Registration and accounting of foreign exchange transactions. Self-tested
12:42 26.02.2015
An individual entrepreneur who decides to entrust his capital to a bank should take this issue seriously. There are enough banks in the country, but a large selection can only confuse you even more.
Someone can choose a bank, focusing on the proximity of the head office to home, for someone the successful operation of a call center will be important, and someone can simply make their choice at random. Therefore, we decided to help individual entrepreneurs and compared offers on the market.
Many banks offer to create and maintain for free, and some - both at once. However, at the same time, many banks are seriously recouping when closing an account. For example, opening an account with BTA-Bank for a symbolic 100 rubles, you will eventually have to pay 660 thousand rubles to close the account. There are also similar examples. "Trustbank" offers to open an account free of charge, but you will have to pay 500 thousand rubles for closing. Absolutbank did exactly the opposite - here it will take 500 thousand rubles to open an account, but it will be possible to close it free of charge. Alfa-Bank will charge you only 90 thousand for opening an account (which is a pretty good offer on the market), closing is free. Delta-Bank has a similar offer, however, opening an account costs 50 thousand rubles.
Name of the bank |
Opening an account |
Account maintenance (per month) |
Client-bank |
Payment cost |
Interest for transferring money to the card |
Interest for withdrawing money at the bank's cash desk or ATM |
Interest for the delivery of proceeds to the bank cash desk |
Card issuance and service |
Account closing cost |
MTBank | Is free | 150 000 BYR | 75 000 BYR / month | Is free. The number of payments is not limited. | 0.8% of the transfer amount | At the bank's cash desk - 1% of the amount. ATM MTBank and partners - 0%. | 0.1% (min.12 000 BYR) | Maestro or Visa Electron valid for 2 years: 200,000 BYR. | 203 000 BYR |
Trustbank | Is free | In fact, for the services rendered. Service package "Standard" - 170,000 BYR / month. Premium service package - 400,000 BYR / month. | 100,000 BYR / month | 4000 BYR - one payment; 500 BYR when connecting a client bank | 0.7% of the transfer amount | 1,7% | 0% | 40,000 BYR for issuing a Visa Electron card | 500 000 BYR |
Zepter Bank | Is free | 20 000 BYR | 100,000 BYR / month + installation: 35-75,000 BYR. | 1000 BYR - each payment through a client-bank. | 1) 0,7%; 2) 1%; 3) 1.5%; | 1) 0% at Zepter Bank ATMs; 2) 0% in Zepter Bank and Belarusbank; 3) 1.5% in all other ATMs. | 0.1% of the amount | BelKart or VisaElectron - free of charge. VisaClassic - 100,000 BYR. VisaGold - 300,000 BYR. | 150 000 BYR |
Idea Bank | Is free | Free (on standard terms) | 150 000 BYR / month | Up to 30 payments per month. Paper payment - 20 000 BYR Payment through a client-bank - 2 500 BYR. | "Standard" - 0.8% of the amount. "Premium" - 1.9% of the amount. | "Standard": 0% in Idea Bank and partner banks; 1.5% of the amount in other banks. "Premium" - 0% in all banks. | 0.3% of the amount (min 5000 BYR) | Maestro and MasterCard are free. On MasterCard cards, according to the terms of the agreement - the minimum balance is 900,000 BYR. | 180 000 BYR |
Bank Moscow-Minsk | 300 000 BYR | Is free. | 300,000 BYR per month. | Paper carrier - 40,000 BYR. | 2% | 2% | 0% | Registration of MasterCard - 400,000 BYR; Maestro - 100,000 BYR. | 145 000 BYR |
Belagroprombank | 125 000 BYR | Is free. | 70 000 BYR per month + 150 000 BYR registration. | 20,000 BYR (paper) and 4,000 BYR (client-bank) in the Belagroprombank system; 30,000 BYR (paper) and 6,000 BYR (client-bank) in the interbank settlement system. | 1.9% of the transfer amount. | 2.5% of the transfer amount. | 0,2% | Visa Electron - 40,000 BYR. Belkart - 20 000 BYR. Visa Classic - 150,000 BYR. Visa Gold - 520,000 BYR. | 310 000 BYR |
