“On opening and closing bank accounts, deposits (deposits), deposit accounts” (hereinafter - Instruction No. 153-I). Significant changes in the rules for working with banks new document did not introduce, but only brought them into line with the amendments to the Civil Code of the Russian Federation.

Upon termination of the contract nominal account the bank transfers the balance Money by payment order to another nominal account of the client - the owner of the account or issues it to the beneficiary in cash or (unless otherwise provided by law or the nominal account agreement or follows from the nature of the relationship) transfers by payment order at the direction of the beneficiary to another account. And when terminating the escrow account agreement, unless otherwise provided by the agreement between the client-depositor and the beneficiary, the bank issues the balance of funds on the account to the client-depositor in cash or transfers funds to the client-depositor by a payment order or - if there are grounds for transferring funds to the beneficiary - issues to the beneficiary in cash or transfers funds to the beneficiary by payment order (clause 8.7 of Instruction No. 153-I).

Special rules have also been established for filling out cards with sample signatures and seal imprints. Under an escrow account, the right to sign can be transferred to the beneficiary of the escrow account on the basis of an escrow account agreement, another agreement under which the bank is the escrow agent. In this case, a card is submitted to the bank, for the purpose of issuing which the beneficiary of the escrow account is considered as a client of the bank (clause 7.15 of Instruction No. 153-I).

The order of filling out the card with sample signatures has become more flexible

Unlike the previous instruction, Instruction No. 153-I allows issuing a card with samples of signatures and an imprint of a seal (hereinafter referred to as the card) not only on a form in the form approved by the Central Bank, since the imperative requirement to use such a form has changed to the wording “may be issued according to form." An alternative may be a form approved by the banking rules of a particular credit institution (clause 7.1 of Instruction No. 153-I).

Cases in which the card may not be presented to the bank when opening an account now apply not only to citizens, but also to organizations, and are also supplemented by a new case when neither the depositor of the escrow account nor the beneficiary of the escrow account is entitled to dispose of the funds held on escrow account (clause 1.12

which banking specialists often use in their speech

publication date: 04/26/2013

update date: 04/10/2019

Bankers know very well regulations that govern their activities. These documents are re-read in the bank many times, depending on the complexity of the transactions and the emergence of new ones. Moreover, in Russia, laws, instructions and regulations are constantly undergoing changes, often very significant ones, and documents have to be re-read. And the numbers of these documents are quickly remembered. Behind these numbers stands a whole era of the development of banking in Russia and a huge amount of knowledge that regulates the entire range of banking operations.

In this regard, in order to reduce the mention of any normative act in his speech bank employees they only call the number of the document, without using either its name or what it is about. Dedicated experts absolutely understand what it is about, and what, and why it is mentioned.

In order to introduce the uninitiated into the course of banking, ProfBanking places a list of the main documents regulating banking activity and gives a brief annotation to each normative act.

If you want to see all documents on banking and their texts go to the banking library.

The main regulatory acts regulating banking activities:

395-1 - the main federal law on banks and banking activity, gives the concepts of "credit organization", "bank", "non-banking credit organization", "banking group", "bank holding", "banking operations", "deposit", "depositor", sets the value of the minimum authorized capital jar, qualification requirements to the heads of the bank, contains rules on the registration of credit institutions and their licensing, as well as the grounds for revoking a license from a bank, the specifics of the reorganization and liquidation of banks. This law, of course, should be known to every bank employee.

Federal Law No. 395-1 dated December 2, 1990 "On Banks and Banking Activities"

86-FZ– Law on the Central Bank Russian Federation, establishes the functions of the Central Bank of the Russian Federation, describes the management bodies of the Bank of Russia, the reporting requirements of the Bank of Russia, determines monetary unit Russia, main tools and methods monetary policy, the rights of the Central Bank of the Russian Federation to carry out certain operations, and also concerns the norms of banking regulation and banking supervision. Every bank employee should know this law.

Official details of the normative act:

Federal Law No. 86-FZ dated July 10, 2002 "On the Central Bank of the Russian Federation (Bank of Russia)"

579-P– Chart of accounts accounting in the bank and the rules for recording transactions in the bank's accounting (until April 03, 2017, Regulation No. 385-P was applied, but it was canceled).

