Settlement account for SP what documents are needed. Opening a bank account step by step instructions, required documents for opening an account. Bank plastic card
A bank account is required for mutual settlements with contractors, employees, government agencies. It is required for legal entities and recommended for IP. What documents do you need to collect to open a current account?
Registration in the bank for IP
It is not necessary for individual entrepreneurs to open. But he'll need if the IP plans to receive or send non-cash payments.
In addition, the use of cards and accounts registered in the name of an individual for business is contrary to the instructions of the Central Bank of the Russian Federation. In such cases, the bank has the right to refuse operations.
In the general case, in order to open a current account for an individual entrepreneur, it is necessary to prepare the following documents:
- IP registration certificate;
- certificate from the Federal Tax Service on registration (with TIN number);
- passports of persons participating in the account opening (their data and signature samples will be entered into the card);
- (or a record sheet in the form P6009, if the IP is less than a month old);
- a letter in the form of a bank confirming the address, if the place of registration of the IP does not match the registration;
- print (if any).
Each bank itself determines which documents must be provided in copies and whether they need to be certified. This information must be clarified at the branch before opening an account.
RS for legal entities
A legal entity must have in order to carry out its activities. To do this, the following documents are brought to the branch of the selected bank:
- certificate (issued upon registration);
- certificate from the Federal Tax Service on registration of a legal entity (with TIN and KPP numbers);
- charter certified by the seal of the Federal Tax Service;
- (or a record sheet in the form P50007, if the legal entity is less than a month old);
- minutes of the meeting of founders on the formation of a legal entity and the appointment of a director (order);
- memorandum of association (if any);
- documents for legal address(lease agreement, purchase and sale of premises, certificate of ownership, letter of guarantee from the owner, etc.);
- license for certain types of activities, see Federal Law No. 93 of 05/04/2011;
- passports of those participating in the opening (their data and signature samples will be entered on the card);
- YL stamp.
Exact list required documents specified in the bank branch. Some financial institutions require copies to be provided along with the originals, sometimes notarized.
Features of the procedure
The most important stage of opening an account for a legal entity or individual entrepreneur is bank selection. A financial institution must be suitable for location, tariffs and level of service. Important factors are the availability of an Internet service, a personal manager, additional services for corporate clients and profitable offer for business lending.
Application to the bank
The basis for opening a current account is an application from a representative of a legal entity or individual entrepreneur. It is written either in the presence of a teller and certified by signatures and a seal, or prepared in advance on a bank letterhead.
What is stated in the application:
- information about the client (organizational and legal form, names, location, contact details);
- request to open an account;
- signatures of the head and chief accountant, ;
- operator marks.
In many large financial institutions, the account opening procedure can be initiated using an online application. In this case, the bank checks the client and prepares forms for him (cards, contracts, questionnaire, account in the Internet application), and then invites representatives of the legal entity or individual entrepreneur to sign the documents.
Standard Package
When opening an account, the client fills out a card with a seal imprint and signature samples. The document is drawn up on the letterhead of the bank in the presence of a teller or a notary. Its current sample is in the appendix to the instruction of the Central Bank of the Russian Federation No. 153-I dated May 30, 2014.
The card contains the data of all persons entitled on behalf of the organization to manage the money in the account. On the front side, information is filled in about the client, his location, phone number, bank name. In the "Other notes" field, information is entered about temporary cards, their validity period, cases of replacement, issued account statements.
The reverse side contains the full names of persons who can conduct transactions on behalf of the organization, samples of their signatures, term of office, date of making entries. A stamp is affixed in a separate field.
In addition to the card, the client signs and fills out a questionnaire. The last document is necessary for the bank to determine the nature of the business relationship with the client, the source of his income, financial position, reputation, etc.
How to open a representative
To open a current account, representatives of the organization (manager and chief accountant) must come to the branch with a package of documents at the request of the bank. If the card is filled out not beforehand at the notary, but in the presence of the teller, all persons entitled to sign should arrive.
An application, agreements for opening an account and servicing through an Internet application, a questionnaire are filled out directly at the bank. The money for the operation is paid into the cashier.
The procedure takes 1-2 working days. Some banks ask you to pre-submit an online application in order to prepare documents and check the organization before meeting with its representatives in person.