BPS-Sberbank | Depending on the package of services. The minimum is 95,000. | Depending on the package. | Included in the price of any package. | Depending on the package. | 2% | 2,5% | 0.16% (min.16k) | VisaElectron Or Maestro - 9000 BYR Depending on the package. | 300 000 BYR |
ASB Belarusbank | 100,000 BYR or the cost of a package of services (from 360,000 to 3,955,000 BYR). | Depending on the package. | Is free. | 4500 BYR | 2% | 0% | 0.2% of the amount | 310 000 BYR | |
Belinvestbank | 100,000 BYR or the cost of a package of services. | Depending on the package of services. | 50 000 BYR / month | 5000 BYR through the client-bank via Belinvestbank or 7000 BYR to other banks. | 2% | 2,5% | No information available. | MasterCard Business, Visa Business, Belcard. | 280,000 BYR |
Technobank | Is free | 128,000 BYR or 90,000 BYR. In foreign currency - free of charge. | 158,000 BYR / month. | Unlimited number of payments. | 0.9% of the amount; 0.7% - credited to the personal income account of the individual entrepreneur. | By check (rubles and currency) - 1%; From the current account upon application - rubles 2% and currency 1%. | No information available. | Cost of servicing salary cards per year: Visa Electron - 10,000 BYR. Visa Classic - 30,000 BYR. Visa Gold - 330,000 BYR. Visa Platinum - 1 million BYR or 110 dollars or 85 euros. Belkart Toloka and Motsnaya - free of charge as salary cards. | 290 000 BYR |
Paritetbank | 80 000 BYR | 61 000 BYR | Installation - 50,000 BYR. | Up to 15 hours 30 minutes: via client-bank - 6300 BYR. Paper - 18 000 BYR. After 15:30 - 43 000 BYR each payment. | BYR - 2% Currency - 1% | BYR - 2% Currency - 1% | BYR - 0.2% Currency - 0.1% | Belkart is free. Visa Electron - 50,000 BYR. Visa Classic - 100,000 BYR. VisaGold - 200,000 BYR. All amounts are for two years. | 150,000 BYR - closing an account. 480,000 BYR - when closing an account and leaving to another bank. |
BNB-Bank | Is free | 100 000 BYR | 150 000 BYR / month | Through a client-bank - 7500 BYR. Paper - 15,000 BYR. | 1% | 0% | In the bank - 0%. To the exchanger - 0.2% | MasterCard Standart and Visa Classic - $ 25. Visa Electron and Maestro - $ 5. Visa Gold and MasterCard Gold - $ 120. Visa Platinum - $ 197. | 258 000 BYR |
Belgazprombank | free of charge in case of connection to the cash settlement package, or 145,000 (regardless of the number of opened accounts) | not charged in case of connection to the cash settlement package, or 300,000 per month (payments are free) | not charged in case of connection to the RCO package, or "80,000 BYR / month +125,000 BYR for installation and registration | free of charge within the package or upon payment of a commission for servicing an individual entrepreneur account. Over the limit included in the package: Paper without barcode: 50,000 BYR. Paper with a barcode: 30,000 BYR., Payment by RBS systems from 0 rubles to 10,000 | from 0.7% | 0% - at Belgazprombank ATM, MTBank ATMs and VTB Bank (Belarus) ATMs; from 0% to 0.5% - at Belgazprombank cash desks and RUE Belpochta branches. From 0% to 2, 5% - at cash desks and ATMs of other banks. | 0% | Release and maintenance salary cards - is free. Cards: Visa Classic, MasterCard Standard, Visa Gold, MasterCard Gold. | "Execution of documents for closing accounts when the client switches to service in another bank" - 290,000 rubles for each account |
RRB-Bank | Is free | 150,000 BYR (only in case of service without an electronic payment system). | Service - 105,000. Connection is free. | Client-bank - 1370 BYR. Paper payment - 10,000 BYR. | 2) 1% - 7 partner banks. 3) 1.7% - all ATMs of the Republic of Belarus. | 1.5% - through the bank cash desk 1) 0.8% - only in RRB-Bank. 2) 1% - 7 partner banks. 3) 1.7% - all ATMs of the Republic of Belarus. | 0% | Visa Electron - free Visa Classic - 75,000 BYR. Card personalization - 75,000 BYR (one-time payment). Gold - personalization 150,000 + annual service 400,000 BYR. Platinum - 300,000 BYR personalization + 900,000 BYR maintenance per year. . | Is free. |
Fransabank | 300 000 BYR | Is free | 100,000 BYR / month + 100,000 BYRinstallation + 300,000 BYR - collateral value of the carrier. | 800 BYR | 0,7% | 0% | 0,3% | Mastercard - 270,000 BYR for the issue + 120,000 BYR for 2-year maintenance. | 350 000 BYR |
