Raiffeisenbank settlement and cash services for legal entities. RCOs of Raiffeisenbank for legal entities and individual entrepreneurs - working with a personal account of RCO for small businesses
The implementation of settlement and cash operations is an integral part of every business; for every entrepreneur, the speed of opening an account, the presence of a complex necessary services at reasonable prices. 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.
RSC from Raiffeisen Bank provides for the opening of a current account, its maintenance. And also a whole range of services that are necessary for both small businesses and large companies:
Why legal entities choose RCO from Raiffeisen Bank:
- It is large and reliable international bank, is in the TOP10 on 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;
- Acceptable cost for Raiffeisenbank for small business calculated cash service, 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 cash settlement services:
- 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;
- An obligatory 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, an additional Registration Certificate is required 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 RKO rates 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 varies. individuals- 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.
Opening a current account is free of charge. Clients are offered 4 RCO tariff plans.
Tariffs are presented for the Moscow region and St. Petersburg, if the borrower is located in another region, the amount of commissions must be specified on the website by entering your own location, or by phone hotline jar.
Start
For novice businessmen who are just opening their first current account, and it is mainly required to pay mandatory payments.
- Service fee 990 rubles / month, if the borrower pays once / month. When paid in advance, respectively, 8916 rubles / year, 17832 rubles / 24 months;
- The cost of a mobile bank, SMS notification services for 190 rubles / month;
- Transfer of FL 1% maximum one-time 100 thousand rubles.
Base
Used for operating LLCs, individual entrepreneurs who have a need to perform cashless transactions with contractors.
- Service 1900 rubles / month, if paid monthly, with advance payment, respectively 17112 rubles / year, 34224 rubles / 2 years;
- Free services: Payments through the Bank-Client system 10 pcs., mobile bank;
- SMS notifications 190 rubles / month;
- 10 free payments to partners;
- Individuals can transfer up to 200 thousand rubles. with a commission of 1%.
Optimum
The optimal tariff for users who have turnovers on their current account.
Cash settlement fees:
- Keeping an account 2900 rubles, if you pay in advance, respectively 26100 rubles / year, 52,200 rubles / 24 months;
- Free features: mobile bank, SMS notification, 60 payments;
- Possibility to transfer FL up to 500 thousand rubles;
Maximum
Designed for individual entrepreneurs with good turnover on the current account, who regularly carry out transactions.
Cash settlement fees:
- Maintaining an account 7500 rubles / month, with an advance payment of 67500 rubles / year, 135 thousand rubles. R. / 2 years;
- Free services: transactions 300 pcs. monthly, internet bank, mobile bank, SMS notifications;
- It is allowed to transfer up to 700 thousand rubles to the accounts of the FL.
If the client connects Maximum and Optimum, IE managers are provided free maps with one or two additional service packages "Gold"... The complete tariff plan is available here.
How to open a current account for an individual entrepreneur in Raiffeisenbank?
For the convenience of users, the bank provides for remote submission of an application for opening a current account. To register, it is enough to send an application from the bank's website.
The procedure will be as follows:
- Go on the website.
- Open the section "Small business".
- Go to the cash settlement tab, click "Open an account".
- The client will open an application for booking an invoice. You must enter a contact phone number, name of individual entrepreneur, TIN, e-mail address, city of residence.
- After submitting the application, the account details will be sent to the specified e-mail address. They can be used when concluding contracts, the account can receive cash, but the client will not be able to use them until it is activated.
- Immediately after receiving the details, a bank specialist will contact the client to clarify the list of documents that must be provided to activate the account and set the day, the client will be able to transfer them to the bank by code.
- After collecting all the documents, the individual entrepreneur can independently visit the representative office of the company to transfer them or order a visit of a bank specialist to sign an agreement for settlement and cash services.
- After receiving the documents, the client immediately gets the opportunity to use the current account.