After registration, the client receives the original contracts and a sheet with a tariff scale, a certificate of opening an account with details, a login and password for an Internet application, and a plastic corporate card.
All the nuances of opening a current bank account are in this video.
Additional information and requirements
Sometimes, in addition to documents from the standard package, the bank requires additional ones. These include, for example, a notification of the assignment of statistical codes from Rosstat. According to the instructions of the Central Bank of the Russian Federation No. 011-31-1 / 4394 dated 10/27/2011. it is not necessary to provide it. It will be illegal for a bank to refuse service on the basis of its absence. Nevertheless, you can get it for free at the territorial office of Rosstat or download it yourself from the official website www.gks.ru.
According to the Regulations of the Central Bank of the Russian Federation No. 499-P dated October 15, 2015, the bank before servicing checks a potential client using databases of state institutions and information from the network. If he has doubts about the legality of the company or individual entrepreneur, he may require additional papers: tax reporting(if the organization is not just created), conclusions audits etc.
Notifications to the Federal Tax Service, PFR and FSS
Independently inform the tax service, the Pension Fund of the Russian Federation and the Social and Compulsory Funds health insurance opening a checking account is not required.
According to the Federal Law No. 59 of 04/02/2014 and the Federal Law No. 52 of 04/02/2014, this obligation is assigned to the bank.
Legal entities and individual entrepreneurs are required to report to the tax office about in a foreign financial organization within a month.
You can notify in person (by filling out the application form to the order of the Federal Tax Service No. MMV-7-6 / [email protected] dated September 21, 2010), by letter or online - through the public services portal www.gosuslugi.ru using .
Other forms of ownership
In some cases, representatives of the organization are required specific documents in addition to the standard package.
So, the company must provide a regulation on the opening of a representative office and an order on the appointment of its head. A foreign company whose head office is located outside the Russian Federation needs papers confirming its legal status (registration) and notarized translations of documents for servicing in a bank. Sometimes an accreditation certificate (an extract from the relevant register) is required.
Individual entrepreneurs who are not citizens of Russia additionally need a migration card and a passport.
Complete lists of documents for companies with different organizational and legal forms are contained in Ch. 4 instructions of the Central Bank of the Russian Federation No. 153-I dated May 30, 2014
Power of attorney
In accordance with the Regulation of the Central Bank of the Russian Federation No. 499-P dated October 15, 2015, the bank is obliged to identify the client. It is established that the verification procedure is developed in each financial institution independently.
The bank may (but should not) require at least one face-to-face meeting with management and refuse to initial design account to a representative of a legal entity or individual entrepreneur in accordance with its security policy. This information is indicated on the official website and in the terms of service.
Nevertheless, most banks accept representatives of an organization or individual entrepreneur with a power of attorney to open an account, and if in doubt, they themselves go to the office of a potential client. Sometimes in such cases there are additional requirements for documents, for example, their mandatory notarization.
Replacement of the sample signature card
The card with sample signatures must be changed when changing the head or chief accountant, or the legal form of the legal entity, the seal or persons entitled to manage the company's money. In each of these cases, different documents are provided to the bank.
So, when changing leadership, you need:
- a letter with the reason for replacing the card;
- extract from the Unified State Register of Legal Entities;
- a new notarized card;
- documents confirming the powers of the persons included in it.
A complete list of documents must be clarified at the bank branch or with a personal manager.
Temporary settlement (accumulative) account
A temporary current account is created by a bank for an organization before it state registration for making membership fees. It is formed on the same balance on which it is subsequently planned to open a permanent account.
What documents are required for this:
- statement;
- depending on the legal form: charter, agreement or decision on the establishment of a legal entity;
- copies of the founders' passports.
The bank has the right to demand additional securities if necessary. Applicants receive a certificate with details. A temporary account is designed to accumulate money, that is, you cannot withdraw funds from it. The bank continues to serve him until the opening of a permanent current account or until it is closed at the initiative of the owners.
Reasons for rejection
Before starting the service, the bank checks the client: collects information, including from the Internet and government agencies, meets with management, etc.
If for some reason the selected organization refused to open an account, the legal entity has the right to submit an application and documents to another.
