Raiffeisenbank packages of services for legal entities. Reviews about Raiffeisenbank
The implementation of settlement and cash operations is an integral part of every business; the speed of opening an account, the availability of a range of necessary services at reasonable prices are important for every entrepreneur. RKO Raiffeisenbank's tariffs for individual entrepreneurs start at 990 rubles per month, which is very attractive for small businesses. The bank can also offer a full range of services for large companies.
RCO from Raiffeisen Bank provides for the opening of a current account, its maintenance. As well as a whole range of services that are necessary for both small businesses and large companies:
Why legal entities choose RCO from Raiffeisen Bank:
- This is a large and reliable international bank, one of the TOP10 in the Russian market;
- Payments are carried out quickly, without delays;
- It is possible to book an account number after filling out an application on the website;
- Opening an account is provided in any currency;
- There is no additional fee for opening multiple accounts;
- The bank can collect and transport money / valuable goods;
- Reasonable cost for Raiffeisenbank for small business settlement cash services, as well as comprehensive satisfaction of all the needs of the LLC;
- For everyone, an updated Internet banking is available, through their personal account, users can view the balance and history of transactions, sign payments using SMS and USB tokens, create from a template and import from 1C payment, create reports and upload them to 1C.
What you need to connect to the service. Conditions and documents
It is quite simple and quick to issue a cash settlement service at the bank, you can fill out an application on the Internet in 10 minutes, book an account number and get the details.
The procedure for issuing a cash settlement service:
- On www.raiffeisen.ru select the cash settlement section and click Open Account;
- Fill out an online application (example in the picture below): phone number, company name, TIN, type of organization, full name, e-mail, city, branch number;
- You can order a call for additional consultation, a specialist will contact you within 10 minutes;
- After agreeing on the terms, the invoice will be booked (available for residents of the Russian Federation and individual entrepreneurs), and the details will be sent to e-mail;
- A mandatory step is the activation of the account, this can be done at the bank branch or by agreeing with the manager about leaving.
List of documents for signing the contract:
- For individual entrepreneurs:
- Statement;
- Copy of the entrepreneur's passport;
- Extract from EGRIP.
- For residents of the Russian Federation:
- Statement;
- Constituent documents;
- Samples of seals;
- The decision on the appointment of the head, his passport;
- Confirmation of the authority of persons who can sign documents, their passports;
- License.
- For non-residents, in addition, you need a Certificate of Registration of a Foreign Organization and possibly other documents at the request of the bank.
Tariffs and service fees
Raiffeisenbank offers its clients comprehensive tariff offers that can meet the needs of every company.
Rates may vary slightly in different regions. On the site, you can select your region and download a detailed tariff book, please note - from 05/28/2018. the updated version is valid.
Raiffeisenbank rates of cash settlement for legal entities (Moscow):
- For beginners - Start - 990 ₽ / month;
- Basic - 1900 ₽ / month;
- Optimum - 2900 ₽ / month;
- Maximum - 7500 ₽ / month.
Tariffs differ in the number of free payments to counterparties - from 0 to 300 transactions, each transaction over the limit is paid separately - 25 rubles / piece. Also, the limit of the amount available for transfer to cards of individuals varies - 100-700 thousand rubles.
All tariff plans provide for opening a current account, access to the Internet and mobile banking, only in the starter package for mobile banking, if you wish, you need to pay 190 rubles / month. The two most expensive packages provide SMS service for business, as well as the opening of corporate cards and privileges for the manager - the Golden service package (cashback at gas stations 5%, free account opening and travel insurance).
Only one tariff plan can be selected for all company accounts with Raiffeisen Bank. You can change it without restrictions at any time, the cost of such a service is 1000 rubles.
I was registered with Raiffeisen Bank since 2004 (sort of), I was a gold client and, to be honest, I was proud that I have such a "European bank".
I had a credit card with a limit of 350,000 rubles, which I emptied and replenished many times, and I did not see any problems in this. The bank girls spoke to me politely and courteously.
Then I had a seizure of accounts and the next payment on a credit card, which I had deposited, the bank wrote off in favor of the arrested account. The accounts were arrested from me for the first time, so I had no idea that the money would be debited from me.
A girl called me and said about it. I asked how I should now pay for a credit card. The girl said that only through partner banks.
I did this once and it turned out that I needed to pay a commission. What I didn’t like, and it seemed to me that it violated my rights.
