Appendix 31 application for a corporate card. An example of an employee's application for a corporate card. The credit institution issues

IDENTIFICATION DOCUMENT:				V	Passport of a citizen of the Russian Federation		Military ID		Resident card
	Identity card of a Russian military personnel				Other (specify)
SERIES AND NUMBER		DATE OF ISSUE	ISSUED BY WHOM, DIVISION CODE
5300 123456 02/15/2009 Department of Internal Affairs of the Leninsky district of Orenburg 560-120

RESIDENCE ADDRESS(Index, region/region/republic, Locality, Street, House, Building, Apartment)

REGISTRATION ADDRESS(to be completed if different from the residential address)

460000 Orenburg region, Orenburg Pobedy Avenue, building 8, apartment 3

E-MAIL

TELEPHONE:

home

(this information will be valid for all cards issued by Sberbank PJSC in your name. If your email address is already registered in the Sberbank PJSC database, then filling out the E-mail position in this application is not required)

mobile

(905)8321234

official

(3532)123456

not filled in SMS INFORMATION

Please activate the SMS notification service for transactions made using a corporate card

+7

CONTROL INFORMATION (filled by the person in whose name the card is issued)

Petrova

Indicate any sequence of letters/numbers (starting from the first cell) to identify you as a Corporate Card Holder when calling the helpline and remember it. This information will be valid for all corporate cards issued by Sberbank PJSC in your name. If you have previously provided control information for corporate cards and do not want to change it, then filling out is not required.

CONFIRMATION OF INFORMATION AND CONDITIONS OF SBERBANK PJSC

1. 
   I confirm the accuracy of the information contained in this Application.
2. 
   I agree that Sberbank of Russia PJSC has the right to verify the information contained in this Application.
3. 
   I agree that Sberbank of Russia PJSC may use the information contained in this Application for authorization services, for telephone calls, incl. in automatic mode, to send me messages or advertising and information materials of PJSC Sberbank of Russia.
4. 
   I give my consent to Sberbank of Russia PJSC to process my personal data in accordance with the requirements of Federal Law No. 152-FZ of July 27, 2006 “On Personal Data”.

LIMIT TYPE	ACCOUNTING FREQUENCY	LIMIT VALUE IN RUBLES(if not specified, the limit value is set)	LIMIT VALUE
to receive cash using a card	MONTH	not filled in	5,000,000 per month according to account
	DAY 2	not filled in	170,000 rubles by card
to carry out non-cash transactions (transactions in the trade and service network, wire transfers, etc.)	MONTH 2	not filled in	Unlimited limit
	DAY 2	not filled in	Unlimited limit
total limit on card transactions	MONTH	not filled in	Unlimited limit

Signature of the Client (authorized representative of the Client)___ not filled in ________________

Incumbent(s) (position, surname, name, patronymic of the Client’s authorized representative)

based on ___________________________________________________________________

(name of the document – ​​Charter, Power of Attorney, other relevant document)
____ _______________ 20___ _____________________/ ______________/

signature Last name, I.O.

M.P. Client

______________________________________________________________________________________________________________________

MARKS FOR OFFICIAL USE

THE APPLICATION HAS BEEN ACCEPTED AND CHECKED, THE CLIENT / AUTHORIZED PERSON HAS BEEN IDENTIFIED

M.P.

CARD PICKUP POINT 3

/

1 Only for cards issued to a current account

2 Only for cards issued to a business account

3 The field is required to be filled in if the card is issued at a location other than where the client’s account is maintained (indicate the number of the Bank branch authorized to service corporate clients). If the Client indicates in the Application the number of a branch that is not authorized to serve corporate clients, the card is issued and issued at the Bank branch specified in the section “Marks for official use”

In the activities of any company, there is a need to spend money on current needs, entertainment and travel expenses. The Sberbank corporate card for legal entities and entrepreneurs is used specifically for this purpose. The money is transferred to the account and is spent in the interests of the company. All card transactions must be confirmed by accounting documents.

