What are the benefits

Firms-residents of the Russian Federation and those that are not can open a current account in a financial institution.

What the bank guarantees:

• consideration of requests for service registration via the Internet;
• no commission for the creation of a PC;
• reservation of details within five minutes after sending the form;
• Internet bank with a high level of protection;
• work of the support center 24/7;
• financing of entrepreneurship;
• providing business cards;
• discounts;
• issue of corporate plastic with a grace period of up to 45 days.

What should be done

To open an account, the applicant performs the following actions:

• Fills in the application online and sends it to the Federal District.
• Within 10 minutes, a manager will contact the user, who will inform the reserved details, and also tell you what documentation you need to present.
• To sign the agreement, it remains to visit the bank branch (or the employee will come himself).

What papers are needed:

• charter;
• confirmation of registration with the IFTS and registration of the organization;
• extracts, orders confirming the rights of the management;
• manager's passport;
• samples of signatures and seals.
• licenses.

When rights are transferred to third parties, a power of attorney must be in place.

Many users who cannot decide on the choice of a suitable tariff go to the site. Here it will be possible to deal with this issue very quickly, because the visitor sees all the important information, conditions, rules and prices in front of him on one page. It instantly matches the parameters, highlights the ideal option and opens the PC online.

Other banks:

Sberbank, Tinkoff Bank, PSB, Tochka Bank,

The financial and credit organization Raiffeisenbank provides support to small, medium and large businesses, providing its services for settlement and cash services in any area where there are branches of the bank. RKO Raiffeisenbank is a set of services, the task of which is to provide high-quality customer service and manage their accounts.

Conditions of cash settlement

Settlement and cash services is a collection of various services. The client has the right to independently choose the necessary services from the proposed list or connect a package that saves financial and time resources. The RKO complex includes the following operations:

• Opening and booking settlement accounts.
• Cash collection. It can be held every day according to a specific schedule or by prior arrangement. Cash collection services include the delivery of proceeds to the bank, recalculation and transfer of money to the current account until noon of the next business day Moscow time, delivery of small bills and small change, delivery of money by check.
• Issue of corporate cards. The presence of such cards allows you to prevent the possible use of company funds by employees for personal purposes. By using a corporate card, you can reduce paperwork and additional costs.
• Remote service.
• Currency and currency exchange operations. It is fast and convenient for any business project.

In addition, all equipment necessary for work is installed free of charge. Technical support works daily 24 hours a day. We accept cards of all payment systems. All of these are excellent conditions for Raiffeisenbank's cash settlement services for legal entities.

One of the main advantages is the ability to issue an account in Russian rubles and other convenient currencies. There is access to any cash transactions, financial transactions in Russian rubles, collection and transportation of funds and valuable goods. The client also has a package of services with a specific set of operations that will be useful when implementing new business ideas. In addition, Raiffeisenbank's RKO is suitable for LLC.

Tariffs for the provision of cash settlement services

Tariffs for Raiffeisenbank's cash settlement services are provided in such a way that each client can find a convenient option for running his business. Among them:

These tariffs of RKO Raiffeisenbank for legal entities are relevant for clients from Moscow and St. Petersburg. In other areas, prices are lower. From the first day of spring 2017, a new tariff plan came into force, where some data were changed. It should be noted that there is no commission for transactions on the account if the amount of transactions does not exceed the limit on the tariff. By the way, tariffs can be changed an unlimited number of times and at any time you can switch from one to another. The amount of switching to another tariff plan is 1000 rubles.

Important!

RKO Raiffeisenbank for individual entrepreneurs is a guaranteed high-quality and comprehensive service together with the timely execution of any financial transactions. To make the service as comfortable as possible for customers, the employees made it remote. Now you can get the required data or documents without leaving your home or office. The cash settlement service at Raiffeisenbank receives praise from customers, which is well deserved.

Raiffeisenbank, which has appeared in Russia since 1996, is the largest foreign group in our country. It provides a wide range of services to all segments of the population, paying special attention to business clients.

Banks of this group have appeared since the middle of the 19th century, so they managed to gain trust and prove themselves on the positive side.

Benefits of settlement and cash services at Raiffeisenbank

Both individuals and organizations that are residents and non-residents of the Russian Federation can issue an account in Russian or foreign currency.