The bank may refuse settlement service in accordance with Federal Law No. 115 of 08/07/2001 on the following reasons:
- providing incorrect information about the location of the company;
- received information about the illegal activities of legal entities or individual entrepreneurs: money laundering, terrorist financing, etc.;
- information about problems with the law of the leaders or founders of the company;
- registration of a company at a mass legal address;
- errors in filling out documents;
- outstanding debts on other settlement accounts.
Closing procedure
An organization or individual entrepreneur can close a current account upon application. In this case, the client must hand over to the bank checkbooks with spines and unused sheets.
If there is money on the account, the bank is obliged to transfer them to the specified details within a week after receiving the application. If there is a debt, it must first be paid off.
The bank must, upon application corporate client close the account, even if it is subject to a valid tax ban. But in this case, the rest of the money is transferred to the owner only after the removal of all restrictions.
The closing of the account takes place no later than the next business day from the date of registration of the application.
Collecting and filling out paperwork to open a current account is not difficult. However, a mistake can lead to loss of time and sometimes money if the bank charges a fee for this operation.
To prevent this from happening, it is better to prepare documents under the guidance of a manager of a financial institution or entrust the procedure to professionals.
For more information on opening a current account for individual entrepreneurs, see this video.
In the article, we will analyze the package of documents required to open a current account. We will find out what documents need to be prepared by individual entrepreneurs and organizations, how to fill out an application and how an account is opened by proxy.
Preparation of documents for opening an account
In the process, you need to prepare some documents. Their list depends on the category of the client, the characteristics of commercial activities, as well as on the conditions put forward by the financial institution.
To open an account, you will need documents regulating the opening of a business. IP, LLC and other legal entities. it is enough for individuals to prepare their certified copies.
Certain documents that are required to obtain a bank account have a limited validity period, for example, an extract from the Unified State Register of Legal Entities.
Documents for opening an IP current account
To open a bank account, an individual entrepreneur must provide:
- Registration document.
- Passport copy.
- Certificate from EGRIP.
- A letter confirming the address, if the place of registration of the individual entrepreneur does not coincide with the permanent residence permit.
- Licenses.
Other paperwork may be required to open an account. Their list is established in the course of contacting the bank.
List of documents for opening a current account LLC
Package necessary papers to receive an invoice by a legal entity:
- Registration document.
- Document on registration with the Federal Tax Service.
- The company's charter.
- Minutes of the meeting on the approval of the positions of the director and Ch. accountant.
- Extract from the Unified State Register of Legal Entities.
- Copies of the passports of the founders and the head.
- Licenses.
- Card with the signatures of the founders and the head.
- List of papers confirming the powers of a single executive body.
The list of basic securities can be supplemented individually, depending on the requirements of a particular bank.
Application to the bank
The application is the basis for opening an account. In most cases, this is a special form that displays:
- Client data - full name (company name), legal form, location, contacts, etc.
- Request for a service.
- Signatures of director and accountant.
- Fields filled in by the bank representative.
Additional documents and references
Banks have the right to require other documents, the list of which is set individually. For example, a certificate of receipt of Rosstat codes. The bank thus additionally checks the legitimacy of the client's activities.
In addition, documents confirming the location of the company may be required - a lease agreement, a document on registration of property rights, etc. A branch of the company opened in another region must present the Regulations on its formation, as well as a copy of the order appointing the director.
Entrepreneurs who are not residents of the Russian Federation additionally need to present a "migration card" and a passport. Some documents must be translated into Russian, with subsequent notarization. For foreign companies, whose main office is located in another country, in order to obtain a bank account, you need to provide papers confirming the current status of the company. They must be translated and certified.
Opening an account by proxy
Within the framework of the Regulation of the Central Bank of the Russian Federation No. 499-P, each businessman, when opening an account, goes through the procedure of identification, verification of the specified data. The Bank has the right to demand at least one meeting with the director of the company or refuse to provide services to the trustee.
But most often, banks issue invoices to representatives who have a power of attorney. Strict conditions are imposed on the document, the main of which is notarization.
The procedure for opening a current account
The procedure for opening an account in most banks is as follows:
- Select a bank.