Benefits of use

A legal entity card is always issued in the name of an employee of the organization. Why fill out the form to receive a Sberbank corporate card online or in a branch. Using it, he can perform the following operations:

• withdrawing cash from ATMs in different countries;
• payment at retail outlets;
• transfer of funds to employees of the organization.

Using plastic provides a number of advantages:

• No financial losses in case of card loss. An employee can have access to large sums without risking their safety. All you have to do is call the support line and block the plastic.
• Receiving cash abroad without using a foreign currency account on business trips. The conversion takes place automatically.
• Reduced commissions for banking and foreign exchange transactions.
• The employee does not spend personal money, but receives advances for expenses from the card.
• Simplifying the process of financial management and operational control. The director or accountant independently sees all transactions on the account.
• Possibility of receiving a transfer in another country, paying for hotel, air and train tickets online.
• Using a system of discounts on various types of goods and services.

For online purchases, an optimal transaction mode is provided. The operation is performed after entering the password. A list of 10 passwords is issued in Sberbank terminals. You need to insert the card into the self-service device and print a receipt.

How to open

Currently, organizations can apply for a Sberbank corporate card of Visa and MasterCard payment systems. List of available cards:

1. Business to business account;
2. Business "Budget".

To order a card, just follow a few simple steps:

1. Contacting a bank branch for working with legal entities and open a current account according to the conditions and tariffs. Applications are accepted from legal entities, individual entrepreneurs, lawyers and notaries. Constituent documents must be attached.
2. An annual maintenance fee for each plastic card is charged to the account.. You can link the required number of cards to one organization account.
3. Then an application form for receiving a Sberbank corporate card, form 11, is accepted from the client. If the company already has an account, then the application can be submitted through the branch where it is maintained or in the Sberbank Business Online system.
4. For each plastic card, the limit of expense transactions for the employee is determined. Its size depends on the scope of the employee’s powers. The bank is provided with a special register of employees and their passport details. In accordance with it, limits are set. If it is necessary to change them, a new register is submitted to the bank.
5. After 7-10 days, receive it from the bank.

The card displays its number, validity period (3 years), first and last name of the employee, and the name of the company.

Use at work

When studying the question of how to use a Sberbank corporate card for legal entities, it is important to remember that all its funds belong exclusively to the company. If it is necessary to make an expense on the card, the accountant tops it up from the company’s account. The plastic number and the purpose of transferring funds must be indicated. Afterwards, the money is placed on the company employee’s card. Financial management occurs in accordance with the requirements and needs of the enterprise.

The expense can be made cashless or withdraw the required amount from an ATM. After completing the task, the employee provides checks, receipts for purchases of goods, services, and checks for withdrawal of funds to the organization’s accounting department. Based on these documents, a report on the expenditure of accountable funds is completed.

Using a card allows you to avoid problems with reporting if documents are lost; they can always be restored if you know the transaction data. When spending company funds, there will be no problems with increasing or decreasing the amount; the employee will not have to spend his own money or return the advance to the cashier.

As a result, the speed of settlements for the purchase of goods or services increases. The company reduces organizational costs, operations are carried out at a convenient time without visiting the bank office and depending on the operating day. In addition, this banking product is covered by modern services: free SMS transaction alerts and contactless PayPass technology. When using a corporate card, there are features of reflecting transactions and accounting entries:

1. The issuance of plastic to an enterprise is not reflected in accounting, since it belongs to the bank. Issued in the name of the employee, which eliminates the need to keep a corresponding journal.
2. Funds received through an ATM do not go through the company's cash desk. When compiling the cash balance at the end of the day, cash withdrawn from the plastic card is not taken into account.
3. The card expense reporting system avoids confusion and also protects the organization from inattention or theft on the part of cardholder employees.
4. If it is impossible to provide a report or provide documents confirming the expediency of spending, the funds are withheld from the employee’s salary.
5. The accountant writes off the money spent by employees from their cards in account 71 - settlements with accountable persons. The type of plastic must be taken into account.

Considering what a Sberbank corporate card is for individual entrepreneurs, it is important to be able to transfer money from an account to it and cash it out. It is used not only in Russia, but throughout the world. All financial transactions at work can be carried out using a card.