I called the bank and said that I do not want to pay a commission, that I am ready to bring and deposit money anywhere, in cash or non-cash, but from my point of view, the bank does not have the right to demand a commission from me. The operator said that there were no other options, I asked me to connect with the authorities.
Since then, the horror began. Rude young people began to call me, demanding payment of the minimum payment. I suspect nothing, just asked to connect me with the authorities. The rudeness was steadily increasing. I wrote claims through the site. I got calls back from the services that I complained about, and they reproached me for writing claims.
Then I got to the normal department, where I was told that there IS an opportunity to pay without commission. I informed the call center operators about this, asked them to explain this behavior of the call center, and wrote another complaint.
The bank's behavior has not changed.
When the men began to call me and say that they would come to my house, and that I was at home, the discomfort of communicating with the bank became so strong for me that I began to pay with a commission, only to have nothing to do with the bank.
Just when all this was happening, I was offered a platinum card. I turned to the managers who issued the platinum card and asked for help, but they refused.
As a result, I paid the arrested bills a long time ago, refused the platinum card, closed the gold card, and took all of my companies out of Raiffeisenbank.
I would not recommend anyone else to communicate with this bank.
It may be European in Austria, but in Russia it is extremely client-oriented.
Raiffeisenbank 12/19/2019 11:48
Dear Customer!
We sincerely regret that you had to face the described situation.
In accordance with the decisions received by the bank, a claim was levied on your funds. There are no restrictions in the legislation for collecting funds from the current account to which the credit card is linked. Thus, a collection was imposed on the funds credited to the credit card account, the funds could not be used to pay off the debt on the credit card.
The decision of the bailiffs-executors is a measure of compulsory execution of judicial acts. The bank that provides services to the debtor immediately fulfills the requirements for the recovery of funds contained in the order of the bailiff.
In case of insufficient funds on the account to satisfy all the requirements, the write-off in payment of the loan cannot be made before the full fulfillment of the requirements under the executive documents. This requirement directly follows from Art. 855 of the Civil Code of the Russian Federation.
Based on the results of the check carried out within the framework of your previous applications, you were announced all possible options for repaying your credit card debt.
Sincerely,
Marat Salakhutdinov
Claims and Incidents Team
Raiffeisenbank JSC
The company supports the development of small businesses and provides settlement and cash services in any region of the bank's presence. RKO Raiffeisenbank includes a whole range of services aimed at high-quality service and account management.
Conditions of cash settlement
RCO from Raiffeisenbank offers a varied range of services. You can use any of the offered or connect a package of services that will help you save time and your own money.
Cash settlement services at Raiffeisenbank offer the following types of operations:
- Account opening;
- Account booking;
- Cash collection;
- Remote service;
- Corporate cards;
- Foreign exchange and conversion operations.
The advantage of cash settlement services at Raiffeisenbank is the ability to open a current account in rubles or foreign currency. Any cash transactions, payments in rubles, deposits, as well as collection and delivery of valuables are available. Also, a bank client can use a comprehensive package of services with a specific list of operations necessary for successful business.
Tariffs for settlement and cash services
For its customers, Raiffeisenbank offers to connect one of the service packages for cash settlement services that meets their needs:
- Start, with a monthly payment of 990 rubles;
- Basic - 1900 rubles.
- Optimum - 2900 rubles;
- Maximum - 7500 rubles.
The indicated tariff is applicable for Moscow, Moscow region and St. Petersburg. For other regions, the tariff may be lower. Starting from March 1, 2017, a new tariff plan with changed data comes into force.
The cost of Raiffeisenbank's cash settlement service includes opening a current account, as well as the number of payments, according to the tariff plan, from 10 to 300 per month. For the Start package, each payment is paid separately. Included in the price is the issue of corporate plastic cards. The use of the mobile banking service is included in the service cost for the Optimum, Maximum, Basic packages. For the Start tariff, the fee will be 190 rubles per month.
There is no commission for transferring funds if the monthly payments do not exceed the allowed limit. For each tariff, it has its own from 100 to 700 thousand rubles per month.
If necessary, the client can apply for the transition from one package to another. You can do this as many times as you like. Commission for one transition - 1000 rubles.
Conclusion
RKO Raiffeisenbank will provide high-quality comprehensive services, timely payments and transfers. For the convenience of service, remote service is provided, which will allow you to receive all the necessary certificates and documents without leaving your home.
The basic tariff includes mandatory services included in the full price:
- opening a current account;
- access to an online resource;
- transfer of wages to employee cards.
