How can you open a bank account. How to open a current account with a financial institution? How to open a current account online - procedure
If you want to have your own account in the Bank, but are not an entrepreneur, JSC, CJSC, LLC, you can choose one of the following products:
- Current (working)
- Card
- Deposit
Current account
Banks can call this type of account differently: working, settlement, on demand, simple savings, etc., but the essence remains the same: it can be used to make income and expense transactions. Opens in rubles, dollars or euros.
The main feature of such an account is that you can use the money at any time and are not limited by the maximum possible transfer amount. To open a current bank account, you will need a passport and, in some cases, a TIN certificate.
The disadvantage of this type of accounts is that you can withdraw cash only through the bank's cash desk.
Card account
The easiest way to open a bank account for a private person is to apply for a bank card. You will not only become the owner of a full-fledged current account, but also get access to it in the form plastic card... Unlike a current account, cash can be withdrawn at any ATM, and there are more than enough ways to replenish cards - through payment, bank branches, Russian Post, money transfer systems, etc.
There are also disadvantages in this type of account - restrictions on the amount of withdrawals and transfers (daily and monthly limits). It opens mainly in rubles, but many banks also provide currency cards.
Deposit account
The first thing you will be asked when you come with a request to open a bank account for natural person Is a deposit account. Otherwise, the contribution. This type of account is not subject to a commission, but, on the contrary, provides for the accrual of interest. The main feature is the restrictions that can be set:
- Minimum amount down payment to the account;
- The period during which you cannot withdraw money;
- Lack of possibility to replenish the account;
- Commissions for early withdrawal of the deposit.
However, in the deposit line of each Bank there are deposits with a minimum set of restrictions, but the percentage on them, respectively, is much lower (on average, from 0.1% to 6.9%). However, if your main goal is settlement operations, you can use this option, especially if you need to open a bank account online for an individual. The easiest way to do this is through the Internet Bank. In just two steps, which will take you no more than 2 minutes, you will become the happy owner of a deposit account.
In this regard, a number of questions often arise regarding all sorts of subtleties of opening bank accounts: Required documents, the subtleties of the registration procedure, the choice of the bank, as well as the client's benefit, etc.
Opening a bank account for individual entrepreneurs
Open a bank account individual entrepreneur not necessary at all. However, this procedure is likely to be required if the individual entrepreneur is going to accept payments by bank transfer from other individual entrepreneurs, as well as from legal entities, or vice versa - to make payments by bank transfer.
Cash settlement between legal entities and one individual entrepreneur is limited to the amount of 100,000 rubles. in the conditions of the conclusion of one contract.
That is, if you plan to receive amounts in excess of the established limit under one contract one-time or regularly from legal entities or individual entrepreneurs, you will still have to open a bank account.
Choosing a financial institution for individual entrepreneurs
Today there are a huge number of banks offering to open an individual entrepreneur account. Before opening an account, you need to spend comparative analysis service tariffication: study the sites financial institutions In your city.
Interesting statistics: tariffs for servicing accounts for individual entrepreneurs in large banks are significantly higher than in less significant banks. Today, many individual entrepreneurs prefer to open accounts in banks where there is a "bank-client" service (Internet banking), which allows financial operations via the Internet.
This service is incredibly convenient, as it makes it possible to track all movements financial resources, make / receive payments, etc.
In this case, it is not at all necessary to leave the walls of the house / office. If you have decided on a bank, find out the tariffication of services through the bank-client system (the service is free in most banks).
The documents
However, the general package of documents is approximately the same.
Package of documents:
- Certificate confirming registration with tax organization(TIN), notarized;
- A photocopy of an extract from USRIP (see);
- Certificate of state registration Individual entrepreneur certified by a notary;
- Copy of notice local authority Federal Service state statistics;
- Photocopy of your passport;
- Required licenses (if the activity is subject to licensing).
V financial institution you will need to additionally fill out various applications, annexes to contracts, contracts, cards, etc.
Tax notification
Please note: within five days after opening a bank current account, an individual entrepreneur must be reported to the district tax office... The message is carried out by filling out a specialized form C-09-1.
Notification to the Russian pension fund
On top of that, it will be necessary to notify Pension Fund within seven days from the date of opening a current account.
How to open a current account for LLC
Opening a bank account for an LLC is the most important event that must be performed immediately after the registration of a limited liability company.