Alfa Bank | 90 000 BYR | 135 000 BYR | 112 000 BYR +167 400 BYR (installation). | Paper payment - 20 000 BYR: Through a client bank - 6300 BYR. | 1,5% | 0% at the cash desk of the bank and ATMs of Alfa-Bank and partner banks. In other banks - 2%. | 0.2% (may vary depending on the package up to 0.08%) | Maestro (24,000 BYR), MasterCard Standard (180,000 BYR), MasterCard Gold (450,000 BYR). | Is free |
Delta Bank | 50 000 BYR | 60 000 BYR | 100,000 BYR / month + 100,000 BYR for installation. | Paper payment - 15,000 BYR. Through a client bank - 2000 BYR. | 2% | BYR - 2% Currency - 1.5% | 0,2% | Visa Electron (free), Visa Сlassic Visa Gold BelKart (free) | 500 000 BYR |
Eurotorginvestbank | Is free | Is free | 150,000 BYR - installation. 170,000 - monthly. | 20 000 BYR | The bank does not issue cards. | 1,5% | 0,2% | The bank does not issue cards. | 175 000 BYR |
BTA Bank | 100 BYR | 70 000 BYR | 190,000 - 280,000 BYR (depending on the package) | Paper - 15 000 BYR: Client-bank - 4000 BYR. | 0 - 2% (individually) | 2% | 0% | Belkart is free. Visa Classic - 15 $ Visa Electron - 10 $ Visa Gold - 40 $ | 660 000 BYR |
BelSwissBank | Is free | 50 000 BYR | Free installation. Service: 0-5 payments \u003d $ 15, 6-15 \u003d $ 20: 16 or more \u003d $ 25 | More than 200 million BYR - 2% | Up to BYR 100 million - 1% 100 million - 200 million - 1.5% More than 200 million BYR - 2% | 0% | Visa Electron is free. Visa Classic - 150,000 BYR. Visa Gold - 400,000 BYR Visa Platinum - 1,300,000 BYR per year. | 145 000 BYR | |
VTB Bank (Belarus) | Is free | 235,000 BYR (the price already includes 24 payments). | Installation and maintenance are free. | For every fifth payment - 30500 BYR. | 1% | By checks: 1.4% | 0.1% (min 20,000 BYR). | Visa Electron - 50,000 BYR: Visa Classic - 250,000 BYR + min. installment 500,000 BYR (will be available on the account). Visa Gold - 400,000 BYR + min. fee 2,000,000 BYR. | 300,000 BYR + disconnection of the client bank 236,000 BYR |
Belarusian Bank of Small Business | Is free | Is free | 150,000 BYR / month. | Package for a client-bank of 100 payments - 220,000 BYR. The rest - 2500 BYR. | 0,8% | 0% at ATMs of the bank and partners. | 0.3% (min 5000 BYR) | MasterCard and Maestro. Release and maintenance is free. | 180,000 BYR. |
Priorbank | 150 000 BYR | 300 000 BYR | The cost is included in the subscription fee | 5 per month for free. 6th and further - 10,000 BYR. | 2% | 2% | 0.4% (min 20,000 BYR) | Belcard (35,000 BYR for 2 years), Visa Electron (60,000 BYR), Visa Classic (200,000 BYR), MasterCard, MasterCard PayPass, Visa Gold (1,500,000 BYR) and Visa Platinum (4,500,000 BYR). More details on the website. | 150 000 BYR |
BelVEB | Either a package for at least 135,000 BYR, or pay only a client-bank. | Is free. | Installation is free. The service cost is included in the package or 60,000 BYR / month. | 6600 - through the client-bank. 39,000 - paper payment. | 0,8% | 0% (including in partner banks) | 0,2% | Maestro, VisaElectron, BELKART-Maestro, BELKART-M - 25,000 BYR (one-time payment). MasterCard Standard, Visa Classic - 7 USD or 7 EUR per year. Visa Gold - 40 USD, 40 EUR or 250,000 BYR per year. Visa Platinum - 120 USD, 120 EUR or 1,000,000 BYR per year. | 400,000 BYR. |
Bank TC * | Is free | 130 000 BYR | Included in the cost of servicing the account. Installation - 100,000 BYR. | The payments have already been paid. Non-urgent paper payment - 10 500 BYR | 0% | At the bank's cash desk: 1.5% - up to BYR 10 million. 1% - 10-30 million BYR. 0.8% - St. 30 million BYR. | 1% | The bank does not issue cards. | 100 000 BYR |
Nord European Bank | 70,000 BYR. | 140,000 BYR. | Installation - 172,000 BYR. Monthly - 140,000 BYR (if there is a movement on the account). If there is no traffic, it's free. | Paper - 7000 BYR. Payments through the client-bank are already included in the service cost. | The bank does not issue cards. | 1,5% | 1% | The bank does not issue cards. | Is free. |