Official details of the normative act:

Regulation of the Central Bank of the Russian Federation No. 579-P dated February 27, 2017 “On Chart of Accounts for Credit Institutions and the Procedure for Its Application »

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153-I- the most important document on the rules for opening and closing all types of bank accounts opened by individuals, legal entities, entrepreneurs: current, settlement, correspondent and other accounts. The instruction also applies to accounts for recording deposits (deposits) and deposit accounts of courts, divisions of the service bailiffs, law enforcement agencies and notaries. The instruction contains a list of documents required for opening each account, requirements for conducting a client's legal affairs, issuing a card with sample signatures and a seal imprint.

Official details of the normative act:

Instruction of the Central Bank of the Russian Federation No. 153-I dated May 30, 2014 "On opening and closing bank accounts, accounts for deposits (deposits), deposit accounts"

161-FZ– law on the national payment system. This law is a new round in the development of the settlement system in the Russian Federation. It establishes the legal and organizational foundations of the national payment system, regulates the procedure for the provision of payment services, including the transfer of funds, the use of electronic means of payment, the activities of the subjects of the national payment system, and also determines the requirements for the organization and functioning of payment systems, the procedure for supervision and monitoring in the national payment system.

Official details of the normative act:

Federal Law No. 161-FZ of June 27, 2011 "On the National Payment System"

383-P– Regulations of the Central Bank of the Russian Federation, establishing the rules for the transfer of funds by credit institutions in Russian rubles through bank accounts and without opening bank accounts. Regulation No. 383-P was developed on the basis of Law 161-FZ “On the National Payment System” and establishes the following forms of non-cash payments: payments by payment orders; by letter of credit; collection orders; checks; direct debit; in the form of an electronic money transfer.

Money transfers can be executed by orders in the form of: payment order, collection order, payment request, payment order. The forms of these documents are given in the annexes to Regulation 383-P.

Official details of the normative act:

Regulation of the Central Bank of the Russian Federation No. 383-P dated 06/19/2012 "On the rules for the transfer of funds"

180-I- one of the most important Instructions of the Central Bank of the Russian Federation, which establishes the methodology for calculating the mandatory ratios of banks. The instruction establishes 12 mandatory ratios, each of which must be observed by the bank on a daily basis (until July 28, 2017, Instruction No. 139-I was applied, but it was canceled).

Official details of the normative act:

Instruction of the Central Bank of the Russian Federation No. 180-I dated 06/28/2017 "On the mandatory ratios of banks"

595-P– Regulation that governs the rules for participants in the payment system of the Bank of Russia (PS BR). In addition, Regulation 595-P introduced a new BIC structure and the procedure for assigning it, but for existing banks, the BIC remains the same.

Official details of the normative act:

Regulation of the Central Bank of the Russian Federation No. 595-P dated July 6, 2017 "On the payment system of the Bank of Russia"

507-P– regulation on FOR (FOR - required reserves fund): how to calculate the amount of required reserves, the procedure for regulating the FOR, the procedure for compiling and submitting to the Bank of Russia a calculation of required reserves.

Official details of the normative act:

Regulation of the Central Bank of the Russian Federation No. 507-P dated December 1, 2015 "On the required reserves of credit institutions"

590-P– one of the most important and complex regulations of the Bank of Russia; establishes the procedure for classifying loans into quality categories, taking into account financial position the borrower and the quality of his debt service, determines the limits of the size of the estimated reserve as a percentage of the principal debt, the features of the formation of the reserve for loans for portfolios of homogeneous loans, the procedure for writing off by the bank bad debt on loans. Required document for working with loans, discounted promissory notes, securities under transactions with deferred payment or delivery, factoring claims

Official details of the normative act:

Regulation of the Central Bank of the Russian Federation No. 590-P dated June 28, 2017 "Regulation on the procedure for the formation by credit institutions of reserves for possible losses on loans, on loan and equivalent debt"

611-P- a document on the classification of other (not related to loans under 590-P) elements of the calculation base in order to form a reserve for possible losses.

Official details of the normative act:

Regulation of the Central Bank of the Russian Federation No. 611-P dated October 23, 2017 “On the procedure for the formation of reserves for possible losses by credit institutions”

4927-U Do you know that every commercial Bank submits to the Bank of Russia several dozens of various reports on its activities on a quarterly, monthly, ten-day, daily basis? This document establishes reporting forms for credit institutions. A very voluminous piece of legislation. It contains not only report forms, but also the procedure for compiling and submitting each report.

