Bank Russian standard cash settlement services. Current account for an individual entrepreneur
Unlike legal entities, individual entrepreneurs are not obliged to carry out their activities. The opportunity to choose is always pleasing, but in this case you need to determine for yourself, without taking into account legal norms, whether you need a current account or whether you can do without it.
Entrepreneurs can carry out all financial transactions in cash and non-cash form. Let's see what the advantages of each of them are.
Pros and cons of a current account
Cash payments have several advantages for an entrepreneur. First of all, there is no need to visit the bank and pay it for cash settlement services (hereinafter - RCS). In addition, if you do not have a bank account, no one will be able to demand that you deposit cash proceeds to the bank (as happens with legal entities). If you work only with individuals, it is impossible to apply restrictions on cash settlements.
But if you plan to make payments with other individual entrepreneurs and legal entities, it is better to open an account. This is in every way more convenient for counterparties - legal entities, and you will not narrow the circle of clients to those who work only on non-cash payments. In addition, cash payments with legal entities are limited to the amount of 100,000 rubles, therefore, if you plan to conduct transactions for a large amount, you will have to figure out how to differentiate payments in order to fit into the current limit for cash payments.
In addition, a current account will save you from the need to install cash register equipment (if you do not plan to conduct both cash and non-cash payments), and at the same time provide complete transparency of your financial transactions due to the availability of bank documents. Well, you can’t write off such moments as the possibility of loss or theft of funds during their transportation and storage.
The disadvantages of working with a bank include additional costs for paying for cash management services and the need to visit a bank branch. Again, as mentioned above, setting cash limits is also not good for the entrepreneur. The cash balance limit is the maximum amount of cash that is located outside the current account. At the end of the day, the amount of cash available should not exceed the balance limit. Anything in excess of the norm must be submitted to the bank for crediting to the current account.
If you follow the letter of the law, an entrepreneur is not required to have a cash register and, accordingly, to comply with the balance limit. The Rules approved by the Board of Directors of the Bank of Russia on December 19, 1997, Protocol No. 47 state that they are binding on territorial branches of the Bank of Russia, cash settlement centers, credit institutions and their branches, including Sberbank institutions, as well as organizations, enterprises and institutions ( clause 1.2 of the Rules). Individual entrepreneurs are not named among the persons who are required to follow the norms of these documents. But banks often require individual entrepreneurs to comply with the cash balance limit. But a current account has more advantages.
We study the conditions of banks
So, let's start with choosing a bank. Here are the main parameters that you need to pay attention to first:
- cost of cash settlement services in the branch, including all possible payments: opening a current account, monthly maintenance, depositing cash into the account, withdrawing funds from the account, transferring funds to other accounts;
- availability of the Internet Client-Bank system, the cost of its installation and monthly maintenance;
- fame and financial reliability of the selected bank;
- the location of its branches and ATMs close to you, as well as the presence of a developed branch network (if you make payments with other regions);
- if many of your partners are serviced by one bank, it will be more profitable to contact the same bank (since intrabank transfers are faster and cheaper than external ones).
We analyzed the cost of settlement and cash services in 17 commercial banks and found that the conditions for cash settlement services are divided into standard and “package” (when an individual entrepreneur is offered, for a fixed monthly fee, to receive a set of services necessary to make payments through a current account).
Of the banks we selected, five offer these service packages: Alfa-Bank, VTB-24, Rosbank, TRUST, Societe Generale. The standard package includes opening an account, servicing it, connecting to Internet banking and a reduced cost for cash transactions (withdrawal/crediting money to the account). The cost of packages ranges from 600 rubles. (TRUST) up to 3400 rub. per month (VTB-24). Average price - 1500 - 2000 rubles.
For entrepreneurs who have large turnover through a current account, package offers are more profitable than tariffs. And for those who do not plan to actively use an open account, it is better to take a closer look at the standard tariffs and choose the most suitable one for yourself.