In case of problems, the client can contact the bank's hotline for help by calling 7 495 775 55 75.
ZAO Raiffeisenbank - Russian commercial Bank with headquarters in Moscow and numerous branches in the regions. It is part of the international banking group Raiffeisen Bank Group, which has more than a century and a half history. This financial structure undoubtedly values its long-standing traditions, its reputation and image. She has been working in Russia since 1996. And special attention is paid here precisely to interaction with small and medium-sized businesses.
Existing tariff plans and conditions
Opening a current account with Raiffeisenbank is quite a worthy solution for individual entrepreneurs and LLCs. On the official banking website, this can be done in the shortest possible time, and the offered rates can be called adequate and not burdensome.
Keeping an account with Raiffeisenbank is allowed both in rubles and in foreign currency. It is also important that all transactions here are carried out as quickly as possible. And even if you want to open several accounts at once, the payment will be charged as for one.
For Russian legal entities and entrepreneurs, the following tariff plans are offered today:
- "Base";
- "Start";
- "Optimum";
- "Maximum".
Opening a current account in Raiffeisenbank for individual entrepreneurs at the "Start" tariff is for those who have recently started their career as a businessman. Monthly payment here it is equal to only 990 rubles. And for a mobile bank (to connect, you need the will of the client, if there is no need for the service, you can not connect) an additional 190 rubles are taken. In addition, the costs can be even less if you pay in advance immediately for a year or two years of service - it will cost 8916 and 17832 rubles, respectively.
Tariff "Basic" more expensive - 1900 rubles per month. According to the terms of this tariff, an individual entrepreneur or LLC can make ten payments per month to their counterparties without commission. All subsequent payments will be charged 25 rubles. Internet banking and mobile banking are provided here free of charge - that is, they are included in the package.
Optimum tariff costs 2490 rubles. This tariff also already includes Internet banking and mobile banking, as well as the "SMS for business" service. There are 60 payments per month for free, all subsequent payments will cost 25 rubles.
Tariff "Maximum" costs 7,500 rubles per month. It has all the same advantages as Optimum. But at the same time, the limits are much higher - 300 payments per month can be made without any commission fees. In addition, 700 thousand rubles per month can be transferred from the current account at the Optimum tariff to the cards of individuals.
In order for customers to be able to familiarize themselves in detail with each tariff, prices and other details, a tariff book is posted on the official website of Raiffeisenbank www.raiffeisen.ru. And it should be borne in mind that, in accordance with current regulations, you can choose only one tariff plan for all accounts opened in Raiffeisenbank per company. But, of course, if necessary, the client at any time can apply to switch from one tariff plan to another. You can do this any number of times. One such transition costs 1000 rubles.
It should be specially noted that all the prices quoted are prices that are relevant to customers from Moscow and Moscow region. For customers working in other regions of Russia, service at the indicated rates may even cost a little less - it is advisable to clarify this issue by calling the special regional hotline number 88007009100.
Service package for central regions - Moscow and Moscow region, St. Petersburg
Service package for other regions
Documents required to open an account
The account opening procedure is quite simple. First of all, you need to fill out an electronic form on the portal of the Russian Raiffeisenbank (the address was indicated above). The difference between an individual entrepreneur and an LLC in this case lies primarily in the set of necessary documents. To open a current account with Raiffeisenbank for LLC, you will have to provide:
- bank statement;
- LLC charter;
- a card with samples of signatures and seal samples;
- the decision on the appointment of the client as the head of the legal entity;
- documentation confirming the authority to sign;
- passports of the manager and other individuals who have the right to sign documents (if any);
- a license to operate (for some types of business, as you know, licensing is required).
The list of required documents for individual entrepreneurs is much shorter. In this case, you only need to provide an extract from the USRIP, an application for opening an account and a photocopy of the businessman's passport.