The package bundle for the "Optimum" and "Maximum" tariffs is supplemented with a corporate card and an SMS notification option.
The bank additionally offers services for organizing a business:
1. Salary project, which includes providing all employees of the company with free bank cards and participation in the loyalty program from partners. Maintenance of operations related to the movement of money will be free, when the "Salary" service package is activated.
2. Bank guarantees up to 145 million rubles for participation in public procurement.
3. Large loans on comfortable terms for business development.
4. Acquiring, that is, the ability to make payments by non-cash method, implies several types, providing for the payment of commissions:
- trade - in the amount of up to 1990 rubles, depending on the level of funds turnover per one payment terminal, plus a fee of 1.79% of the payment amount;
- Internet - in the amount of 2.7% of the turnover of funds;
- mobile - with a fixed commission in the amount of 900 rubles.
5. Currency control, involving the support of foreign economic transactions.
6. Cash collection, the cost of which is calculated individually and depending on the geography and volume of services.
7. SMS informing costs 190 rubles per month, if not included in the tariff.
Package offers
Raiffeisenbank offers its customers four service packages designed for different levels of enterprise development:
"Start" with a monthly fee of 990 rubles, assumes:
- commission-free money transfers to cards of individuals within 100 thousand rubles;
- the cost of payment is 25 rubles;
- free registration and service in the online bank.
"Base" with a monthly fee of 1900 rubles, includes:
- commission-free transfers to cards of individuals within 200 thousand rubles;
- 10 payments per month free of charge, and for subsequent payments - 25 rubles each;
- free services: Raiffeisen Business Online internet bank and mobile app.
"Optimum" cost 2900 rubles per month, includes:
- the ability to transfer up to 500 thousand rubles to cards for individuals without charging a commission;
- execution of 60 free payment transactions, and subsequent ones costing 25 rubles;
- free functionality in the form of: remote services, SMS notifications, cards to the current account "Business 24/7", VIP-service for the manager.
"Maximum" with a monthly fee of 7,500 rubles and a set of services:
- 300 free payments;
- 700 thousand rubles for transfers that are not subject to a commission fee;
- corporate card;
- option "SMS notification";
- the "Mobile Bank-Client" system;
- two privileged service packages for management.
You can save on monthly maintenance by getting a discount in:
- 25% if you pay in advance;
- 100% if you recommend the bank service to your partner.
Which tariff should you choose?
A business representative who is in the status of an individual entrepreneur, LLC or JSC has the right to independently choose a tariff plan that is profitable for him, depending on the volume of production, the mode of operation of the enterprise and financial activity.
Tariffs "Start" and "Base" suitable for those:
- who is just starting to do business;
- has a small number of employees.
Rate "Optimum" will suit both representatives of small and medium-sized businesses who are active in production activities.
Connect tariff "Maximum" and afford not to refuse anything, to have all the advantages of high-quality banking services from Raiffeisenbank, companies with stable incomes, high production levels, and solid turnover of funds can.
What services are included in the RSC?
The list of basic operations includes:
- opening a current account;
- reservation of a current account;
- collection services;
- high-tech remote service;
- corporate card products;
- currency and conversion transactions;
- cash transactions;
- payments and transfers in rubles;
- deposits;
- loans.
An account can be opened in both national and foreign currencies.
Raiffeisenbank has developed a flexible line of loans for various forms of business, including individual entrepreneurs. For convenience, the bank has divided all types of loans into two large groups. The first group includes offers for businesses with income of up to 60,000,000 rubles per year, the other includes products for companies with revenues from 60,000,000 to 480,000,000 rubles per year.
Types of loans for businesses with income up to 60,000,000 rubles per year
All proposals for a loan of funds from AO Raiffeisenbank differ from each other in terms of consideration of applications, a list of documents, amount, type of collateral and interest payment period.
Credit "Express"
The program provides small businesses with the opportunity to receive up to 2,000,000 rubles without collateral in a maximum of 2 days, under the surety of the business owners.
The program is available to individual entrepreneurs and legal entities that have entered into an agreement for servicing a current account with Raiffeisenbank. It is not required to confirm the volume of the company's income with official securities.
Overdraft
To cover cash gaps, as well as for additional financial injections into the business, use the Overdraft program. From 100,000 to 1,200,000 rubles without collateral and commission, the tranche period is up to 1 year. The loan amount cannot be more than 35% of middle by the value of credit turnover or 50% of minimum credit turnover.