Cost of opening an account: from 700 rub. ("Rosbank") up to 2000 rubles. (VTB 24). Half of the banks charge 1000 rubles for opening a ruble account. But a foreign currency account will cost less - from 500 rubles. up to 1200 rub.
Monthly account maintenance: from 500 rub. (Zenith) up to 2500 rubles. ("Russian standard"). For most banks, the cost of maintaining an account is lower than opening one and does not exceed 1000 rubles.
Internet service: almost all banks offer clients to be serviced remotely and connect to Internet banking (hereinafter referred to as IB) or install Bank-Client software. The latter will cost more, and there is no need for it if you do not have organized accounting and only you are responsible for the calculations.
In TRUST, Rosbank and Bank of Moscow banks, installation of Internet banking is free; the client is charged only a subscription fee.
In other banks, the cost of connection ranges from 500 rubles. (VTB-24) up to 2000 rub. (Rosselkhozbank). Differences in cost are due to the degree of protection of the information transmission channel and the provision of an electronic digital signature key.
To use Internet banking you will have to pay monthly from 300 rubles. (TRUST) up to 1000 rub. (Societe Generale). Absolut Bank does not charge a subscription fee, only a one-time payment of 1,500 rubles.
The cost of electronic payments in Internet banking is on average 22 rubles. per document - from 13 rubles. (TRUST) up to 35 rub. ("Alfa Bank").
Crediting cash to the account: this service is free only at Zenit Bank, of the banks we studied, the rest charge a commission from 0.15 percent (VTB-24) to 0.36 percent (Nordea Bank).
Withdrawing cash from your account: the average commission is 1 percent, the maximum rate is in Russian Standard (2%), the minimum is in B&N Bank (0.5%).
Withdrawals to pay salaries and social benefits will be taxed at much lower rates.
Documents and account opening
So, having chosen a bank that suits you in terms of price and territorial parameters, check with the operator for the list of necessary documents for opening a personal account. Typically, commercial banks are guided by the Instruction of the Central Bank of the Russian Federation dated September 14, 2006 N 28-I and offer to collect the following package of documents:
certificate of state registration as an individual entrepreneur (with OGRNIP number) - a copy certified by a notary or a registering authority;
certificate of registration with the tax authority (with INN individual entrepreneur) - a copy certified by a notary or a tax authority;
passports of the persons present at the opening of the account (the entrepreneur or his representative acting by proxy, as well as persons whose signatures will be indicated on the bank card with sample signatures and a seal imprint) or their notarized copies;
a receipt confirming the actual place of residence of the individual entrepreneur, if the registration address does not coincide with the actual place of stay;
Rosstat information letter with statistics codes - you need to obtain it yourself from the Rosstat agency if you do not have such a letter;
licenses (patents) for the right to carry out activities, if any.
Documents provided by the bank itself that need to be completed:
application for opening an account;
a card with sample signatures and an imprint of the individual entrepreneur’s seal;
remote service agreement.
Banks require clients to notarize documents when a current account is opened by a representative of an individual entrepreneur or when a bank card contains persons other than the individual entrepreneur himself. However, we still advise you to take the time and appear in person at the office to submit documents. Because banks are reluctant to open an account without the personal presence of the business owner.
Having collected a package of documents, you need to go to a bank branch and transfer it to the legal entity service department. The operator will create and help you fill out a card with sample signatures and a seal impression. In his presence, you will sign on the back of the card, and put dashes in the blank lines. The bank employee will sign and affix the bank's stamp. Remember that this sample will be used to compare your signature on bank documents in the future. Try to sign in such a way that there will be no problems with identifying the signature later. Banks are especially sensitive to signatures in a checkbook when issuing cash.
After payment is made for opening an account, the bank will open it within three to five business days. After opening a current account, you will be given a second copy of the agreement and a certificate of account opening.