- Go to the website and fill out an online application for an invoice.
- Wait for a call from the bank operator to clarify the details.
- Prepare the required paperwork and visit the branch.
- Sign the agreement.
Account Opening Notice
From 2014, notify the tax, FIU, as well as insurance funds no need. This obligation is assigned to banks, within the framework of federal laws 59 and 52. However, individual entrepreneurs and legal entities. persons must inform the tax office within a month if they open an account with a foreign bank.
Before applying to the bank to open a current account, you should already have on hand: Documents issued to you tax office after registration; First you need to choose a bank and this should be approached responsibly. The bank should be close to the place of your business, so as not to waste time on the road. Larger banks often charge higher rates, so choose a few banks in your area and check out their rates and services. Also pay attention to the speed and quality of customer service and, based on your observations, choose the most suitable bank. Next, prepare and submit the documents required to open an account. Each bank has its own rules for opening a current account, so the exact list of documents, as well as the need to certify their copies with a notary, check with the bank of your choice. Below is a list of documents that are usually required when opening a current account. Required documents to open a business account Certificate of state registration individual as an individual entrepreneur (OGRNIP); Required documents for opening a current account of a legal entity Certificate of state registration of a legal entity (OGRN); Also, at the bank itself, you will need to fill out an agreement, applications, applications, cards, etc., which may take some time. If you wish to carry out non-cash payments v in electronic format(without visiting the bank), you need to conclude a service agreement using the Internet Client-Bank system. Do I need to notify the tax office about opening a current account in 2019? Obligation of legal entities and individual entrepreneurs to notify tax authorities on opening (closing) bank accounts was canceled from May 2, 2014 (Federal Law of April 2, 2014 No. 52-FZ). Previously, it was required to notify the territorial tax office within 7 working days in the form No. C-09-1. There is no need to notify funds about opening a current account. From May 1, 2014, the obligation of legal entities and individual entrepreneurs to notify state off-budget funds about opening (closing) bank account(Federal Law of April 2, 2014 No. 59-FZ). Opening a current account for individual entrepreneurs is not mandatory. Individual entrepreneur entitled, but not required to have a checking account. Opening an account or not is only your choice and depends on what kind of activity you will be engaged in. The current account of the individual entrepreneur in the bank will be necessary for the conclusion civil law contracts with other entrepreneurs or organizations, as well as for non-cash payments. Current account in without fail must have each LLC, and individual entrepreneurs at will. Settlement account is an individual account of a legal entity opened in any banking institution to control all income and expenses of the enterprise for the purpose of paying taxes. You need to open it after registering an enterprise; it is quite simple to do this. Positive aspects of having a current account with a legal entity: Disadvantages of having a checking account: From this we can conclude that the presence of a current account for an entrepreneur or organization gives more pluses than minuses. The main thing is to choose the right bank for settlement and cash services. Before opening a current account, you need to choose a banking institution where to open it. The main criteria for choosing a bank for opening a current account for a legal entity: For a small business, that is, an individual entrepreneur does not always need a lot of banking services. Sometimes, 5 payments per month are enough, so it is very important to choose a bank where you do not have to pay a lot for services and transfers. In order to profitably withdraw funds from an account, an individual entrepreneur can open a card in the same bank for himself as an individual, and transfer money from a current account to a personal account without interest. The card of an individual must be of the same name with the IP. The following documents are required to open a bank account: With a full set of documents, you need to contact the bank and write an application for opening a current account. The account is opened immediately on the day of application and it will already be possible to use it. How to open a current account for an LLC and why a legal entity needs it To open a current account with a bank, a limited liability company will need the following documents: With a full package of documents, the manager of the organization can apply to the bank to open a current account. In individual cases, early opening of an account before signing the contract is possible. Documents and an application are submitted electronically, and the account is opened within an hour and is available for use. Then during established by the bank a period of time, an authorized person of the LLC with the original documents must come to the bank and sign an agreement on cash settlement of a legal entity. Opening an account is not difficult. You just need to provide copies of all documents and work permits for a legal entity, which are issued when opening an enterprise. You also need to analyze the bank's programs for servicing legal entities and choose the best convenient offer. Every entrepreneur has to settle accounts with his partners, suppliers and creditors. But not in all cases it is allowed to work with cash and the merchant has to open a bank account. The first thing to do is to provide the bank with a certificate that your organization has been registered with the tax office. Without it important document no one Russian bank does not have the right to open an account for entrepreneurs. To open an account, you must present: This main list of documents, which is required by banks when opening an account, but in some cases a financial institution may also request additional documents, for example, the director's questionnaire. If you have joint-stock company