Bank account agreement - a legal basis for opening and subsequent maintenance of a current account with a bank. The contract is concluded on the basis of mutual agreement of the parties.
Issues that should concern LLC
There are a number of specific questions to ask the officials of a financial institution:
- Where is the head office of the financial institution located ?;
- What is the amount charged subscription fee for maintaining an account with a bank?
- What are the conditions for working with cash offered by the financial institution?
- What are the conditions for the implementation of non-cash monetary transactions does the bank offer?
Required documents
The next stage is collection required package documents in order to open an account for LLC. In this regard, it is advisable to be informed about the required documents.
The documents:
- Application in the form provided by the financial institution;
- Internal documents of an LLC: charter, agreement on foundation, minutes of the meeting of founders. It is worth noting that these documents are collected and then certified by a notary or by an official bank employee;
- A card with samples of signatures, as well as seal impressions certified by a notary;
- Certificate of state registration of LLC (certified photocopy);
- Certificate on the assignment of OKPO codes, as well as other classification signs (issued by the statistics authority (photocopy));
- An official document certifying the election or appointment of persons who have the authority to manage the account;
- or office at legal address(certified photocopy);
Above is the main package of documents required to open a current account for an LLC. Note that the list of documents may differ due to the individual conditions for registering an account with each bank.
How to open a current account for an individual?
Registration procedure: procedure
In order to open a current account for an individual, you will need to complete several steps:
- Come to the office of a financial institution (bank branch);
- Write an application for opening an account according to the sample established by the bank, and then give it to a bank employee;
- Further, the official representative of the bank will prepare an agreement on opening a personal account for an individual, which will need to be signed in the next step;
- If necessary, pay a fee for servicing a personal account of an individual.
Documents for opening a current account
You also need to be informed about the documents required to open an account.
The documents:
- Passport;
Bank service
In most cases, you can become a client of a financial institution by opening a current account for a moderate fee.
Thus, the bank charges its clients a commission of several hundred rubles. The size of the commission includes the production fee, as well as the subsequent use of the client's plastic card.
Internet banking is a useful service for clients and banks, which provides an opportunity to carry out financial transactions ( Money transfers, payments, replenishment of utilities, mobile accounts, Internet services) without leaving your own home.
Note that Internet banking is now provided by many large financial institutions.
Thanks to the service, each client at any time of the day can track all movements of vehicles, check the balance, pay for any service.
Choosing a bank to open a current account of an individual
First of all, before opening a bank account, it is strongly recommended to check the financial institution for reliability, study customer reviews, as well as their number, the history of the bank.
The choice of newly opened banks or little-known banks is not preferable, since there are enough high probability their early bankruptcy.
How do I open an account over the Internet?
Currently on the market financial services there are many large financial institutions offering to open a current account through the World Wide Web.
Many citizens are interested in opening a bank current account without documents, but this method is practically impossible, since a financial institution must be confident in the solvency of its client, as well as in his real existence.
In this regard, an account on the Internet is opened only for a personal passport, TIN. These documents are further carefully checked by the financial institution, after which a decision is made to satisfy or not satisfy the client's application for opening an account.
To open an online account, you will need a passport (series, registration), as well as the TIN of a client who wants to open a bank account.
You will also need to fill out the necessary questionnaire in the form of a financial institution, in which the personal data of a potential client will be entered. Most likely, you will also have to attach a scan of the main pages of the passport.
Thus, the client receives an account (personal field) on the bank's website, to which his bank cards (payment, credit, deposit) will be linked.
Advice:
- The bank is sure to be reliable!
- Opening an account via the Internet is easy!
- Pay attention to the documents required to open a current account .
Video instruction on how to open a bank account
Open a bank account via the Internet - this means not wasting time on a visit to the bank and personal meetings with its employees. Is it possible to open a bank account via the Internet? What are the nuances of opening an account online, the advantages and disadvantages of this method?
How to open a current account (general rules)
The general rules for opening a current account are enshrined in the Central Bank's instruction "On opening and closing bank accounts, deposit accounts, deposit accounts" dated 05/30/2014 No. 153-I (hereinafter referred to as the Instruction). According to clause 4.1 of the Instructions, a legal entity - a resident of the Russian Federation must provide the following documents to open an account:
- certificate of registration with the Federal Tax Service;
- certificate of state registration;
- charter, memorandum of association, other constituent documents;
- licenses for the types of activities for which a current account is opened;
- signature card and documents confirming the rights of the persons indicated in the card, sample seal;
- documents confirming the authority of the head.