Eurobank | Free, but 75,000 BYR for signature certification. | 300,000 BYR - without a client bank. 260,000 - with a client bank. | 350,000 BYR (one-time payment) | Free (already included in the cost of service) | The bank does not issue cards. | 1% | 1% (but not more than 100,000 BYR). | The bank does not issue cards. | 200,000 BYR. |
BIT-Bank | Is free | Is free | 150 000 BYR Installation is free. | Paper - 20,000 BYR. Through the client-bank - free of charge. Urgent payment - 50,000 BYR. | The bank does not issue cards. | 1% | 0% | The bank does not issue cards. | 200,000 BYR |
Absolut Bank | 500 000 BYR | 100 000 BYR | The first three months - 1000 BYR. Then - 100,000 BYR per month. | Included in the cost of service. Paper (upon registration on the spot) - 40 000 BYR. | The bank does not issue cards. | 2% | 0,2% | The bank does not issue cards. | Is free |
Approx. Bank TC - the license is temporarily suspended by the National Bank of the Republic of Belarus.
Summarizing the above, in general, the most even, without any high fluctuations, is the proposal of RRB-Bank, due to which this particular bank can be advised to beginner individual entrepreneurs. More experienced ones will certainly want to focus on some criterion, since other disadvantages may not interfere at all. So, for example, if you need to make a lot of payments on a regular basis, you'd better choose MTBank. If the key factor for you will be the free opening and closing of an account, then again it is worth contacting RRB-Bank. Low interest rates will be waiting for you in the "Belarusian Bank for Small Business" and "Fransabank", and the most favorable conditions for opening an account and its maintenance, as well as the cost of using a client bank, you will find in "Paritetbank".
Of course, information can change, but as of today, this is exactly the picture. It should be noted that the table contains "Bank Trading Capital", despite the fact that at the moment the bank's license is suspended. Nevertheless, after some time (according to preliminary forecasts - in six months) the bank's activity will be restored and the information indicated in the table will be relevant again.
In a word, carefully study the criteria and choose the bank that will provide the most favorable conditions for you and your company.
To carry out operations with foreign currency, the branch of OJSC "Belagroprombank" in Smolevichi opens the accounts presented in the Appendix !!!.
The procedure for opening accounts is governed by the Rules for opening accounts by banks for clients in the Republic of Belarus, approved by the Resolution of the Board of the National Bank of the Republic of Belarus dated September 28, 2000 No. 24.12.
To open an account in foreign currency, a legal entity (individual entrepreneur) submits to the bank:
* application for opening an account (for a charitable account, the purpose of use must be indicated money from the account);
* a copy of the charter, which has a stamp indicating that state registration;
* copy of the certificate of state registration - for individual entrepreneur;
* card with samples of signatures and seal impressions (Appendix 80).
An individual to open accounts in foreign currency submits an identity document. To open a charity account, documents confirming the need to open such an account are also submitted.
When the National Bank of the Republic of Belarus changes the exchange rate of the Belarusian ruble against foreign currencies, a revaluation of all assets and liabilities of the balance sheet, recorded in foreign currency, is made. The liabilities formed at the expense of currency fundsreceived in previous years. Revaluation of balance sheet items is made daily at the beginning of the working day. The procedure for accounting for exchange rate differences is presented in Appendix 66.
When calculating interest on current (settlement) foreign accounts, the actual number of calendar days is taken and all changes in the amount of interest made by the Bank during the term of the Agreement are taken into account.