Tariffs and services

When a Sberbank corporate card is used, tariffs are applied in accordance with the type of service issued. The account is opened for free. Annual maintenance in the amount of 2500 rubles. or 50 dollars/euros and an initial payment are made only for Visa/MasterCard Business products. The bank provides free services such as:

1. Crediting funds to the company's account.
2. Suspension of plastic in case of loss.
3. Planned reissue or early.
4. Card servicing in the field of trade or services. For Business “Budget” the limit is set at 100 thousand rubles.

Also on the Business card "Budget" Cash issuance is free at Sberbank branches and ATMs, and money is accepted through the cash register. You can withdraw no more than 300 thousand rubles per day using the card.

Product "Business to business account" provides more opportunities, but on a paid basis. Additionally, you can get cash from other banks and their ATMs, and request more detailed information on transactions. The withdrawal limit is set at 170 thousand rubles per day. You can withdraw no more than 5 million rubles per month. The cash withdrawal fee is 1% of the amount. Urgent cash withdrawal costs 6 thousand rubles.

So, a corporate card is quite a profitable payment instrument, suitable for international payments. Its use in business will reduce the time spent in the bank, increase the efficient use of the company's money and simplify the analysis and control of expenses for business needs. Today Sberbank provides wide possibilities for using plastic. Having determined the needs of the company, you can easily select the appropriate tariff for the card.

In order to simplify and speed up business processes, the bank offers enterprises to open cards for authorized employees. To do this, the manager must apply for a Sberbank business card. Until September 1, 2017, this product was called a Sberbank corporate card. Let's consider all the nuances of its registration and receipt.

This plastic allows you not to take unnecessary breaks when conducting business and not waste valuable time solving financial problems

Procedure for filling out an application

Form 11 also contains a second sheet that must be filled out by a bank employee:

1. Department code and name.
2. Position and information about the employee who accepted the application.
3. Approval: yes/no, date, signature, surname, position.
4. Permission to issue plastic: yes/no, date, signature, surname, position.
5. Current and business account numbers.
6. Registration number and card number, plastic expiration date.

Card fees

Product terms and conditions

After accepting the application, the employee asks you to wait a few days. After making the plastic, it can be obtained from your department. Tariffs for its service are as follows:

• Card to a current or business account: 2500 rubles;
• Budget card: free.

Sberbank has provided a preferential option for issuing business cards for entrepreneurs who have subscribed to the “Easy Start” service package - the first year of service is provided free of charge.

Existing card restrictions

Tariffs for main operations

However, the release is free in any case. The payment instrument has the following commissions:

• Cash withdrawal limit: 170 thousand rubles per day and up to 5 million rubles per month. For a budget card, the daily limit is 300 thousand rubles.
• Withdrawal fee: 1% (not provided for by the budget commission). Through services or branches of other institutions - 1-3%.
• Accepting cash through self-service services: 0.15% (for budget - free). Limit – 100 thousand rubles.
• Information about the last 10 operations: 15 rub. (via ATM), via online service - free of charge;
• Request for cost details: 150 rubles.

These features should be taken into account when applying for product registration.

Business Online - opportunities and advantages

Registration of a payment instrument is possible through Internet banking. Initially, you should visit the banking branch and get an ID. After this, the client acquires the following capabilities:

1. Accepting payments electronically. Possibility of their processing.
2. Reception of documents for various functions established on the basis of differences in contracts (for example, when interacting with legal entities and individuals).
3. Generating reports on transactions performed for a given period.
4. When sending electronic documents, it is permissible to add free format attachments.
5. Exporting and importing papers using the 1C system.
6. The presence of a bank stamp on electronic payments, which allows you not to visit an additional branch.
7. Creation of templates for the required type of documents.
8. Availability of a database with details of the main banking institutions in Russia.
9. User-friendly interface, filtering and sorting system, which allows you to speed up the process of searching and processing a document.