Overdraft loan for entrepreneurs
Credit amount
from 100 thousand rubles to
1.2 million rubles
loan terms
up to 12
months
loan rate
from 12%
annual
* - unlimited term for tranches
Registration takes place under the guarantee of the business owners, and the main debt is paid off daily.
Easy overdraft
This product allows individual entrepreneurs to receive 100,000 rubles at 0.1% per day with an interest payment period of up to 5 days. The offer is suitable for those who want to get a loan without guarantors.
Every month, clients using this credit line are notified of how much they need to deposit. The overdraft will be connected automatically after 3 full months of work on a current account with Raiffeisenbank with monthly earnings of 200,000 rubles or more, if you have expressed a desire to open a limit when opening a current account.
Classic light
A loan secured by real estate: commercial or residential. You can use the amount received as fixed assets for starting a business from scratch, in order to invest or increase working capital.
Loan "Classic-Light" for entrepreneurs
Credit amount
from 100 thousand rubles to
4.5 million rubles
loan terms
from 4 to 60
months
loan rate
from 12%
annual
* - decision on the application in 48 hours
You can issue an amount from 100,000 to 4,500,000 rubles within 2 days for a period of 4 months to 5 years. Early repayment is free, available at any time. Loan guarantors can be business owners or collateral providers.
Types of loans for businesses with income from 60,000,000 to 480,000,000 rubles per year
For companies with income from 60,000,000 to 480,000,000 rubles a year, a number of proposals have been developed that meet the requirements of businessmen.
Bank guarantees
Bank guarantees - offer with the widest range of conditions, and the absence of hidden fees. The bank also offers an individual approach to each individual entrepreneur. Warranties can be issued on standard terms and "express" (2 days in advance). Under a standard guarantee, you can borrow a maximum of 145,000,000 rubles from the bank for a period of up to 2 years, in the absence of collateral - up to 5,000,000 rubles. Express guarantees provide for the issuance of a maximum of 4,500,000 for 2 years or up to 2,000,000 rubles without collateral.
"Express guarantee" can be issued if:
- It is necessary to ensure the obligations under State purchases (44-FZ, 223-FZ).
- Payments under the guarantee are provided for the benefit of a regular customer of Raiffeisenbank.
- The guarantee form was developed by Raiffeisenbank.
The direct business owner can apply for the service. Third parties will be denied the service.
Investment
Under the terms of this program, you can get from 4,500,000 rubles to 145,000,000. Borrowed funds are issued for a period of up to 10 years. If you do not secure the loan with collateral (real estate, equipment, vehicle), the amount will not exceed 5,000,000 rubles. The deposit can be made by third parties.
Investment loan for entrepreneurs
Credit amount
from 4.5 million to
145 million rubles
loan terms
from 12 to 120
months
loan rate
from 12%
annual
* - the loan is issued for solving commercial purposes and refinancing loans
The interest rate is determined individually for each entrepreneur. The loan can be used to cover loans taken from other commercial organizations.
Revolving
The product is designed for business development and additional funding. The maximum amount is 145,000,000 rubles, the minimum is 4,500,000. The loan term can be 2 years ( renewable line of credit) or 3 years ( non-renewable line).
"Revolving" loan for entrepreneurs
Credit amount
from 4.5 million to
145 million rubles
loan terms
up to 36
months
loan rate
determined
individually
* - the amount of the loan without collateral - up to 5 million rubles
Without collateral for the loan, you can count on an amount of up to 5,000,000 rubles. Transport, real estate, acquired circulating assets are used as collateral. A pledge from third parties or a combined form (partial collateral and surety) is allowed.
Overdraft
The essence of the program is the same as for companies with income of up to 60,000,000 rubles per year. Differences in terms: the loan amount is up to 10,000,000 for a period of up to 3 years. The loan can be provided automatically if there is not enough money in the company's accounts for settlements. There is an opportunity to save interest on the loan, since there is an automatic repayment on a daily basis from the amount of funds credited.
Letter of credit
In Raiffeisenbank, it is possible to obtain a letter of credit without collateral in the amount of up to 145,000,000 rubles. You can read more about it on our website by clicking on.
What is needed for registration
In order for a legal entity or individual entrepreneur to receive a loan from Raiffeisenbank, it is necessary to apply with the documents to the bank branch that works with this category of clients.
To find it, you need:
At ATMs of partner banks, you can find out the balance on the card for free and withdraw cash on the same conditions as at ATMs of Raiffeisenbank.