The instructions also approve the procedure for opening a current account of an individual (Chapter 3), a current account of an individual entrepreneur (clause 4.7), foreign legal entities (clause 4.2), as well as other cases: for persons engaged in private practice - residents and non-residents of the Russian Federation, Russian and foreign legal entities with branches, for courts, notaries, etc.
Read also about the current account:
Is it possible to open a current account via the Internet?
Banks that provide the service of opening a current account via the Internet allow you to do this as follows:
- draw up an online application for settlement and cash services on the bank's website;
- reserve a current account.
At the same time, the reservation service assumes quite wide opportunities, in contrast to the online application, which only allows you to go through the preliminary stage of opening an account (selection by bank employees of the necessary package of documents, checking a potential client, preparing possible tariff proposals). While reserving an account allows a bank client to use it immediately after online registration (however, not all cash settlement facilities are available in this mode before the account is activated).
What does this mean? The following conditions are usually implied:
- The company fills in electronic form on the bank's website, where he prescribes the main requisites and information about the organization:
- name of the legal entity or individual entrepreneur,
- type of ownership,
- Kind of activity,
- OGRN,
- the volume of annual revenue,
- organization addresses,
- contact details, etc.
At this stage, the organization receives a current account number, but it will not use it fully: the current account can only work to receive money, payments cannot be made from the account.
- The documents required to open an account are collected by the organization within a few days and referred to the bank branch. Some banks provide a service for an employee to visit the firm's place of work, where the necessary forms and documents are signed. After the documents have been checked and processed, the client gets access to all the services provided by the bank in accordance with the agreement banking services: to incoming and expense transactions, to information about the status of documents, statements, to the Internet bank or the client bank, etc.
Pros and cons of opening an account online
Benefits of online booking:
- The ability to receive the details of the current account via the Internet in one day, without leaving the workplace: from the first day, the user gets the opportunity to accept money from buyers and customers, indicate data in the details (details do not change after the final registration), etc.
- Simplified procedure for filing documents: pre-registration allows you to create an accurate list of documents required to open an account in relation to a particular organization, as well as forms of contracts and applications.
- The ability to reserve an account around the clock, any day of the week.
ATTENTION! Each bank sets its own terms of registration and settlement and cash services... Not all banks that provide the possibility of online booking of an account allow accepting receipts to the company's account until the moment of opening an account (providing a full set of documents).
Disadvantages of opening an account via the Internet:
- Online registration does not exclude the obligation to submit paper documents to the bank.
- Pre-registering an account involves certain risks: you may not have time to bring all the documents on time. In this case, the bank will cancel the opening, and the received money will be returned to the sending banks.
It is convenient for an organization to open an account online if it is urgently needed:
- give account details to the buyer or customer;
- open an account to participate in trading;
- open a separate additional account.
The nuances of opening a current account online
Opening a current account in a bank presupposes the personal presence of the head of the organization, therefore, it will not work to open a current account without visiting the bank or without meeting with a bank employee in person.
What to do if during the period, established by the bank for the provision of documents, the organization did not provide them, but has money from suppliers already arrived to the new account? In this case, banks, as a rule, close the account, and send the money back to the details of the accounts from which they came. Most often, the rules of banking services published on the registration website state that in such a situation the bank disclaims responsibility if the amounts of funds returned to the payer do not reach him due to a change in details. The likelihood of such a case is rather small, since the bank usually takes 5-14 working days from the moment of online registration to provide a package of documents (all banks set their own rules and terms).
Since opening an account via the Internet has certain risks for both the user and the bank, financial institutions this service usually provided exclusively to residents of the Russian Federation and only for ruble accounts (for example, Sberbank). One of mandatory conditions opening an online account is the availability of information about the organization in the federal database of the Federal Tax Service.
As a rule, from the first day of online registration, banks allow acquiring operations - crediting funds for transactions performed bank cards, as well as obtaining information about account transactions.
Large banks who value their reputation reserve the right not to open an account online if there is information about the suspension by regulatory authorities of transactions on other accounts of the company, as well as if the organization is suspected of money laundering, tax evasion, financing of terrorist organizations, etc.