Additional services

In addition to Sberbank Business Online, the business card is also connected to Mobile Banking to activate the function of informing via SMS about completed transactions. When working in the service, all procedures are subject to confirmation with a key that is sent via SMS. Each organization can take advantage of the opportunity and integrate its accounting system (1C or other ERP system) with Business Online services.

Conclusion

A card linked to a legal entity’s account allows you to interactively manage the movement of company funds. In addition, it is an effective tool for reducing various costs associated with conducting business activities.

Regardless of the nature of the company’s activities, at a certain stage a need arises to spend finances on various needs of the organization. These could be business trips, expenses for corporate events, current needs of the company, etc. And if previously for such purposes there was a kind of piggy bank managed by an accountant, today it is more convenient and profitable to use such a tool as a Sberbank corporate card for legal entities. What is it?

Money is transferred to the account in a certain amount, within the framework of strict reporting, and then spent at the discretion of the company management. Any operations, of course, have documentary evidence.

Design rules

Today, Sberbank offers corporate bank cards of Visa and MasterCard systems.

Despite the fact that the card is considered “public”, it is issued strictly in the name of a specific person, a company employee. To receive it from a bank, you first need to open a current account. The employee must also write an application for a corporate card on the Internet or at a Sberbank branch. It is necessary to attach constituent documents, as well as deposit a certain amount of maintenance into the account for 1 year.

Sometimes a legitimate question arises: is there a risk that an employee in whose name a Sberbank corporate card is issued for use by legal entities may withdraw an amount that significantly exceeds the necessary expenses, or use it for other purposes? When registering, a limit on spending transactions for specific people is always initially determined. To do this, a register with a list of employees and their passport data is submitted to the bank, and if necessary, a power of attorney is issued to receive funds.

The card is issued within 1-2 weeks and issued at a bank branch.

After registration, a person receives the right:

• withdraw cash in Russia and abroad;
• pay in stores and other commercial establishments;
• transfer funds to other employees of the company.

Advantages of a plastic “piggy bank”

1. Even when storing large sums in an account, the risk of losing them in case of loss of a legal entity’s card is eliminated; you just need to call the bank’s hotline and block it.
2. It is possible to receive money abroad in the country’s currency without opening an additional account - the conversion occurs automatically, at the current bank rate.
3. A corporate card issued by Sberbank for individual entrepreneurs allows you to enjoy a reduced commission on most transactions.
4. It is possible to use funds in the account as an advance.
5. Control over the movement of finances is noticeably simplified, since management can track all transactions online at any time and receive an SMS message when money is withdrawn.
6. While abroad, an employee can independently pay for a hotel, buy tickets online, receive a transfer, or withdraw money from a Sberbank corporate card.
7. It is possible to take advantage of a wide range of discounts on goods and services of partner companies.

In order to make an online payment, no special skills are required. Any purchase operation is carried out after entering a special password, which can be obtained by using the Sberbank terminal and printing a receipt.

Regardless of the purposes for which the funds from the corporate card will be spent and to whom it is issued, it goes without saying that all finances belong to a legal entity - a company or a group of entrepreneurs. The account is replenished by the company's accountant, indicating the purpose of the transfer.

How to use the card? An employee who has made payments by bank transfer or through cash withdrawal receives receipts or checks and then reports them to the accounting department, which draws up an expense report on the funds spent.

Thus, settlement processes are significantly accelerated, the cost of various travel expenses and other current costs for making payments, transfers, etc. are reduced, which is convenient for everyone who runs a business, runs an LLC or any other organization.

A current individual account to which the card is attached is opened free of charge. If Visa or MasterCard Business class is issued, you must pay an amount of 2,500 rubles. as an annual service fee, as well as make a down payment. All tariffs can be found upon checkout.

Corporate payment cards are gaining popularity among various organizations. They are considered reliable and easy to use.

The cards can be used to pay business expenses for business trips and entertainment needs. This greatly simplifies the task of the accounting department and the employee. After all, numerous pieces of paper are not issued, and funds are not issued in person.

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To receive a means of payment, you need to fill out an employee application for the issuance of a corporate card. It is issued in accordance with certain rules.