Interest is calculated monthly on the last working day of the month. The amount of accrued interest on current (settlement) accounts is added by the bank independently (without instructions / instructions from the account holder and without the written consent of the account owner) to the balance of funds on the account, and further accrual of interest is made on the new balance of funds on the account.
When the account is closed, interest is calculated and paid in full in accordance with the terms of the current (settlement) account agreement.
Current (settlement) account, special accounts of legal entities and individual entrepreneurs are opened on balance accounts 3012 "Current (settlement) accounts of commercial organizations" and 3013 "Current (settlement) accounts of individual entrepreneurs".
Accounting for receipts in foreign currency to customer accounts is presented in Appendix 67.
By Decree of the President of the Republic of Belarus dated July 17, 2006 No. 452 "On the compulsory sale foreign currency»The obligation was established for legal entities and individual entrepreneurs to carry out the obligatory sale of foreign currency in the domestic foreign exchange market of the Republic of Belarus in the amount of 30% of the amount of proceeds in foreign currency received on their accounts.
According to the Instruction on the procedure for the mandatory sale of foreign currency in the domestic foreign exchange market on September 13, 2006 No. 129, a legal entity or an individual entrepreneur submits to the bank no later than 7 working days from the date of receipt:
§ register of distribution of foreign currency (Appendix 68);
§ payment order for the amount of foreign currency to be sold on the stock exchange as a compulsory sale (Appendix 69);
§ a payment order for an amount of foreign currency less than the lot set at the exchange auctions for sale to the bank on account of a mandatory sale (if the amount of foreign currency subject to mandatory sale is less than 1000 units);
§ payment order for the transfer of foreign currency from a transit account to an account legal entity or an individual entrepreneur with whom a transit account has been opened, for the amount remaining after the mandatory sale (Appendix 70).
Based on the documents provided, compulsory sale foreign currency in accordance with the procedure established by the Instruction on the procedure for the mandatory sale of foreign currency in the domestic foreign exchange market September 13, 2006 No. 129.
The President of the Republic of Belarus has established cases when the mandatory sale of foreign currency arriving at the account of a legal entity - a bank client is not carried out (Appendix 71).
Legal entities have the right to buy foreign currency on the domestic foreign exchange market of the Republic of Belarus or on the over-the-counter market.
When buying foreign currency on the exchange (over-the-counter) foreign exchange market: a legal entity submits to the executing bank an application for the purchase of foreign currency in two copies (Appendix 72), as well as copies of documents confirming the basis for the purchase of foreign currency.
On the over-the-counter foreign exchange market, a legal entity has the right to purchase foreign currency from the bank that is the nominated bank, or from the seller bank. When buying foreign currency from the seller's bank, the application is submitted in triplicate.
The purchased foreign currency must be used for its intended purpose within 7 working days starting from the day following the day of its purchase. The storage period for foreign currency in a special account can be increased up to 30 working days (inclusive) by permission of the National Bank.
If the purchased foreign currency is not used before the expiration of the established terms of its storage in a special account, the client is obliged to sell this foreign currency back to the nominated bank on the exchange or over-the-counter foreign exchange market.
For international settlements, international correspondent relations are established. When establishing international correspondent relations, a decentralized settlement method is used (by means of a payment order in foreign currency). Accounting for international settlements is presented in Appendix 73.
The branch of Belagroprombank OJSC in Smolevichi provides loans to legal entities and individual entrepreneurs in foreign currency.
The procedure for granting a loan in foreign currency is established in clause 10 of the Instruction on the procedure for providing (placing) funds by banks in the form of a loan and their return, approved by the Resolution of the Board of the National Bank of the Republic of Belarus on December 30, 2003 No. 226 and ch. 11 Instructions on the procedure for providing business entities with funds in the form of a loan and their return in the system of OJSC "Belagroprombank", approved by the decision of the Board of OJSC "Belagroprombank" dated 05.08.2010, Minutes No. 44.
The procedure for reflecting the operations of granting, receiving and repaying loans in foreign currency in the accounting records is provided for in the Instruction on accounting operations of granting and receiving loans by banks and their repayment, approved by the Resolution of the Board of Directors of the National Bank of the Republic of Belarus dated March 30, 2007 No. 107 (Appendix 74), Instruction on accounting for operations in foreign currency of banks of the Republic of Belarus, approved by the Resolution of the Board of Directors of the National Bank of the Republic of Belarus dated December 26, 2007 No. 398 (Appendix 75), regulatory legal acts of the National Bank of the Republic of Belarus, which regulate the procedure for conducting operations in foreign currency and their reflection in accounting.