Official details of the normative act:

Bank of Russia Ordinance No. 4927-U dated October 8, 2018 “On the List, Forms and Procedure for Compiling and Submitting Reporting Forms of Credit Institutions to the Central Bank of the Russian Federation”

646-P– establishes a methodology for determining the amount of a bank's capital, taking into account international approaches to increasing the stability of the banking sector (“Basel III”). Value own funds(capital), determined in accordance with Regulation 646-P, is used to determine the values ​​of mandatory ratios, as well as in other cases when the index of own funds of a credit institution is used to determine the value of prudential performance standards.

Official details of the normative act:

Regulation of the Central Bank of the Russian Federation No. 646-P dated July 4, 2018 “On the Methodology for Determining Equity (Capital) of Credit Institutions (BASEL III)”

178-I– establishes the size (limits) of open currency positions, the methodology for their calculation and the specifics of the implementation of supervision over their observance.

Official details of the normative act:

Instruction of the Bank of Russia No. 178-I dated December 28, 2016 “On establishing the size (limits) of open currency positions, the methodology for their calculation and the specifics of supervising their compliance by credit institutions”

148-I– a normative act concerning the issue of shares and bonds commercial banks, preparation of the prospectus of securities, registration of the issue of securities by banks.

Official details of the normative act:

Instruction of the Central Bank of the Russian Federation No. 148-I dated December 27, 2013 "On the Procedure for Implementing the Procedure for Issuing Securities of Credit Institutions on the Territory of the Russian Federation"

135-I- a large and complex normative act relating to issues state registration banks and issuance of licenses to them. This document is well known legal service bank and bank management. Describes all kinds banking licenses, General requirements to the founders of the bank, to the list of documents submitted to the Central Bank of the Russian Federation for obtaining licenses, to the opening and closing of branches by banks, to the reorganization of the bank.

Official details of the normative act:

Instruction of the Central Bank of the Russian Federation No. 135-I dated April 2, 2010 “On the procedure for the Bank of Russia to make a decision on the state registration of credit institutions and the issuance of licenses for banking operations”

242-P– a document on internal control in a bank, for which a system is needed internal control in a bank, how to organize it.

Official details of the normative act:

Regulation of the Central Bank of the Russian Federation No. 242-P of December 16, 2003 "Regulation on the organization of internal control in credit institutions and banking groups"

115-FZ– a federal law aimed at creating a mechanism for combating the legalization of proceeds from crime and the financing of terrorism. In addition to the unusual functions available to banks, this law added another one - the function of mandatory control over dubious transactions with the obligation to provide information about them to Rosfinmonitoring. Since the adoption of the law in 2001, a lot has changed in the work of banks: full-fledged internal services have appeared that deal only with issues of counteracting legalization, voluminous internal documents of the bank on counteracting legalization have been written, questionnaires have been developed for customers, for beneficiaries, special software systems and communication channels have been introduced. .

Official details of the normative act:

Federal Law No. 115-FZ of 08/07/2001 "On counteracting the legalization (laundering) of proceeds from crime and the financing of terrorism"

499-P- this is the procedure for identifying customers in order to comply with the norms of the law 115-FZ.

Official details of the normative act:

Regulation of the Central Bank of the Russian Federation No. 499-P of 10/15/2015 "On the identification by credit institutions of clients, representatives of clients, beneficiaries and beneficial owners in order to counteract the legalization (laundering) of proceeds from crime and the financing of terrorism"

39-FZ– the main regulatory act on the securities market and activities professional participants securities market; the law establishes the concepts of "emission security", "share", "bond", "issuer option", "issuer", "registered emissive securities”, “documentary form”, “non-documentary form”, “state registration number of the issue”, “public offering of securities”, “listing of securities”, “broker activity”, “dealer activity”, “security management activity”, "depository activities" and others.

Official details of the normative act:

Federal Law No. 39-FZ of April 22, 1996 "On the Securities Market"

Geneva Convention or (Convention of Exchange)- an international normative act concluded in Geneva in 1930, which entered into force for the USSR in 1937 and by succession extends to Russia. Refers to special bill of exchange legislation and establishes uniform norms and requirements for the execution of bills of exchange and bill circulation for states that have acceded to the Convention. Despite the fact that bill relations in Russia are regulated not so much by the Geneva Conventions as by the Decree of the Central Executive Committee and the Council of People's Commissars of the USSR dated August 07, 1937 No. promissory note”, practically repeating the norms of the Geneva Convention, to work with bills of exchange it is necessary to know both documents very well.

Official details of the normative act:

645-P– rules for issuing and issuing deposit and savings certificates by banks, also includes a requirement for mandatory registration of the conditions for issuing savings and deposit certificates of credit organizations with the Bank of Russia.

Official details of the normative act:

Bank of Russia Regulation No. 645-P, dated July 3, 2018, “On Savings and Deposit Certificates of Credit Institutions”

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173-FZ- the law on the monetary policy of Russia, introduces the concepts of "domestic securities", "external securities", "residents", "non-residents", " currency operations”and consolidates the basic principle of currency legislation: “everything is prohibited, except for what is expressly permitted.” A very important law for banks, since banks are entrusted with the function of currency control agents.

Official details of the normative act:

Federal Law No. 173-FZ of December 10, 2003 "On Currency Regulation and Currency Control"

177-FZ– law on deposit insurance in banks, defines the basic principles of deposit insurance, participants in the insurance system, which deposits are insured, an insured event, the amount of compensation for deposits in a bank, the competence of the Deposit Insurance Agency, requirements for banks participating in the deposit insurance system, the procedure for calculating and payment by banks of insurance premiums to the Agency's account with the Bank of Russia.

Official details of the normative act:

Federal Law No. 177-FZ of December 23, 2003 "On insurance of deposits in banks of the Russian Federation"

630-P- determines the order of conduct cash transactions banks with cash rubles when carrying out banking operations and other transactions, the procedure for working with those who raise doubts about solvency banknotes of the Bank of Russia, insolvent banknotes of the Bank of Russia, the presence of signs of forgery of which is not in doubt by the cash worker of a credit institution, and also establishes the rules for the storage, transportation and collection of cash in credit institutions in the territory of the Russian Federation.

Official details of the normative act:

Regulation of the Bank of Russia No. 630-P dated January 29, 2018 “On the procedure for conducting cash transactions and the rules for storing, transporting and collecting banknotes and coins of the Bank of Russia in credit institutions in the Russian Federation”

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2054-U– establishes the procedure for conducting cash transactions in authorized banks with banknotes of foreign states.

Official details of the normative act:

Instruction of the Central Bank of the Russian Federation No. 2054-U dated August 14, 2008 "On the procedure for conducting cash transactions with foreign currency in cash in authorized banks in the territory of the Russian Federation"

266-P– establishes the procedure for issuing on the territory of the Russian Federation bank cards credit institutions and the specifics of carrying out transactions with payment cards, the issuer of which may be a credit institution, foreign bank or a foreign organization.

Official details of the normative act:

Regulation of the Central Bank of the Russian Federation No. 266-P of December 24, 2004 "On the issue of payment cards and on operations performed using them"

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A REAL GEM IN THE SEA OF BANKING RATES

On the basis of the Federal Law of July 10, 2002 No. 86-FZ “On the Central Bank of the Russian Federation (Bank of Russia)” (Collected Legislation of the Russian Federation, 2002, No. 28, Article 2790; 2003, No. 2, Article 157; No. 52 5032; 2004, No. 27, item 2711; No. 31, item 3233; 2005, No. 25, item 2426; No. 30, item 3101; 2006, No. 19, item 2061; No. 25, item 2648; 2007, No. 1, item 9, item 10; No. 10, item 1151; No. 18, item 2117; 2008, No. 42, item 4696, item 4699; No. 44, item 4982; No. 52, item 6229, item 6231; 2009, No. 1, item 25; No. 29, item 3629; No. 48, item 5731; 2010, No. 45, item 5756; 2011, No. 7, item 907; No. 27, item 3873; No. 43, item 5973; No. 48, item 6728; 2012, No. 50, item 6954; No. 53, item 7591, item 7607; 2013, No. 11, item 1076; No. 14, item 1649; No. 19, item 2329; No. 27, item 3438, item 3476, item 3477; No. 30, item 4084; No. 49, item 6336; No. 51, item 6695, article 6699; No. 52, article 6975; 2014, No. 19, article 2311, article 2317), Federal Law “On Banks and Banking Activity” (as amended by Federal Law No. 17-FZ of February 3, 1996 ) (Vedomosti Congress on native deputies of the RSFSR and the Supreme Soviet of the RSFSR, 1990, No. 27, Art. 357; Collection of Legislation of the Russian Federation, 1996, No. 6, Art. 492; 1998, no. 31, art. 3829; 1999, no. 28, art. 3459, Art. 3469; 2001, no. 26, art. 2586; No. 33, art. 3424; 2002, no. 12, art. 1093; 2003, no. 27, art. 2700; No. 50, art. 4855; No. 52, Art. 5033, Art. 5037; 2004, no. 27, art. 2711; No. 31, Art. 3233; 2005, no. 1, art. 18, art. 45; No. 30, Art. 3117; 2006, no. 6, art. 636; No. 19, Art. 2061; No. 31, Art. 3439; No. 52, Art. 5497; 2007, no. 1, art. nine; No. 22, art. 2563; No. 31, art. 4011; No. 41, Art. 4845; No. 45, Art. 5425; No. 50, art. 6238; 2008, no. 10, art. 895; 2009, no. 1, art. 23; No. 9, art. 1043; No. 18, art. 2153; No. 23, art. 2776; No. 30, art. 3739; No. 48, Art. 5731; No. 52, Art. 6428; 2010, no. 8, art. 775; No. 27, art. 3432; No. 30, art. 4012; No. 31, art. 4193; No. 47, Art. 6028; 2011, no. 7, art. 905; No. 27, Art. 3873, Art. 3880; No. 29, Art. 4291; No. 48, art. 6728, Art. 6730; No. 49, art. 7069; No. 50, art. 7351; 2012, no. 27, art. 3588; No. 31, Art. 4333; No. 50, Art. 6954; No. 53, Art. 7605, art. 7607; 2013, no. 11, art. 1076; No. 19, art. 2317, Art. 2329; No. 26, Art. 3207; No. 27, Art. 3438, Art. 3477; No. 30, art. 4084; No. 40, art. 5036; No. 49, art. 6336; No. 51, art. 6683, art. 6699; 2014, no. 6, art. 563; No. 19, Art. 2311, art. 2317) (hereinafter referred to as the Federal Law “On Banks and Banking Activities”), Federal Law No. 115-FZ of August 7, 2001 “On Counteracting the Legalization (Laundering) of Proceeds from Crime and the Financing of Terrorism” (Collected Legislation of the Russian Federation, 2001, no. 33, art. 3418; 2002, no. 30, art. 3029; No. 44, Art. 4296; 2004, no. 31, art. 3224; 2005, no. 47, art. 4828; 2006, no. 31, art. 3446, Art. 3452; 2007, no. 16, art. 1831; No. 31, art. 3993, art. 4011; No. 49, art. 6036; 2009, no. 23, art. 2776; No. 29, Art. 3600; 2010, no. 28, art. 3553; No. 30, art. 4007; No. 31, art. 4166; 2011, no. 27, art. 3873; No. 46, Art. 6406; 2012, no. 30, art. 4172; No. 50, art. 6954; 2013, no. 19, art. 2329; No. 26, Art. 3207; No. 44, Art. 5641; No. 52, Art. 6968; 2014, no. 19, art. 2315, Art. 2335) (hereinafter Federal Law No. 115-FZ), part two of the Civil Code of the Russian Federation (Sobraniye Zakonodatelstva Rossiyskoy Federatsii, 1996, No. 5, Art. 410) and in accordance with the decision of the Board of Directors of the Bank of Russia (minutes of the meeting of the Board of Directors of the Bank of Russia dated May 29, 2014 No. 18) The Bank of Russia establishes the procedure for opening and closing in the Russian Federation by credit institutions, the Bank of Russia (hereinafter referred to as banks) bank accounts, deposit accounts (hereinafter referred to as accounts) for legal entities, individuals, individual entrepreneurs, individuals, engaged in private practice in accordance with the procedure established by the legislation of the Russian Federation, as well as courts, divisions of the bailiff service, law enforcement agencies (hereinafter referred to as clients) in the currency of the Russian Federation and foreign currencies.