What is it

A corporate card is a plastic banking instrument for making payments when paying for goods and services, issuing cash through ATMs and banks. The circulation is carried out in accordance with the Regulations on the issuance of bank cards and transactions using them.

The credit institution issues:

• debit;
• credit;
• prepaid cards registered for individuals, individual entrepreneurs, and legal entities.

A corporate card is issued only to employees of the organization who apply for its issue. In this case, an agreement is concluded between the company and the person, according to which the employee has the opportunity to manage the company’s money.

Cards may be limited. The restriction is permanent or temporary.

Also, the limit is set only on:

• cash payments;
• non-cash payments;
• overseas operations.

There are a number of requirements that corporate card holders must comply with. It is prohibited to credit funds to the account by transferring from a third party card.

All transactions will be visible on the company account. Therefore, personal expenses are excluded.

When funds are withdrawn, they become accountable. Therefore, it is possible for the bank to request primary documents on transactions. If transactions are carried out in foreign currency, the company must provide justification for them 10 days in advance, attaching expense and settlement documents.

Benefits of work

Corporate cards are easy to use for both employees, management and accounting departments.

Therefore, there are various advantages of using a means of payment:

• Various payments are made using the card when purchasing goods, providing services, and paying suppliers. The product is also used if a person is planning entertainment expenses or a business trip. Personal purchases using the card are prohibited. Also, you cannot transfer an employee’s salary to it.
• The card is suitable for both cashless purchases and cash withdrawals.
• When issuing funds on account, money is withdrawn from the account based on a check signed by the manager. A cash receipt order is issued at the bank, and a record of the transaction is entered into the cash book. A card account makes the procedure easier. The manager only needs to sign the payment order. When connecting a card to an account, this step will not be required.
• In the case of the usual use of accountable amounts, the employee draws up a statement, which is signed by the manager indicating the amount and deadline for reporting. Corporate cards do not require such actions.
• When using the card again, the employee reports on the fact of spending.
• Corporate cards do not have an upper limit, which for normal payments is set at a limit of 100,000 rubles. The company can independently determine the payment limit.

Types of cards

In order to choose the type of payment instrument, you need to find out the types most convenient for use in the company. Banks provide various cards, including debit and credit.

When using the first, the organization's own funds are spent. In the second case, money issued on loan is provided.

Sometimes debit cards provide an overdraft option. It is required if there is not enough money on the card to make a purchase. Then the client can use credit funds.

Cards can be issued in the form of either personalized or regular cards. Personalized ones are issued to a specific employee. In addition to the last name and first name, the name of the enterprise and company signs are written on the card.

The issue of non-personalized cards is provided for the company as a whole. Any accountable person can use the card.

Registration procedure

In order to use corporate cards in your work, you must additionally open an account specifically for these purposes.

In this case, there is a special order of registration:

• drawing up an application to the bank to open an account;
• drawing up a card with sample signatures;
• signing an agreement on opening an account for payments using corporate cards;
• execution of an additional agreement for debiting funds from the main account.

When the documents are provided and the account is opened, you must send the following to the banking organization:

• a register with a list of employees who will use the cards;
• application for issuing a card from the holder signed by the manager;
• order to issue a card to persons included in the register.

The means of payment is issued directly to the person who is the card holder. It must be noted on the card application. It can also be received by an authorized person if there is notarized confirmation of the transfer of rights.

Drawing up local regulations for work

To keep track of expenses and control the movement of cards, an enterprise must develop local regulations. The main one among them is the provision on the procedure for using corporate cards. If it is not published, then it is important to write down the rules in another document.

These include provisions on:

• the procedure and amount of funds for business trips;
• issuance of accountable funds;
• providing advance reports on business expenses and business trips.

The regulation on the issuance of accountable funds must contain:

• purpose of issuing the card;
• reasons for its provision;
• order of use;
• deadlines for submitting an advance report on funds spent;
• employee liability for spending money for other purposes in the absence of documentary evidence of intended use;
• rules for monitoring the safety of the card and funds on it.

Additionally, a special one is approved for accounting.