, then when opening an account, you will need to provide: The most profitable offers for opening, closing and working with an account are offered by the Security Council of Russia. It is also convenient that it has many branches throughout the country. The bank has extensive experience in providing cash and settlement services to customers, online service, and its work is recognized as one of the most reliable. What is the purpose of opening a checking account? If you decide to do business, then all financial carry out cashless transactions. Sometimes a new businessman does not have extra funds to pay wages hired cashier, and the room does not allow to install a cash register. In this case, it is more convenient to move any amount of money through the bank. In such banking services there are many benefits: To become a bank customer and be able to open an account, you will be required to standard set of documents: If it is necessary to certify other samples of signatures, in addition to the executive body, or if an authorized person is involved in opening an account, then all documents, without exception, are certified by a notary office. Well, if the entrepreneur decides to supplement the card with sample signatures in the presence of a bank employee, then this signature is not required to be certified by a notary. What you need to know when opening an account The Savings Bank of Russia can absolutely free of charge certify many documents required to open an account, and you can significantly save on this: after all, you will not need to contact a notary. Every businessman who decides to open a bank account needs conclude a service agreement with the bank. In accordance with this agreement, you will have your own rights and obligations for its execution, and the bank will have its own. Sberbank of Russia undertakes the following obligations: The bank has the right: Customer online systems The Security Council is required to provide: Clients of the SB online system are granted the rights to: Select convenient bank for servicing, it is possible for the entrepreneur himself, it is best to do this at the stage of registering an enterprise. Security Council of the Russian Federation, unlike others financial institutions is engaged in servicing, mainly, large economic objects. If your business is large, then conditions for servicing payroll cards in SB the most attractive, and the range of services is simply huge. For small businesses, you can contact a small but well-known bank. To issue salary cards, you must: It should be remembered that every month the bank will withdraw from the card account a certain amount, specified in the contract, for its maintenance. Percentages may vary depending on the type. VISA cards, MASTER-CARD, or MAESTRO.
What documents are required to open a current account?
- notification of the assignment of statistics codes from Rosstat;
- round seal of a legal entity (for individual entrepreneurs, a seal is not required).How to open a bank account?
- notification of registration of an individual with a tax authority;
not necessary);
- extract from the Unified State Register of Individual Entrepreneurs (EGRIP);
- round seal of IP (if any);
- the passport.
- certificate of registration of the Russian organization with the tax authority at its location (TIN/KPP);
- the current charter with the seal of the tax office;
- extract from the Unified State Register of Legal Entities (EGRLE);
- decision or protocol on the establishment of a legal entity and the appointment of a head;
- notification of the assignment of statistics codes from Rosstat (optional);
- memorandum of association (if any);
- sheets of records of the Unified State Register of Legal Entities (if any);
- licenses for the right to carry out activities subject to licensing (if any);
- documents for the legal address (certificate of ownership, lease agreement, letter of guarantee from the owner of the premises);
- round seal of the legal entity;
- the passport.How to notify the tax office about opening an account?
How to notify funds about opening an account?
Do you need a checking account for a sole trader?
Why you need to open an account for a legal entity
Which bank is better to open a current account
Documents for the operation for individual entrepreneurs
List of documents for opening for LLC
Conclusion
What is the procedure for opening a checking account?
Of course, all payments can be divided into cash and non-cash, but if your counterparty is located in another city, then it is best to pay him by bank transfer. That's what a bank account is for.
The collected package of documents will be checked by bank employees, and if there are no complaints, then a current account will be opened for you, assigning it a unique number.Obligations of the parties when opening a current account
How to get a salary card for employees of the enterprise
For getting salary cards for employees, the employer should conclude a special agreement with the bank for the issuance of such cards. Obvious and the benefits of such a system payments to employees of the funds they earn: