Binbank open an account for individual entrepreneurs. Opening a current account in B&N Bank. Prices for services (tariffs for cash and service services). Tariffs and packages

Reading time: 8 minutes. Views 64 Published 04/18/2018

Opening a current account with Binbank for representatives of small, medium and large businesses allows you to register an account online, receive a ready-made package of services and carry out above-limit transactions for free. Since March 3, 2018, “Unified collections” of tariffs, grouped by city, have been in effect. A one-time fee for opening, copying and certification of constituent documents by a credit institution, certification of cards with sample signatures is paid separately. Connecting to a mobile bank is free of charge.

Advantages of cash settlement packages for small and medium-sized businesses

The benefits of a current account at B&N Bank are achieved:

1. Fixed package payment: monthly, quarterly, annually. Clients independently control expenses, avoiding unnecessary expenses.
2. Additional discounts when making an advance payment: for a trimester - 3.5%, for six months - 7%, a year - 10%. When making a single payment for annual service at Binbank, users receive 3 months of online accounting “My Business” as a gift.
3. The ability to independently choose a set of services in the “Strategy” package.
4. Many partners, including UniCredit Bank, Raiffeisenbank, Alfa-Bank, Gazprombank, Russian Standard. The Interbank Union gives customers the advantage of commission-free cash withdrawals.
5. Instant reservation of an account number before submitting documents to the bank. The service is provided free of charge.
6. RKO for companies, paying taxes in the USA.
7. Special current account for the owners to form a capital repair fund.

Cash settlement packages for small and medium businesses

Ready-made packages of cash settlement services allow representatives of small and medium-sized businesses to save 25-30% of the monthly cost of banking services. The monthly fee is fixed. Clients independently choose options, optimizing costs and receiving a free service.

Services in packages

Before opening a current account for an individual entrepreneur, Binbank recommends checking the cost of settlement services for 2018: use the functionality, open the section "RKO Tariffs", select a region, explore offers online or download a single collection file.

If you have any questions, ask the technical support staff to send a file with the current terms of service by email. Specialists will ask clarifying questions about the business (name, region), and inform you about current promotions and tariffs.

For example, Entrepreneurs in Moscow and St. Petersburg are offered the following tariff conditions:

It is important to know! When you sign up for a package of cash settlement services, opening and maintaining an account is free of charge.

Reserving a current account online for small businesses

Reserving an account allows you to receive details without waiting for the documentation verification by employees of the credit institution Binbank. The convenient functionality of the site () will help you open a current account for LLCs receiving annual income of less than 900 million rubles. Open section "Settlement and cash services", follow the link “Account reservation online.”

Leave a request for RKO with a note “Please reserve an account number”. The system will prompt you to indicate the company details: full name of the owner, name of the organization, city, Taxpayer Identification Number, email, telephone. Click the button "Send".

After 2 hours, the manager will inform you of the account number reserved for the month. During the specified period, transactions on the account are not available (including the transfer of funds). Received money will remain in the accounts of undisclosed amounts for 5 working days. If the client does not prepare documents for official account registration, the money will be returned to the senders. After a month the reservation will be canceled.

Opening a bank account

Binbank offers individual entrepreneurs and legal entities a fixed range of services within the framework of cash settlement services. To sign the agreement you will need:

1. Select the RKO package, study the tariffs and conditions.
2. Download and fill out the application form according to the bank's form.
3. Attach the required package of documents to the application.
4. Contact the employees of the financial company branch and go through a simple account registration.

The process of registering cash settlement will take a minimum of time (30–40 minutes). Call or write to B&N Bank specialists if you need help with paperwork.

Opening a Binbank account at the MFC

Thanks to B&N Bank’s cooperation with the multifunctional center, private entrepreneurs and legal entities have the opportunity to open a current account through the MFC website () or an offline branch.

When contacting the MFC branch directly, you will need to use the terminal to receive an appointment coupon, go to the window (workplace of the center employee), get advice and reserve a bank account number. Then wait for the bank manager to call to activate the account, and bring the documents to the company office within 30 days. The process of reserving an account is free and allows you to take advantage of special promotions and benefits from partners of the financial institution. The service is available in Astrakhan, Novgorod, Bashkortostan, Voronezh, Kursk.