Almost all banks, when concluding an agreement on cash settlement services, offer to conclude an agreement on remote banking services via the Internet. To connect to this system, you must also obtain a package of documents (agreement and applications) from the selected bank.
Within seven working days after opening the account, you must report this to the tax office (clause 2 of article 23 of the Tax Code of the Russian Federation). To do this, you need to fill out a special form N C-09-1 (it can be printed from the website nalog.ru). Once completed, bring it to the tax authority’s office. You give one copy to the tax officer, and keep the second one for yourself. This copy must be stamped with the date the application was accepted. Keep your copy, as sometimes documents can get lost at the tax office.
If you do not have the opportunity to personally bring the form to the inspection, send it by mail - in a valuable letter with a list of the contents. It is important to take the letter to the post office before the end of the last day of the deadline. The time it takes to deliver the letter to the inspectorate will no longer be taken into account. Most importantly, be sure to save the inventory and mail receipt so that you can prove that you promptly notified the tax office about opening the account.
It is necessary to meet the deadline, because the bank, regardless of whether you notify the tax office about the opening of the RS or not, will inform you about it. And you (in case of violation of deadlines or failure to provide this information) will pay a fine of 5,000 rubles. (Article 118 of the Tax Code of the Russian Federation).
Please note that this rule applies only to current accounts that are opened by entrepreneurs to conduct business. Accounts opened for personal purposes, that is, not related to generating income, do not need to be reported to the tax authority.
Within the same seven days, the administration of the Pension Fund of the Russian Federation must also be notified about the opening of the account. For violation of this rule in accordance with Part 1 of Art. 15.33 of the Code of the Russian Federation on Administrative Offences, you can be fined 1000 - 2000 rubles. There is a recommended form of notification. UPFR only accepts it.
If you have employees and are registered with the Social Security Fund, you also need to notify it. The notification form is established by Letter of the Federal Social Insurance Fund of the Russian Federation dated December 28, 2009 N 02-10/05-13656.
When starting to work with a current account, we draw your attention to the fact that all your payments will be monitored by the bank (because its responsibilities include assessing the rationality of all transactions). Therefore, we advise you to make only reasonable payments, indicating the name of the payment in the payment order. At the same time, if you transfer funds from your current account to a personal account, it is better to indicate as the name: “own funds”, “transfer of own funds” or “receipt of income from an individual entrepreneur” so that the tax authority does not classify these payments as taxable.
JSC Russian Standard Bank is a highly specialized retail bank. However, it also provides services to businesses. The bank appeared at the dawn of the formation of domestic banking - in 1993. The editors of the 24Direktor website draw your attention to the fact that Russian Standard Bank is based on the idea of Intercombank, which is to focus on retail lending using scoring models.
Features of cash settlement services for legal entities
Russian Standard Bank offers clients cash settlement services, which have the following advantages:
- promptness of opening an account and submitting payment details;
- assistance from a bank employee in filling out documents and his visit to the enterprise;
- linking a corporate card to a current account at Russian Standard Bank;
- security of settlements thanks to the use of the eToken pass key.
Opening a current account with RSB Bank provides access to a number of other popular services - guarantees and loan products.
Russian Standard Bank offers acquiring, which will undoubtedly expand its client audience. BRS Bank provides trade and Internet acquiring services to corporate clients.
The advantages of trade acquiring JSC Russian Standard Bank are as follows:
- registration online in 15 minutes;
- the possibility of purchasing a terminal, renting it or receiving it in installments;
- preparation of necessary documents within two days;
- installation of the terminal at a time convenient for the client;
- a wide selection of payment systems: in addition to the standard Visa, Master Card and MIR - Union Pay, JSB, American Express, Diners Club, Discover;
- receiving 24/7 support;
- possibility to choose equipment: POS terminal, online cash register or a whole set of equipment.
The acquiring tariff depends on the monthly turnover of the organization and the payment system.