The basis for issuing a loan is a loan agreement.
To obtain a loan in foreign currency, a legal entity submits the following documents to the bank:
1. Application or petition for a loan;
2. Balance sheet with all attachments to it;
3. Balance sheet as of the last quarterly date;
4. Copies of the agreement or other documents confirming the credited transactions;
5. Additionally, data is provided on the expected receipt and use of foreign exchange funds;
6. Information on securing the fulfillment of obligations.
Legal entities whose current accounts are open with other banks, in addition to the above documents, submit documents to the bank for opening a current account.
The decision to issue a loan is considered within 7 days.
To record loans issued to legal entities and individual entrepreneurs, accounts 212 and 213, 232 and 233 groups are used.
Ensuring the fulfillment of obligations under credit agreement reflected on off-balance sheet accounts: 99551 "Pledge, in which the pledged item remains with the pledger"; 99553 "Pledge of goods in circulation"; 99034 "Bank claims on guarantees and sureties".
Interest for using the loan is calculated for the period from the date of the loan to the day preceding the repayment. Interest rate, settlement period and the frequency of interest payments are established by the agreement.
Interest is accrued in accordance with the Rules for calculating interest in banks of the Republic of Belarus, approved by the resolution of the Board of Directors of the National Bank of the Republic of Belarus dated December 29, 2000 N 31.3g (Appendix 76). The procedure for recording operations for the issuance, accrual of interest and repayment of a foreign currency loan (for example, a long-term loan of a commercial organization) is given in Appendix 77.
The branch of OJSC "Belagroprombank" in Smolevichi carries out currency exchange operations with the participation of legal entities and individual entrepreneurs with non-cash foreign currency, as well as individuals with cash foreign currency.
Foreign exchange transactions include:
§ purchase of foreign currency - exchange of Belarusian rubles by banks of the subject currency transactions, bank, non-resident bank in foreign currency according to the established exchange rates;
§ sale of foreign currency - the exchange by banks of foreign currency of a subject of currency transactions, a bank, a non-resident bank for Belarusian rubles at the established exchange rates;
§ conversion of foreign currency - the exchange by banks of one type of foreign currency of a subject of foreign exchange operations, a bank, a non-resident bank for another type of foreign currency at established exchange rates.
When buying foreign currency, the client presents:
Application for the purchase of foreign currency (on paper - 2 copies, in the form of an electronic document - 1 copy);
Copies of documents serving as the basis for the purchase of currency.
When selling - an application for sale (on paper - 2 copies, in the form of an electronic document - 1 copy)
The procedure for performing currency exchange operations with the participation of legal entities and individual entrepreneurs is established by the resolution of the Board of the National Bank of the Republic of Belarus dated July 28, 2005. No. 112 "On Approval of the Instruction on the Procedure for Conducting Foreign Exchange Operations with the Participation of Legal Entities and Individual Entrepreneurs", the Procedure for Conducting Foreign Exchange Operations with Non-Cash Foreign Currency in the OTC Market by the Treasury of OJSC Belagroprombank, approved by the decision of the Board of OJSC Belagroprombank dated 23.12 .2009 N 79 (Appendix 78) and other local regulatory legal acts.
The purchase of currency by the bank on its own behalf and at its own expense is recorded in the accounting in accordance with Ch. 7, 8 The procedure for conducting by the Treasury of OJSC "Belagroprombank" foreign exchange transactions with non-cash foreign currency in the over-the-counter market, approved by the decision of the Board of OJSC "Belagroprombank" dated 23.12.2009 N 79 (Appendix 78).
Banks carry out currency exchange operations with the participation of individuals in exchange offices and cash desks.
The procedure for carrying out currency exchange operations with the participation of individuals, the organization of the work of exchange offices and cash desks are established by the Instruction on the procedure for carrying out currency exchange operations with the participation of individuals and the organization of the operation of exchange offices, cash desks during such operations, approved by the Resolution of the Board of the National Bank of the Republic of Belarus dated 02/01/2011 No. 35 (Appendix 79), local regulatory legal acts of the Bank.
Before the start of the working day, by order of the bank, the rates of purchase, sale, conversion of foreign currency are established and brought to the exchange office (cash desk) (Appendix 80). Installed courses are registered by the cashier in the journal of installed courses.
Purchase, sale, conversion of foreign currency in cash is carried out with the completion by the cashier of the register of purchased foreign currency (Appendix 81), the register of sold foreign currency (Appendix 82), the register of foreign currency conversion (Appendix 83).
At the end of the working day, the cashier draws up a report certificate, attaches registers of the transactions performed for the day and is transferred to the bank to reflect the transactions in the accounting.
The procedure for recording the purchase, sale (conversion) of foreign currency in cash is given in Appendix 84.
Agreement between the bank and customers on the placement of funds and conducting operations with these funds - opening a current account.
Legal entities are obliged open such an account for non-cash payments in the course of its activities.
Individual entrepreneurs, depending on the type of activity may not open settlement accounts in the bank.
Businessman may not open bank account, provided that it:
- pays EN (single tax)
- does not use cash registers and (or) computer systems
- has a gross revenue of up to 1000 base units
You can open an account at any bank. Only you give preference, but here, of course, you should rely on the conditions offered by this or that bank.
What is needed for this?
Legal entities, as well as individual entrepreneurs, in order to open an account, must be submitted to a bank or non-bank financial institution following documents:
- account opening application
- copy of the charter - for a legal entity
- copy of the certificate of state registration - for individual entrepreneurs
Other documents for opening a bank account are not submitted
Opening order
The future client of the bank submits to the bank account opening application... You receive such a statement either at the bank itself or on its website.
This application specifies the data of the organization or entrepreneur, as well as what services you want to use.
The bank certifies the authenticity of the signatures of officials of a legal entity and an individual entrepreneur to confirm the authority to carry out settlements with funds that are in the current account.
That's all, you have opened a bank account, now you can carry out transactions on it.
However, if the account is not opened by you, but by your representative, then a power of attorney, which gives the authority to perform such an action.
After opening an account, your bank will notify you about opening a current account during a working day:
- tax authority
- body of the Federal Social Security Service
What else?
Such conditions will be, for example:
- account maintenance cost
- bank guarantees
- price of a single operation
- internet banking functions
Over the past few years, Belagroprombank has acquired the main features of a diversified credit institution... His clients include not only individuals, but also large enterprises from various industrial sectors. At the moment, interactions with other financial institutions have been well established.
Many people consider deposits of Belagroprombank as an additional source of income. The institution has developed a large number of special programs for them.
"Maximum"
One of the interesting offers for individuals is the maximum irrevocable term deposit. Within its framework, there are no special conditions and benefits for selected categories citizens. The main term depends on the currency in which the account is opened. Interest is added to the principal amount of the deposit or transferred to the account.
Parameters | Currency | |||
Belorussian rubles | Russian rubles | American dollars | Euro | |
Percentage rate | 11,5 | 7,5 | 2,6 | 1,6 |
Minimum amount | 1000 | 30000 | 500 | 500 |
Term in days | 370 | 735 | 735 | 735 |
Account replenishment | Not | there is | ||
Expense transactions | Not provided |
Attention: additionally, see. The institution is the largest in Belarus.
"Maximum Plus"
Of all the deposits of Belagroprombank, this one should be distinguished. Opening an account is done by wire transfer of funds. There are three major currencies available to consumers. Accrued interest is added to the amount that was deposited when the account was opened.
Parameters | Currency | ||
Russian rubles | U.S. dollars | Euro | |
Interest rate | 8 | 3 | 2 |
Minimum amount | 100000 | 1000 | 1000 |
Term in days | 735 | ||
Account replenishment | Is absent | ||
Withdrawals under the program | Impossible |
Important: to find, you need to compare several programs with each other at once, and then choose the offer that implies the highest rate possible.
"@Gro"
To open a deposit, it is proposed to use a remote method. There is no need to visit a bank branch, just go to the website and make a deposit in 5 steps. Dates vary within this program. Consumers can choose the most suitable time frame. As the period increases, the rate rises.
Parameters | Currency | |||
Belorussian rubles | American dollars | Russian rubles | Euro | |
Fixed bet size | 5-8 | 0,7-1,6 | 3-4,1 | 0,2-0,5 |
Minimum amount | 50 | 25 | 2000 | 25 |
Term in days | 35-370 | |||
Refill | Allowed for deposits with a period of 95-370 days | |||
Partial claim of money | Not provided |
"@Gro irrevocable"
Another option with the ability to open remotely. It differs from the previous deposit of Belagroprombank by higher rates. As for the rest of the conditions, they are very similar. However, it should be noted that there is no possibility of replenishing the set in this case.