Raiffeisenbank guarantees its clients:

• prompt consideration of the application;
• free registration of an account;
• online booking of bank account details in 5 minutes;
• convenient and multifunctional internet bank;
• round-the-clock support service;
• a wide range of additional options (for example, currency control, cash collection service);
• providing a discount of up to 25% when paying for the tariff service in advance.

Additionally, the bank offers to issue a loan for business development, connect acquiring for accepting bank cards, order a salary project, take part in auctions and tenders, get a business card, etc.

If a subscription fee is paid in advance for 12 months, the client is served for three months free of charge. Did you pay 2 years in advance at your rate? In this case, the bank provides six months of free account maintenance.

Tariffs for cash settlement services at Raiffeisenbank

The bank offers four main tariff plans, the terms of service of which depend on the place of business registration. To find out what the cost of a specific package of services in your locality is, you need to contact a specialist at 8-800-700-91-00 or visit the nearest office.

Listed below are the conditions for servicing the tariffs offered by the bank in the capital, St. Petersburg and the Moscow region.

You can familiarize yourself with the tariff plans of settlement services from Raiffeisenbank for legal entities and individual entrepreneurs and the terms of service of settlement accounts using a special one, presented on the bank's website.

How to open a current account with Raiffeisenbank for a sole proprietor or LLC?

Is there a bank branch in your town? Prepare certain documents for registration of a bank account and contact the office to apply for the desired service.

The manager will provide the forms necessary for filling out, for example, a client's questionnaire. You can find the nearest branch using this online map.

Opening a current account with Raiffeisenbank for LLCs and individual entrepreneurs is possible remotely, following the instructions below:

1. fill in the fields of the electronic request form;
2. wait for a specialist's answer;
3. book an account number and specify what documents will be required to complete the transaction;
4. sign the appropriate agreement by meeting with a bank representative at a convenient place for you or at the nearest bank branch.

In the online application form for a settlement account with Raiffeisenbank, it is required to indicate the status of the applicant, his phone number, TIN, the name of the organization (if the bank account is issued for a legal entity), the name of the city where the business is registered and the address of the bank office for signing the contract.

As a rule, the specialist will call the applicant within 10 minutes after sending the online request. The maximum waiting time is one business day.

Documents for opening a current account with Raiffeisenbank

A private entrepreneur undertakes to provide the office with a minimum set of documents for signing an agreement on registration of a bank account and banking services - a passport, a card with samples of signatures and imprints of seals, licenses, certificates and patents (if any).

At the same time, the manager has the right to additionally request an extract from the USRIP, a certificate from Rosstat, a certificate of registration with the Federal Tax Service and other papers.

Legal entities are required to prepare:

• Charter;
• a card with samples of signatures and seals;
• documentation confirming the authority of the head of the organization;
• passports of persons with access to finance on the bank account;
• patents, licenses and permits (if any);
• list of co-founders of the legal entity.

The manager also has the right to request the presentation of additional papers from the representative of the organization, for example, extracts from the Unified State Register of Legal Entities, certificates from Rosstat, etc.

Check the list of documents required in your case from a bank employee by phone, via online chat or when visiting the office.

Reviews about cash settlement facilities at Raiffeisenbank

Alexey, Belgorod

The most convenient internet bank I've ever seen! The interface is clear, it is easy to manage the account, there is no commission for using it, there are many useful functions. I work via Mac, never had any problems. In general, I like Raiffeisenbank. The bank is reliable, so I opened a checking account there without hesitation.

Anton, Anapa

I have opened a current account with Raiffeisenbank for a long time. Among the main advantages, I can single out a quick review of any issues by phone, instant intrabank payments, free transfers to individuals, a profitable salary project and acquiring, as well as an affordable overdraft. Considering all the advantages, the cost of servicing the account is not high, because you can significantly save money by paying the subscription fee in advance, which is what I am doing.

Love, Irkutsk

I submitted an application through the website - I received the account details within an hour! I liked that the phone manager told in all the details about the advantages and features of each service package offered by Raiffeisenbank. I have been a client of the bank for almost half a year now and I am glad that I opened an account here. Affordable prices, excellent service quality, convenient Internet banking - everything for business development!

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