It states:

• card number;
• last name, first name, patronymic of the holder;
• date of provision and return of the means of payment.

Handover and return are confirmed by the employee himself. The person responsible for card accounting also participates in the procedure.

Employee application for issuance of a corporate card and other cases of application

To use corporate cards by employees, the company must:

• draw up regulations on the rules for using cards;
• compile a list of employees who can, in accordance with their official position, use cards;
• familiarize employees with the document against signature;
• establish accounting for the issuance and acceptance of cards;
• reflect in the accounting policy the procedure for accounting for amounts that are available in a separate account.

The regulation is a document according to which all employees must use corporate cards.

It must be written in:

• expenses and transactions that can be carried out using a corporate card (within the state and abroad);
• calculation limit (for each category of positions);
• card return period;
• rules for reporting on amounts spent;
• documents that can be used as evidence of expenses (can be presented visually);
• the need to protect the card PIN code;
• actions in case of card loss;
• liability for violation of provisions;
• methods of compensation.

Various operations can be carried out using the card.

Among them are:

• cash withdrawals for business trips, business activities and entertainment expenses in the Russian Federation;
• non-cash payments on business trips, when conducting business activities and making entertainment expenses on the territory of the Russian Federation;
• withdrawal of currency outside the state for expenses on business trips and entertainment;
• non-cash payment outside the state for expenses on business trips and entertainment.

If you do not develop a regulation on the use of cards, you can include information about this in another internal regulatory act.

Cards can only be used by employees who are holders. At the time of registration, the company submits a list of persons who will use the funds in daily activities. When selecting non-named cards, a special order is issued listing the positions allowed for use.

Employees noted in the order become familiar with the regulations or acts containing a section on the use of corporate cards. The fact of familiarization is recorded on the last page of the regulations or in a special journal.

To eliminate the possibility of loss, misuse or misappropriation of a card by an employee, the company must establish control over payment instruments. Personalized cards are issued to employees under the obligation to comply with protection.

The transfer of the card is carried out in the manner regulated by the regulations. In this case, the employee’s application for issuing a corporate card is accepted, and the person in charge sets a limit on the funds on the card.

To draw up an application, you can use the example below:

General Director

Vershina LLC

Sergeev A.S.

Ustinova S.V.

Statement

I ask you to issue me a corporate card of a non-named sample for expenses on business trips.

The basis is Business trip Order No. 325-k dated April 21, 2016.

Cards are issued for the period specified in the application. You can use the product for longer only by order of the management. This usually happens when an employee frequently travels on business.

If the card is not returned on time, the accountant is notified of this fact. The funds will be blocked and the person responsible will be held accountable.

How to report expenses

The rules for reporting funds spent by an employee are not regulated by law. Therefore, it is the company's responsibility to develop them based on standards when reporting cash amounts.

The date for submitting the advance report is established in the regulations on the use of corporate cards. It is a certain number of working days after completing an order or returning from a business trip.

To provide information, a unified form is used or your own is developed. In the latter case, the specifics of cash and non-cash expenses are taken into account.

It is impossible to confirm expenses with a cash receipt. Additionally, you need to attach checks and orders for direct cash payments. The remaining cash is deposited into the company's cash desk. The report is approved only by the management of the organization.

How to report the opening of an account to government agencies

It is important to notify government agencies about the creation of a corporate account. The message, the form of which is provided as No. S-09-1, is submitted to the Federal Tax Service. If the data is not transferred, the Tax Service may fine the company 5,000 rubles.

The FSS is also notified. For this purpose, a message is sent using a special form. It is reflected in the letter of the FSS of the Russian Federation No. 02-10/05-656.

A similar procedure is provided for the Pension Fund. The form recommended for notification is presented on the institution’s website in the Employers section.

Corporate cards are convenient payment systems. But for the effectiveness of their use, it is important to establish a procedure defined by the enterprise.

Attention!

• Due to frequent changes in legislation, information sometimes becomes outdated faster than we can update it on the website.
• All cases are very individual and depend on many factors. Basic information does not guarantee a solution to your specific problems.