Conditions for large business

For companies with a turnover of more than 900 million rubles/year, Binbank offers the following conditions for settlement and cash services:

1. Prompt receipt and sending of payments in the Russian Federation and foreign countries.
2. Daily overdraft (temporary loan without interest).
3. Replenishment and withdrawal of cash by prior agreement, without it.
4. Purchase/sale of foreign currency at the Moscow Exchange exchange rate.
5. Assistance in obtaining passports for foreign economic transactions.
6. Carrying out secure payments through a letter of credit.
7. Account management through online banking iBank2.
8. Use of collection services.
9. Providing manager services (selection of the optimal payment scheme, monitoring the execution of payments, interaction with B&N Bank specialists involved in lending and bills of exchange).
10. Compliance with deadlines for joint projects with the bank.

Note! Servicing cash settlement services at Binbank takes place without delays, on a “day-to-day” basis. For this purpose, liquid assets are stored in a correspondent account with the Central Bank of the Russian Federation.

Tariffs for large businesses

Standard cost of services for account servicing and other operations:

Conditions in branches may differ from the information provided.

Special account for creating a capital repair fund

According to 271-FZ dated December 25, 2012 “On Amendments to the Housing Code of the Russian Federation,” financing of major repairs of multi-apartment premises (MKD) is carried out using a special account. The basis for opening a special account is the decision of the owners to create a fund. The document indicates the owner of the account (homeowners associations, housing cooperatives, specialized consumer cooperatives, regional operators), the amount of contributions, a list of overhaul work, and the deadline for it.

The following are credited to a special account:

• contributions for major repairs, penalties for late transfer of money;
• interest accrued by the bank on the account balance;
• money for other transactions, according to the Housing Code of the Russian Federation.

The attractiveness of forming a fund for major repairs is achieved by free registration and maintenance of an account, accrual of interest on the balance, and assistance in preparing documentation for opening an account. The minimum placement amount is not limited. Interest is credited to the account on the last day of VAT maintenance (minimum 31 days).

Preparation of documentation

For individual entrepreneurs

The documents that allow you to open an account with B&N Bank for an individual entrepreneur are as follows:

• application according to the bank form, agreement, questionnaire;
• state registration certificate;
• cards with samples of signatures and seals, certified by a notary or an employee of B&N Bank;
• permission, power of attorney for combinations of signatures of third parties;
• passport of the owner of the individual entrepreneur, authorized representatives;
• identity card of non-residents of the Russian Federation managing the account;
• confirmation of place of residence (the individual entrepreneur provides a letter indicating the address, the notary/lawyer prepares a document indicating the place of business);
• letters of recommendation from B&N Bank clients, reviews from other financial institutions;
• reports (annual or quarterly) on accounting, tax obligations, audits, ratings on the Internet, published on the websites of independent rating companies.

Potential clients of B&N Bank will also need a document confirming the conduct of private practice:

• for notaries - appointment to a position by the justice authorities of the Russian Federation, license;
• for lawyers - a certificate of registration in the register of lawyers, establishment of an office;
• for arbitration workers - a certificate of membership in the SRO.

When opening a second and subsequent accounts with B&N Bank, it is enough to fill out an application and sign a banking service agreement.

For legal entities

The package of papers for legal entities includes:

1. Application, questionnaire, agreement in the form of the bank.
2. Confirmation of state registration of the LLC.
3. Charter
4. Entry sheet in the Unified State Register of Legal Entities on changes in the constituent documentation.
5. Minutes of the meeting or the decision of the single founder on the formation of the company.
6. Order on the appointment of a sole manager.
7. Licenses to carry out business activities.
8. Cards with samples of signatures and seals.
9. Identification of persons listed on sample cards.
10. Certificate of ownership or lease agreement for real estate.
11. Recommendations from clients of BINBANK and other credit institutions serving the client.
12. Balance sheet, income statement.
13. Identity cards of beneficiaries, information from the Unified State Register of Legal Entities about the owners.
14. Migration card (for non-residents).
15. Information of beneficiaries under the insurance contract (questionnaires, TIN, tax reports).
16. Regulations on branches, registration with the Federal Tax Service.
17. Management company papers (confirmation of state registration, fulfillment of tax obligations).

Bank account information

To open a current account and use Otkritie Bank's RKO, an individual entrepreneur needs to prepare a package of documents. Here is a short list of them:

• account servicing agreement, drawn up in 2 copies;
• passport of a Russian citizen;
• taxpayer registration certificate;
• certificate of state registration as an individual entrepreneur;
• USRIP record sheet;
• card with samples of signature and seal.

To open an LLC current account you need:

• charter;
• passport of the company director;
• application for opening an account;
• order for the manager to take office;
• card with a sample signature and seal;
• extract from the Unified State Register of Legal Entities;
• licenses.