Account opening algorithm
Submitting the documents listed above is not the very first step that will have to be taken to open an account with Raiffeisenbank for legal entities. First of all, you need to submit an application online, on the bank's portal. Filling out this application is not particularly difficult. But it is available only for individual entrepreneurs and LLCs with a residence Russian Federation... Non-residents will have to use other methods.
The online application form contains the following fields:
- Full name of the contact person;
- e-mail;
- town;
- branch (here you need to indicate the most convenient Raiffeisenbank branch for yourself).
Having entered all the specified data, you should also put two checkboxes - one will confirm agreement with the terms of service, the other will agree with the terms of processing personal data.
After sending an online application, a bank employee will call a potential client and advise on further actions. If the client agrees during the dialogue, then the invoice will ultimately be booked for him. The details of this account will be immediately sent to the client's e-mail. By the way, an account with Raiffeisenbank is reserved for a period of up to two weeks (before this period expires, an official agreement on cash settlement services should be concluded).
Next, the employee will offer to make an appointment. And here two options are possible: either the client drives up to the nearest bank office, or a bank representative with all necessary documents will arrive at the client's address.
Cash settlement services at Raiffeisenbank: services for business
The range of services for settlement and cash services today includes:
- currency control;
- Internet banking;
- SMS-informing;
- collection;
- issue of special corporate cards;
- salary projects;
- acquiring.
Each of the positions on this list deserves a separate discussion.
Currency control and collection
Today, foreign exchange control over the operations of legal entities and individual entrepreneurs includes really many important options. These include, for example, consulting support from the bank at all stages of the transaction. Assistance in preparing documents related to currency control, registration of passports of transactions and support of transactions related to foreign economic activity- all this too banking structure undertakes within the framework of this service.
In addition, if necessary, the bank can draw up recommendations for organizing the electronic exchange of documents between the client (individual entrepreneur or LLC) and the bank. Acceptance of these recommendations will make it possible to strictly observe the deadlines for submitting documents established by the legislation of the Russian Federation.
This banking organization there is also its own collection service. Her responsibilities include delivery of the client's proceeds to the bank, delivery bargaining chips and banknotes to the client, delivery large sums cash by check. The client has the right to agree with the proposed collection schedule, or offer his own. Also, the client can resort to cash collection services for the transportation of all kinds of valuable goods.
Corporate cards and salary projects
For clients who are on the cash settlement desk at Raiffeisenbank, we offer, among other things, special corporate cards. This is a fairly reliable means of paying for representative, household and travel expenses... At the same time, the business leader gets the opportunity to control and check his employees. This card will help protect against tricks such as providing bogus receipts that do not match actual expenses after a business trip. And the risk of theft of the issued money or robbery is also practically close to zero. In general, such a card simplifies advance and travel payments, and reduces the amount of paperwork. In addition, when using it, you can get discounts from the bank's partners - there is a bonus program.
The salary project from Raiffeisenbank also provides certain advantages and conveniences. One of the main advantages is that the service here is carried out in a complex, taking into account all the details. For each full-time employee, a salary package is issued free of charge. And three additional "plastic" can be issued additionally to one main card. A high level of confidentiality is ensured for all payments within the framework of the project.
Money intended for payment salaries, are transferred to the destination in one payment - this allows you to save money (no extra commissions) and time. And in general, the payment process is automated to the limit. And one more important point: for payroll clients(employees of the serviced company) Raiffeisenbank offers more loyal conditions for loans - they can be taken at the lowest rates and without certificates confirming income.
For individual entrepreneurs and directors, Raiffeisenbank LLC also offers certain bonuses. All transactions related to salary project, supervised by a personal manager. And for any question, the client can always contact him. Also, managers can be offered premium cards, discounts and additional beneficial offers.
Mobile, merchant and online acquiring
First of all, it is worth understanding the term "acquiring" itself and its varieties (not everyone may know, this is a relatively new phenomenon). Speaking in simple words, merchant acquiring- is the organization of the opportunity to sell goods at a particular outlet by bank transfer. In this case, the money from the buyer's card is transferred to the account of the acquiring bank, and then to the account of the organization.