Outcomes
It is possible to open a current account via the Internet, but with many restrictions. Generally, opening an account online is an online registration or an application for opening. That is, such an operation in the conventional sense is not opening an account: an account is considered open only when the entire package of documents required in accordance with the legislation of the Russian Federation has been signed.
Cash payments to LLC are not prohibited by law. But for normal functioning, you must have a bank account. If a specialized institution deals with the registration of a legal entity, then it will draw up the documents. Otherwise, the entrepreneur will have to delve into all the nuances of this procedure on his own. So how to open a current account for an LLC?
Nuances
LLC and individual entrepreneur can be on the same taxation system, but due to different forms of ownership, the former can operate without opening a bank account, and the latter is obliged by the state to do this. Another question is that in the eyes of counterparties legal entities who do not use the services credit institutions, do not look quite solid. If at first, when the number of transactions per month does not exceed a dozen, you can limit yourself to cash payments, then with an increase in the volume of activities without banking services not enough. Individual entrepreneurs can withdraw and deposit funds at their own discretion. LLCs are obliged to provide justification (agreement, invoice, credit slip etc.). In the case of carrying out activities in another city, legal entities are required to open a branch and a separate account for it.
List of documents
Each bank has its own requirements for securities. But there is a general list of documents for all organizations. Large banks usually do not require notarization of papers. It is enough for them to present the originals, and then the employee himself will make a photocopy and certify it.
Documents for opening an LLC current account:
- Charter.
- Enterprise registration certificate.
- Certificate of registration with the tax office.
- TIN assignment certificate.
- Letter from Rosstat on the assigned statistics codes.
- Appendix on the creation of a unit.
- Certificate of registration with the IFTS.
- The founders' decision to appoint a director.
- Documents confirming the location.
For non-residents, the list is more voluminous. The following papers must be legalized by the Russian Embassy abroad:
- Documents confirming the state registration of a legal entity.
- A copy of the permission of the Central Bank of the country in which the company is located.
- Tax registration certificate.
- Copies of licenses that allow to carry out economic activities within the Russian Federation.
- Other documents at the request of the bank.
The legislation provides for the procedure for drawing up accounts for non-resident legal entities, their branches, representative offices, international organizations, charitable foundations and other institutions.
Having collected these documents, you can proceed to the selection of a credit institution.
How to choose a bank
Opening a current account for an LLC is a serious procedure. Therefore, the choice of an agent bank should be approached carefully. The territorial location of a financial institution is no longer an important criterion. To keep your finger on the pulse, you just need to connect internet banking. This service is provided by almost every institution. When choosing, you should pay attention to a set of basic services and tariffs. You should also pay attention to the list of additional benefits: the ability to issue an overdraft, a credit line. In order to attract more customers, the site may not provide complete information, but only the lowest rates. Therefore, first you need to select a couple of institutions with optimal conditions, and then visit the branches of each of them and clarify all the nuances of service.
Instructions for opening a bank account for individual entrepreneurs and LLC
The law stipulates that an account must be opened within 24 hours after the day the application is submitted and the papers are signed. During this time, the bank checks the client, signs an agreement, makes an entry in the Registration Book. From this moment on, the account is considered open. In fact, the process in real time takes 30-60 minutes, but provided that full package correctly executed documents. Here's how to open a current account for an LLC.
Notifications
Previously, the law obliged entrepreneurs to notify the IFTS, PF, FSS and MHIF about opening an account within 7 calendar days after receiving the documents. For failure to comply with the deadlines, the LLC could receive a fine of 5 thousand rubles. After the amendments were made to the Federal Law from May 2015, this obligation was abolished. Thus, the registration of an LLC and the opening of a current account take no more than 10 calendar days.
Contract
This document has a standard form, the same for all banks, rarely includes additional items. Most often, the organization offers its customers several service packages, which include the following:
- Cash transactions.
- Acquiring - servicing card accounts.
- Overdraft.
Internet banking
Simultaneously with the submission of documents for the execution of an agreement for servicing a current account, you can connect a remote control service, which allows you to significantly save time, track traffic, transfer funds to government agencies and to cards. To connect to the service, you need to write an application, download the application and keys. In some banks this service is already included in the basic service package. And its cost will depend on the number of basic operations available.