Given the increasing prevalence of online payments, customers will be interested in Internet acquiring services. The bank claims the following advantages of this service:
- simplicity, convenience and efficiency of connection;
- security of payments due to compliance with the PCI DSS security certificate;
- flexible tariff plan.
The presence of mobile acquiring is a competitive advantage of the bank.
With the help of the EMV mobile terminal, an ordinary tablet or smartphone will turn into a real POS terminal for accepting payments.
Working with magnetic and chip EMV cards requires the provision of a signature and PIN code.
Russian Standard Bank JSC offers profitable lending programs for the organization’s clients. This expands the customer base of Russian Standard Bank. The loan is issued using one document - a passport. The decision is made in a couple of minutes. The bank offers an installment plan service.
Technological Internet bank RSB for progressive business
Russian Standard Bank offers online banking on the “CORREQTS Corporate” platform developed by BSS. CORREQTS is a universal platform for building remote banking services. Logging into your personal account opens up the following opportunities for clients:
- formation of mass payment;
- guaranteed security of payments;
- availability of a single window for working with all documentation from various organizations.
Thanks to this, the Internet bank from Russian Standard Bank JSC is deservedly included in the top five most effective services for starting small businesses. The study was conducted in 2016, but remains relevant.
For users of smartphones / tablets on the Android and iOS platforms, Russian Standard Bank has a mobile bank “RS Business Online” - an application that was also implemented from the BSS company. Its installation allows the client:
- monitor account balances;
- sign and send payments;
- pay taxes;
- create payment templates;
- receive account statements.
All this can now be done using a smartphone.
The security of working with the application is guaranteed by the fact that login is carried out using a login and password, or an individual PIN code. The application is linked to a phone number.
So, the editors of the website conducted a study and found out that Russian Standard Bank JSC is focused, first of all, on working with retail business. However, its solutions for corporate business have interesting features. Now you can expand your customer base by providing the opportunity to receive a profitable loan from the bank.
Update date: 09/20/2018
A card is linked to the account.
I am Kuzmin A.Yu., owner of current account No. 40817810********2606 at Russian Standard Bank JSC (address: Yaroslav Gasheka St., 5, letter A, room 8N).
A card is linked to the account.
12/15/2017 the card was blocked. When you call the branch of Russian Standard Bank JSC on the street. Yaroslava Hasek, 5, lit. A, room. 8H bank employees were unable to clearly explain the reason for blocking the card.
12/16/17 and 12/17/17 were days off. 12/18/17 From a letter to me by email from Russian Standard Bank JSC, it became clear that the deadline for providing documents for a banking transaction expires on the evening of December 18, 2017. There was no physical opportunity to provide documents within this period.
In response to my written application No. 7803-13996 dated December 20, 2017, to give me my funds transferred as income from my individual entrepreneur in the amount of 74,093.26 kopecks, and to close the account, they responded by letter. With this letter (dated December 21, 2017, No. RS-M0318/75898 Russian Standard Bank JSC), the bank refused to issue funds. In the refusal - reference to 115 - F.Z. on combating money laundering, etc., etc. However, the same Federal Law (115 F.Z.) states that in order to be completely blocked, I, or my individual entrepreneur, must be on the Black List of Rosfinmonitoring. I am not on such a list. If there is suspicion or otherwise, the principle of presumption of innocence applies in our constitution.
Also, according to Art. 65 of the Arbitration Procedure Code of the Russian Federation, the bank is obliged to prove that it had grounds for suspending or refusing to carry out operations on behalf of the client. My transactions are completely legal.
I opened the account on October 20, 2017. During this time, I transferred my own funds to the card, approximately -140 thousand rubles. As of February 20, 2018, Russian Standard Bank illegally withheld 74 thousand rubles. I believe that the bank holds funds for its own commercial interests, hiding behind 115-F.Z.