When opening an LLC or individual entrepreneur account by a trusted person, you must provide the representative’s passport and a power of attorney certified by a notary.

How to open a current account for individual entrepreneurs and LLCs

There are two ways to apply to open a current account at Otkritie Bank. The first is in person at a branch of a financial institution. The second is online through the bank’s official website.

Account reservation for LLCs and individual entrepreneurs occurs remotely by submitting an application. On the start page you need to click on the “Open account” button. In the window that appears, fill out a short form: company name, tax identification number, name and contact phone number. After reviewing your request, a bank employee will contact you and invite you to sign documents. When registering, you select a tariff and deposit a small amount into your account to activate it.

Login to your personal account at Otkritie Bank

When concluding an agreement for cash settlement services at Otkritie Bank, you will be given an installation kit for connecting to Internet Banking for Business. You will need to complete the settings according to the instructions in the Rutoken software and the Internet Explorer browser.

Then independently generate the keys for the electronic signature, print them in 2 copies, certify them and take them to the bank for registration. In the future, login will be carried out using the Rutoken service and electronic signature.

If you successfully log in, you will be taken to your personal account for business at Otkritie Bank, where you can view the history of account transactions, receive notifications about incoming and outgoing accounts, create salary projects, and receive a corporate card statement.

Internet bank

Otkritie Bank’s personal account allows you to control your business 24 hours a day.

Installing a mobile application on your smartphone makes it possible to keep abreast of all the nuances and changes in the cash register regulations. Via the Internet, you can order an account statement for an LLC or individual entrepreneur, make a request to the bank, or chat with a specialist.

Corporate card

Corporate Visa Business cards from Otkritie Bank are a profitable payment instrument for both legal entities and individual entrepreneurs.

With its help, you can withdraw funds from the current account of LLCs and individual entrepreneurs, and then spend them at your discretion. It is allowed to issue several cards for company employees.

Internet wiring

Connecting acquiring to cash settlement services at Otkritie Bank allows you to organize payments for goods, work and services online.

When you connect to the service, you receive:

• high level of payment security;
• favorable financial conditions;
• managing operations in a mobile application;
• 24/7 technical support.

Online accounting

Individual entrepreneurs working under the simplified tax system 6% can connect online accounting functionality.

Thus, you get a personal accountant who will prepare quarterly and annual reports and calculate taxes.

LLC representatives can integrate their business into the My Business accounting service; they need to select a convenient payment format and pay for the connection.

Currency control

If the activities of LLCs and individual entrepreneurs require transactions in dollars or euros, then it is necessary to enable the currency control function. Conversion of funds occurs at a single rate - 0.5% of the amount. The fee for cash withdrawal in dollars is 2% of the amount.

Promotions and new tariffs for cash settlement services in Binbank - current account for LLCs and individual entrepreneurs with online reservation - savings on settlement and cash services for legal entities and individual entrepreneurs up to 25%

It’s worth noting right away that the variety of tariffs for cash settlement services (CSS) in B&N Bank is comparable to the offers in Sberbank. In addition, each individual city may have its own tariffs for individual entrepreneurs and legal entities (LLC). We have noted three main tariffs, which are presented in all regions of the Russian Federation, for each of them included free interbank payments and transfers to individuals without commission. Instant account number reservation is available for all tariffs, as well as a number of other benefits.

Promotion! If you send an application to open a current account with B&N Bank now (before December 31, 2018), you will have time to receive 3 months RKO free! Thus, a year of cash settlements at B&N Bank becomes 25% cheaper.

Opening a bank account and Internet banking are free for all tariffs.

Cash settlement tariffs in B&N Bank for 2018

You can choose a tariff for yourself at.

Opening a current account in B&N Bank

To open a current account for a legal entity or individual entrepreneur in B&N Bank, you just need to go through 3 steps.

1. 1. Fill out an online application to reserve an account (from now on you can already use your account to indicate it in contracts);
2. 2. Fill out an application for cash settlement at Binbank and attach the necessary documents to it (the application form will be provided to you by the manager and will help you collect the documents);
3. 3. Visit the bank branch with the collected documents to sign the cash settlement agreement.

Your current account number is reserved for a period of no more than 1 month, during which time you need to visit the bank to sign a cash settlement agreement, otherwise the account will be cancelled. Until you sign an agreement with the bank, operations on the account, including the transfer of funds, cannot be carried out. If money is nevertheless sent to the reserved account, it will be credited to the account of undisclosed amounts, and will be credited to the reserved account if you sign the agreement within 5 business days. Otherwise, the money will be returned to the sender.