In order to organize the acceptance of payments by bank transfer, it is necessary to install special POS terminals, to which the consumer will have to insert or apply a card. A mobile acquiring is the organization of such a non-cash payment system, in which the buyer is given the opportunity to pay for goods not even with a bank card, but simply with a smartphone with an application installed on it. And, finally, online acquiring (Internet acquiring) is understood as a method of payment on the seller's website using bank card... In this case, the card itself is not presented to the seller, only its details are indicated.
For clients of IE and LLC Raiffeisenbank is ready to provide all three types of acquiring. Moreover, all the necessary equipment is installed free of charge - it accepts cards from the largest international payment systems... In case of malfunctions and failures, the seller can call technical support - it works around the clock.
Internet banking and SMS for business service
Raiffeisenbank has created its own Internet bank (Bank-client) for businessmen called Raiffeisen Business Online (RBO). It is compatible with all popular OS (Linux, Windows, Mac) and almost any browser. In RBO you can carry out RUB and currency operations without fear for the safety of finances and financial data. Remote service in a specialized online service provides other advantages. In particular, here you can:
- send and receive extracts in convenient formats;
- log into the online account using a single login to manage all your accounts (even if they belong to different companies);
- sign payments with an ordinary SMS password without unnecessary red tape;
- make several payments at one time.
And if you want to always keep your finger on the financial pulse of your organization, then you should also connect a useful service like "SMS for Business". With its help, it becomes easier than ever to control the accrual and write-off of funds from the account of your company, find out the statuses payment orders, receive notifications about events in the RBO system, etc.
SMS-OTP (SMS One time password)- a bank service for confirming transactions in the Internet bank and mobile bank using one-time codes sent in an SMS message to the Signer's registered phone number.
The daily limit for signing documents with an SMS code is 1 million rubles per day (Moscow time).
If a token is available, it is possible to certify counterparties, and the daily SMS-OTP limit in favor of such recipients will be increased to 3 million rubles during the day (Moscow time).
Advantages:
Commission for connection and use of the service - no
No installation required additional programs and drivers
Does not depend on the operating system of the computer and mobile phone
Codes are one-time use, they are valid for a limited period of time and only for a specific operation
How it works:
When signing a document in the Internet bank (ELBRUS Internet, RBO) or in the mobile bank (ELBRUS Mobile, Raiffeisen Business), a 4-digit code is sent to the registered phone number via SMS, which must be entered in the system. If the code is entered correctly, then the document is signed successfully and is available for sending.
How to connect:
To activate the service, it is necessary to provide a corresponding application indicating the signatory and the mobile phone number (Appendix No. 12 to the Agreement on the Bank-Client system).
If you have a token, then connection is possible in the ELBRUS Internet system in the section "Services and services" - " Additional services"-" SMS-OTP ". You need to create an application and confirm it with a token.
Restrictions:
Only one document can be signed with one SMS code.
To increase the security of the service, at each attempt to sign documents, it is checked whether the SIM card with the registered phone number has been changed. If the change of the SIM-card is recorded or it is impossible to check the invariability of the SIM-card, then signing the document with SMS codes is not available.
In international roaming, SMS-OTP may not work, since in this case information about a possible SIM card change may not be available. For the security of funds on the account, under such conditions, the SMS code is not generated.
Not all mobile operators are suitable for connecting to the service, since not all operators can check the change of the SIM card (for example, Motive, etc.).
The service is connected to only one phone number. That is, the code is sent to only one addressee.
What to do if the SIM card has changed:
If you have changed your SIM card, the service must be reconnected (see How to activate).
Moreover, if you have changed your SIM card without changing your phone number, then you can reconnect the service by contacting the Bank's Call Center 8 800 700-4646 (subject to successful identification)