There was no response to application 7803-13997 dated December 20, 2017 regarding account closure. According to bank employees, the account should be closed in 60 days. Chapter 8.3 F.Z. -115 After 7 days have passed after receiving the client’s written application, the bank issues cash from the client’s bank account or transfers funds by payment order!
Until 02/20/2018 year, the question that bothered me about the fate of my funds remained unresolved - the Bank is illegally withholding my funds. The account is not closed. Closing the account is delayed because after closing the account the bank is obliged to transfer the funds. (Chapter 8. No. 153-I dated May 30, 2014)
This bank violates banking laws and business customs at every stage. My applications for account closure and return (with all explanations and excerpts from the Civil Code of the Russian Federation about their incorrectness) of funds are limited to standard replies.
The bank and its employees are violating the banking law. (Article 845 of the Civil Code of the Russian Federation, Article 848 of the Civil Code of the Russian Federation). My legal demands are answered - this is not within our authority. In the letter, a direct question about the refusal to close the account is answered with excerpts from 115 F.Z. without any logic arising from these articles. They do not pay attention to other articles of the law and the Constitution of the Russian Federation.
One thing is clear - to hold on to funds for as long as possible.
In this situation, I suffered significant inconvenience and mental suffering.
Portal administrator 11.03.2018 9:56
According to the situation - no assessment.
Russian standard 21.02.2018 17:10
Hello, Anton!
Initially, let me assure you that the Bank operates in strict accordance with current legislation.
The cards were blocked to establish the source of origin of funds as part of the Bank’s compliance with the requirements of Federal Law No. 115-FZ. In accordance with the terms and conditions, the Client undertakes not to use the Account to carry out transactions related to business activities. I note that on the basis of paragraph 11 of Article 7 of Federal Law No. 115-FZ, the Bank has the right to refuse to execute the Client’s order to complete a transaction, including the issuance of cash through the Bank’s cash desk.
Unfortunately, you have not provided the full set of documents requested by the Bank; the documents provided cannot serve as a basis for lifting the block.
02/20/2018 Contract *6782 was closed. To receive the balance of funds, you need to contact any Bank office and provide details for transferring funds from your account to another credit institution, do not forget to take your Russian passport with you.
Sincerely,
Alexei
JSC Russian Standard Bank
Online reservation
Account without visiting the bank
The procedure can be performed in two ways:
- online (in the business marketplace);
- at the bank office (only if there is a branch in your city).
In the first case, the contract is concluded as follows:
- You choose the necessary services for registration.
- A bank representative will contact you and clarify the details, agree on the place and time of the meeting.
- At the appointed time, a service contract is signed.
- A bank specialist gives you access parameters to the remote banking system (RBS).
Otherwise:
- You independently provide the department with all the necessary documents and write an application for connection to the service.
- You are waiting for the application to be approved by the bank.
- You receive a signed agreement and parameters for access to Internet banking.
Documents for opening an account for an individual entrepreneur (IP)
- tax registration certificate;
- passport;
- extract from the Unified State Register of Individual Entrepreneurs.
A bank representative will help you fill out an application, questionnaire, card with signatures and seals.
If more than 3 months have passed since registration, you will need to provide accounting documents (extract from the tax office confirming the absence of debts, certified declaration and/or accounting records).
Documents for opening a legal entity (LLC) account
- charter;
- extract from the Unified State Register of Legal Entities, certificate of registration and registration;
- card with signatures and seals;
- passports of all persons indicated on the card;
- documents confirming appointment to positions;
- a lease agreement or certificate of ownership of the property where the activity is carried out.
If the agreement is signed by power of attorney, the power of attorney itself and the passport of the responsible person are required.
After 3 months from the date of registration, accounting documents and reporting may be needed (balance sheet, tax return, certificate from the tax office about the absence of debts, etc.).
Ratings
Forbes: reliable Russian banks 2019 - 76th placeAccording to Markswebb Rank & Report.