Parameters | Currency | |||
Belorussian rubles | U.S. dollars | Russian rubles | Euro | |
Bet range | 5,5-11,5 | 0,7-2,6 | 3-6,5 | 0,3-1,8 |
Minimum amount | 50 | 25 | 2000 | 25 |
Term in days | 35-370 | |||
Deposit replenishment | Impossible | |||
Expense transactions | Not allowed |
For your information: not easy to find. There is a huge number of bank offers on the market, which have completely different conditions and rates.
"Standard"
Within the existing deposit interest rate can be variable or fixed. You can choose one of the four available currency units. When opening a deposit for a longer period, it is possible to replenish the account.
Parameters | Currency | |||
Belorussian rubles | Euro | American dollars | Russian rubles | |
Fixed rate | 6-7 | 0,4-1 | 0,6-2,1 | 4,5-5 |
Variable rate | 9,1-11,5 | 0,6-1,8 | 0,9-2,7 | 4,5-6,5 |
Minimum contribution | 50 | 50 | 50 | 3000 |
Term at a fixed rate (in days) | 95-735 | |||
Term at a variable rate (in days) | 95-1110 | |||
Deposit replenishment | Provided only for terms from 735 days | |||
Withdrawing money within the program | Not allowed |
On a note: although the US dollar is not, it is in demand in many countries. This currency unit takes a leading position in terms of liquidity.
“Growth line 3.0. Up to a year "
Considering the deposits of Belagroprombank, one cannot but single out the improved savings program, which opens up new opportunities for clients. The interest on the deposit is paid in cash or by transfer to the specified account.
Parameters | Currency | |||
Belorussian rubles | U.S. dollars | Russian rubles | Euro | |
Deposit rate | 4-7,9 | 0,6-1,2 | 2-4 | 0,1-0,3 |
Minimum contribution | 10 | 10 | 500 | 10 |
Term in days | 35, 95, 185 and 280 | |||
Account replenishment | Available for deposits for a period of 95 days | |||
Conducting expense transactions | No provided |
“Growth line 3.0. Over a year "
The deposit is similar in many respects to the previous option, but the terms in this case are significantly increased. As for interest charges, they are added to the principal amount on a monthly basis or transferred to the account reflected directly in the application.
Parameters | Currency | |||
Rubles RB | U.S. dollars | Russian rubles | Euro | |
Interest rate | 8 | 1,5-2 | 4 | 0,4-0,5 |
Minimum contribution | 10 | 10 | 500 | 10 |
Term in days | 370, 735 or 1110 | |||
Depositing money after opening an account | maybe | |||
Partial withdrawals | Not allowed |
Interesting: the listed deposits can be compared with. The institution for individuals offers special programs with additional opportunities.
"Care"
For older people who receive state benefits and pensions, Belagroprombank offers a special product. The deposit is available for clients at the place of registration of the "Care" pension account. Only Belarusian rubles are used as the base currency.
Basic conditions:
- fixed rate - 7,9% ;
- the minimum available amount is 10 rubles RB;
- the standard storage period for money is 270 days;
- replenishment of the account is possible within 235 days after the opening of the deposit;
- partial claim of funds is permissible.
Additionally: for comparison, you can take. Within the framework of the developed programs, there are quite attractive offers for the bulk of consumers.
"Deposit card"
When registering a deposit account, a plastic masterCard card Standard. Money can be stored on the card as in belarusian rubles, and in US dollars or European currency.
Conditions for opening a deposit:
- rate - 4% when stored in rubles of the Republic of Belarus, 0,7% - in US dollars, 0,1% - In Euro;
- the minimum amount is 100 units for all currencies;
- the card is valid for 315 days;
- term - 360 days;
- replenishment of the account is permissible using a card;
- there is a possibility of partial withdrawal of money.
Summing up
It can be noted that there are a lot of options for opening Belagroprombank deposits, so most consumers will be able to find for themselves optimal solution... Offers with higher rates deserve special attention, since in this case it will be possible to get the highest income.
For many clients, the option with a deposit card may be suitable. With its help, it is allowed to carry out income and expense transactionswhich is very convenient for citizens.
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