Tariffs
The commission for paperwork varies from 500 to 3 thousand rubles. The money is deposited to the current account, and from there it is debited based on the order. Although some banks provide this service for free, this discount will affect the cost of service in the future. The number of accounts for LLC in the national and foreign currency not limited by law. The only exception is the Federal Tax Service Inspectorate. But if a legal entity has blocked operations by the decision of this organization, then opening a current account for an LLC will become available only after the arrest is released.
It is better to immediately purchase the full package of services than to connect each separately. This can be seen even on the tariffs of Sberbank:
- opening an account - 5 thousand rubles;
- management of cash management - 500 rubles / month;
- Internet banking fee - RUB 810;
- acceptance of cash - 0.3% of the amount;
- cashing out - 1%.
Package service, which includes the above services, but in limited quantities, will be cheaper:
- Up to 10 operations per month - 2.2 thousand rubles;
- Up to 20 transactions - 2.5 thousand rubles;
- Up to 30 - 3.1 thousand rubles.
Opening a current account for an LLC in Alfa-Bank will cost the client 1,890 rubles, plus service of 110 rubles, remote control of 800 rubles. and the commission for the transfer is 28 rubles. Probusinessbank offers even lower tariffs within the Startoviy package: 500 rubles. for maintaining an account and 25 for payment. At the same time, Sberbank provides a loan at 17% per annum for business promotion, and Alfa - 20%. So the initial savings can then cost a pretty penny. Therefore, in each specific case, it is necessary to analyze well the proposed conditions and tariffs, assessing not only your current position, but also plans for the future. From this point of view, the opportunity to obtain an overdraft or a credit line for preferential terms can be considered a great advantage.
In this review I will write about how to open a bank account(I mean a checking account opened in Russian bank) and show that it is not difficult at all. At the end, I will explain in more detail the advantages of a bank account over cash.
How to open a bank account: registration procedure
Actually, in order to open an account, you need to perform a minimum of actions:
- Come to the bank office
- Write an application for opening a bank account (according to a specific sample) and give it to an employee who will prepare an agreement for you
- Sign an agreement on opening a personal account
- Pay, if necessary, a fee for maintaining a personal account
Required documents
There are very few documents required to open a bank account:
- Passport
- TIN (if any)
Banking service
Opening a bank account is usually not a free procedure. Typically, the commission for maintaining a current account is several hundred rubles per year. This also includes the payment for the production and use of a plastic card, because, as a rule, both solutions are combined to complex product(for example, having 3 accounts in different currencies + annual maintenance debit card- so many rubles per year - this is the first tariff, etc.)
One of the most attractive instruments, provided by most banks for free today, is the Internet banking service. Those. give you a username and password (which you then change to your own) to enter Personal Area on the bank's website and through it, it is very easy to track the transactions made on the account, the state of the balance, moreover, you can pay for various types of services, convert into virtual currency (Yandex.Money, WebMoney, etc.), and much more useful ...
Which bank to choose
When choosing a bank only for the purpose of opening a current account, it is recommended to look at the bank's reliability, its history, and the number of clients. It is not worth choosing completely new or little-known ones, after all, there is a possibility of their bankruptcy.
What is your benefit?
Opening your own bank account solves several problems at once. Firstly, now you can make all possible payments (I mean through the Internet bank): for the same mobile phone, Internet, utilities etc., while not leaving your home. Agree, it's convenient. The main plus is the saving of precious time: no need to go or go somewhere, stand in lines, etc.
Secondly, now it will not always be necessary to pay in cash, accept change in the form of change, etc., since many large stores and shopping centers offer cashless way calculation.
Thirdly, it is an opportunity to acquire financial instruments, like buying shares investment funds,. Why, in fact, did I start a conversation. Here, for example, you decided that in view of the increase in the value of shares or from the paid ones, and maybe even more - you want to live only and. Even if you decide to become a professional trader and go through first, it doesn't matter, in any case you need a bank account. Why? The answer is simple: brokerage companies, management companies and others financial structures do not accept cash. To transfer funds between accounts, you need to make bank transfers(moreover, it is cheaper to do this through the Internet bank than directly at the bank's office).
In general, there are many advantages, others you can discover for yourself.
Output
I'm on my own this moment I have 4 accounts, and this is only in domestic banks. Of course, in the near future, you may have to close 1-2 accounts. Nevertheless, living in the 21st century, one should not neglect the achievements of "high technologies" and use money only in the form of cash. But today you found out how to open a bank account, which means we have already done a lot.
See you in new articles. I ask to hear your comments, retweets. Thanks. ...