Conditions of settlement and cash services at Russian Standard Bank
Russian Standard offers entrepreneurs only a number of standard tariff plans without special packages.
Cost of opening a second and subsequent account
Standard tariffs for opening a first account with Russian Standard can be found in the table above. The second and subsequent bills will cost 1,700 rubles. for every.
For maintaining each open account, a monthly fee is charged - 800 rubles. (if the account is handled through the remote banking system).
Cost of a foreign currency account
The commission for opening a foreign currency account does not differ from the payment for a ruble account - 2000 rubles. for the first and 1700 rub. for subsequent ones.
Maintenance - 800 rubles/month (for each open one).
If there is no turnover on the accounts, then no maintenance fee is charged. If there is no turnover for more than 12 months, a subscription fee of 1,500 rubles per month is activated (but not more than the account balance).
Currency control
For each operation of control of currency transactions within the framework of a registered contract, a commission of 0.12% is charged (minimum 500 rubles, maximum 45,000 rubles).
Acceptance of the contract for registration - 1500 rubles.
If transactions do not require registration of a contract, the bank charges 0.08% on each transfer/receipt (minimum RUB 300, maximum RUB 15,000).
Providing a control sheet - 300 rub.
Extension of the operating day
After the end of the standard operating day, clients can make an urgent transfer in the BESP system. The service will be paid based on a commission of 0.01% of the amount of each payment (but not less than 250 rubles, maximum - 1,000 rubles).
If the transfer amount exceeds 100 million rubles, then it is sent automatically in the BESP system with the corresponding commission being charged.
Tariffs for individual bank cards
Especially for individual entrepreneurs who decide to withdraw funds from their account to a personal card.
The bank offers a wide range of cards for individuals, including:
- virtual;
- prepaid;
- credit;
- debit.
For example, the “Bank in Pocket Standard” card provides the following features:
- up to 5% is accrued on the balance and on a special savings account (the card must fulfill the terms of the program - pay for purchases of at least 3,000 rubles in the previous month, interest is accrued on the account in any case);
- up to 15% cashback (maximum benefit when shopping in partner stores, in special categories - 5%, for other products - 1%);
- additional discounts under the special “Discount Club” program - up to 30%;
- free withdrawal from ATMs of Russian Standard and B&N Bank (in the rest 2%, but not less than 100 rubles);
- SMS service (59 rubles/month).
The cost of card servicing is 900 rubles/year; if special conditions are met, payment can be canceled in the second and subsequent reporting periods.
Corporate cards
Business cards are issued under general conditions for all new clients (TP K1). The terms of service are as follows:
- Maintenance (including issue and reissue at the end of the validity period) - 1200 rubles / year.
- Cash withdrawal at RSB self-service devices, as well as at ATMs of third-party banks and at issuing points - from 1.25% (minimum 175 rubles) to 5% depending on the total amount of withdrawals per month (up to 500 thousand rubles - 1, 25%, 500 thousand - 1 million rubles - 2.5%, 1-3 million rubles / month - 5%). There are limits on transaction amounts during the day and at the end of the month.
- Deposit - 0.15% (only through Russian Standard's own ATMs).
- SMS notifications - 120 rubles/month for the first card, for the second and subsequent ones - 60 rubles/month (for each).
Tariffs can be changed only for existing clients within the framework of tariff plans TP K2 and TP K3.
Internet banking and remote banking services
A current account in Russian Standard is managed using the Correqts product from BSS LLC.
The software implements all necessary functions online:
- generation, signing and sending of payment documents, including mass payments;
- communication with technical support representatives;
- exchange of electronic documents;
- control of balances, payment statuses and documents.
High safety of using the RBS system is achieved through the use of:
- hardware USB tokens with key certificates;
- stand-alone one-time password generators (EToken PASS).
The latter can be used without connecting to a PC and do not depend on the reception network of a cellular operator or the speed of Internet access.
To operate RBS, you will need a PC with Windows 7 or higher operating system, as well as a modern browser.
Payment is charged only for hardware access keys (password generators); using the RBS system is free.
There is no mobile application.
SMS information is provided only for corporate cards; the service is paid (depending on the number of connected cards and the RKO tariff).
Acquiring
Trade
Connect in 2 days online. Commission 1.8 – 2.5%. Purchase of a terminal 13.3 thousand rubles. (Verifone VX805), available in installments/rental. Payment systems VISA, MasterCard, MIR, UnionPay, JCB, American Express, Diners Club, Zolotaya Korona.Internet
Payment systems VISA, MasterCard, MIR, UnionPay, JCB, American Express, Diners Club, Zolotaya Korona.Additional services
Salary project
Temporarily suspended for new clients
Corporate cards
MasterCard Business RUR 1,200/year
The number of daily transactions performed at Russian Standard Bank is very large, as is the number of clients who have been cooperating with the bank for many years.
Moreover, the number of clients is increasing every day, and this fact cannot be ignored.
The fact that the bank is large gives it the opportunity to specialize in several types of activities at once, and quite successfully, and not just provide lending services to the population. The main types of specialization are:
- Cash settlement services in Russian Standard for all clients.
- Acquiring.
- Opening the first and subsequent accounts and so on.
The bank's management also offers each client to take advantage of additional services that become available after registering and starting to use their account.
Strengths of the bank that make it stand out from other organizations
The main positive aspects of working with this financial and credit institution are:
- Lightning-fast execution of all operations.
- The ability to have constant access to your funds thanks to a corporate card.
- The optimal tariff for each client, selected individually. Therefore, both individual entrepreneurs and LLCs can open a current account at Russian Standard Bank.
- The ability to conduct transactions on your accounts in each bank branch.
- Opening an account in different amounts of money and value, both in rubles and in foreign currency.
- Remote management of your accounts, income and expenses, and so on.
It is worth adding that the bank has a number of other advantages, which clients will be able to access immediately after signing the relevant agreement.
Please note that funds will not be charged if there is no cash flow on the account. SMS notifications on transactions and the ability to use Internet banking are provided free of charge.
Tariffs for opening a bank account in the Russian Standard organization
In order to understand the essence of the bank’s work, you need, first of all, to familiarize yourself with the tariffs for cash settlement services in the Russian Standard, which are offered to clients. The best way to compare them is in a table.
Service name | Amount of payment or commission | Note |
Create your first account | Removed according to opening date |
|
RBS users, service rules | 800 rub./month (including part-time) | Written off on the last working day |
Cost of working with an account when using paper data | Monthly |
|
Amount of money in case of no transactions | Not a turnover |
|
Amount for non-working account | 1,500 every month | Deducted from the account according to the agreement |
Close an account | for free | |
Transfer of funds to another bank | 35 rubles for each operation | |
Fee for transfer to another bank (hard copy) | 150 each transfer | Removed on the day of the transaction |
The percentage that is assigned to the amount of the cash balance | Accrual occurs on the first working day of each month |
|
Starting a checkbook | ||
Cash delivery, collection, acceptance of collected funds | In accordance with an individual agreement | VAT included |
Payment of the money | ||
Issuing money to pay employees |
Documents required to open your personal account
In order to be able to use all the services described above, a potential bank client will need to prepare documents to open a current account in Russian Standard.
It is important to note here that there is a different package of documents for an individual and a legal entity, so before you start collecting it, it is best to consult with a bank employee who will answer all questions and help deal with possible problems.
However, the most common documents included in this package are:
- Constituent documents officially confirming your activities.
- An extract taken from the Unified State Register of Legal Entities (it is important to note that the extract will only be valid for a month).
- A certificate confirming the official completion of the registration procedure for your company, organization, etc.
- Certificate of tax registration.
- A document confirming that you are the general director or an official employee replacing him.
- In some cases, a license may be required to prove your right to engage in this type of activity.
- Accounting statements for the last year.
- Additional documents depending on the situation.
The procedure for opening a current account - important points
In order to open a personal current account, you need to contact the bank in person, whose employee will provide you with a special application form and also ask you to provide the above documents. Therefore, it is best to collect them in advance so as not to waste extra time.
An application for a current account in Russian Standard can be submitted through the bank’s official website, by going to which you will need to go to the appropriate section.
In this case, you must be prepared for the fact that after consideration of your application you will be invited to the bank to sign the relevant documents.
By opening an account with this bank, you must understand that you are using the service of one of the largest financial and credit organizations in the country, which means that the money of your business is in safe hands. You don’t have to worry about the fact that something might not go as expected, or that the money might go in a different direction.
Managing accounts opened with this bank is easy and very simple. For each client, a large number of different opportunities have been developed that you can use and run your business successfully.
One such opportunity is online banking. That is, you can manage your accounts and regulate actions on them literally from anywhere in the world, simply using your personal account on the bank’s website.
RKO in Tochka Bank. | Open an account |
More about the current account
- Opening an account is free in 10 minutes;
- Maintenance – from 0 rubles/month;
- Free payment cards – up to 20 pcs./month.
- Up to 7% on account balance;
- Overdraft possible;
- Internet banking – free;
- Mobile banking is free.
![]() | RKO in Raiffeisenbank. | Open an account |
More about the current account
- Opening an account is free in 5 minutes;
- Maintenance – from 490 rubles/month;
- Minimum commissions.
- Registration of salary cards is free;
- Overdraft possible;
- Internet banking – free;
- Mobile banking is free.
RKO in Tinkoff Bank. | Open an account |
More about the current account
- Free opening of account in 10 minutes;
- The first 2 months are free of charge;
- After 2 months from 490 RUR/month;
- Up to 8% on account balance;
- Free accounting for individual entrepreneurs on Simplified;
- Free Internet banking;
- Free mobile banking.
![]() | RKO in Sberbank. | Open an account |
More about the current account
- Opening an account - 0 rub.;
- Maintenance – from 0 rubles/month;
- Free “Sberbank Business Online”;
- Lots of extra services.
More about the current account
- 0 rub. opening an account;
- 0 rub. Internet banking and mobile banking for account management;
- 0 rub. issuing a business card for depositing and withdrawing cash at any ATM;
- 0 rub. first deposit of cash into the account;
- 0 rub. tax and budget payments, transfers to legal entities and individual entrepreneurs in Alfa-Bank;
- 0 rub. account maintenance if there is no turnover.
RKO in the Eastern Bank. | Open an account |
More about the current account
- Opening an account is free;
- Reservation in 1 minute;
- Internet banking and mobile application are free;
- 3 months of service free of charge;
- after 3 months from 490 rub./month.
![]() | RKO in LOKO Bank. | Open an account |
More about the current account
- Opening an account is free;
- Reservation in 1 minute;
- Maintenance – from 0 rubles/month;
- Cash withdrawal from 0.6%;
- Free terminal for acquiring;
- Internet banking and mobile application are free.
![]() | RKO in MTS Bank. | Open an account |
More about the current account
- Cash withdrawal (up to 700 thousand rubles) - free
- Up to 5% on account balance
- The cost of payment is from 0 rub.
RKO in UBRIR Bank. | Open an account |
More about the current account
- Account maintenance - from 0 rub./month.
- Connection to acquiring - free
- Bonuses from partners
- Interbank payments - from 0 rub./3 months
RKO at Otkritie Bank. |
- Current account for an individual entrepreneur
- Applying for a consumer loan Otp bank official
- What is a credit limit on a credit card? How much is interest reduced on Sberbank credit cards?
- Loan from OTP Bank - calculator, application without certificates, take out and pay a loan online Fill out an application for a loan from OTP Bank