This Instruction does not apply to the procedure for opening and closing accounts opened in accordance with the legislation of the Russian Federation on elections and a referendum, accounts opened in separate divisions of credit institutions located outside the territory of the Russian Federation, established in accordance with the legislation of the Russian Federation, as well as accounts, opened on other grounds other than a bank account agreement, deposit (deposit), deposit account.

Chapter 1.
General provisions

1.1. Opening of accounts for clients is carried out by banks, provided that the clients have legal capacity (capacity).

In accordance with paragraph 5 of Article 7 of Federal Law No. 115-FZ, credit institutions are prohibited from opening bank accounts, deposits accounts for individuals without the personal presence of the person opening the bank account (deposit account), or his representative.

Operations on accounts of the corresponding type (account mode) are regulated by the legislation of the Russian Federation and are carried out in accordance with the procedure established by it.

1.2. The basis for opening an account is the conclusion of an account agreement of the appropriate type and the submission before opening an account of all documents and information specified by the legislation of the Russian Federation, provided that, in order to comply with Federal Law No. 115-FZ:

identification of the client, his representative, beneficiary;

reasonable and affordable measures have been taken in the circumstances to identify beneficial owners, with the exception of cases provided for by Federal Law No. 115-FZ, when the identification of beneficial owners is not carried out.

A credit institution, on the basis of paragraph 5 of Article 7 of Federal Law No. 115-FZ, refuses to conclude a bank account, deposit (deposit), deposit account agreement with a client if the documents necessary to identify the client and the client's representative are not submitted.

In accordance with paragraph two of clause 5.2 of Article 7 of Federal Law No. 115-FZ, if there are suspicions that the purpose of opening an account is to carry out operations for the purpose of legalizing (laundering) proceeds from crime or financing terrorism, a credit institution, in accordance with the rules internal control considers the existence of grounds for refusing to conclude an account agreement of the corresponding type.

Several accounts may be opened for the client on the basis of one account agreement of the corresponding type, if this is provided for by the agreement concluded between the bank and the client.

1.3. The opening of an account is completed, and the account is open with an entry about the opening of the corresponding personal account in the Registration Book open accounts.

An entry on the opening of a personal account must be made in the Book of Registration of Open Accounts no later than the business day following the day of conclusion (or entry into force) of the account agreement of the corresponding type. The specified entry may be made in the Book of Registration of Open Accounts simultaneously with the conclusion of an account agreement of the corresponding type.

In case of opening an account for a client under one agreement, which provides for the possibility of opening several accounts on the basis of an additional request from the client to open an account, an entry on the opening of the corresponding personal account must be entered in the Book of Registration of Open Accounts no later than the business day following the day the bank receives the client’s request about opening an account. If the client's request to open an account contains an indication of a specific account opening date, an entry on the opening of the corresponding personal account must be entered in the Open Accounts Registration Book no later than the business day following such date, but not earlier than the day the bank receives the client's request to open accounts. The bank is obliged to have documentary evidence of receipt of the client's request to open an account, the methods of fixing which are determined by the bank in banking rules and/or contract.

The reason for closing an account is the termination of the account agreement of the corresponding type in the manner and in the cases provided for by the legislation of the Russian Federation or by agreement of the parties.

Closing of an account is carried out by making an entry on the closure of the corresponding personal account in the Book of Registration of Open Accounts.

In the event of closing one of the accounts opened under one agreement concluded between the bank and the client, an entry on the closure of the corresponding personal account must be made in the Book of Registration of Open Accounts no later than the business day following the day the bank receives the client's application to close the account, if the legislation of the Russian Federation does not provide otherwise. If the client's application for closing an account contains an indication of a specific date for closing an account, an entry on the closure of the corresponding personal account must be made in the Book of Registration of Open Accounts no later than the business day following such a date, but not earlier than the day the bank receives the client's application for closing accounts. The bank is obliged to have documentary evidence of receipt of the client's application to close the account, the methods of fixing which are determined by the bank in the banking rules and (or) the agreement.

The entry into the Book of Registration of Open Accounts of an entry on the closure of a personal account in connection with a change in the number of a personal account due to the requirements of the legislation of the Russian Federation, as well as the regulations of the Bank of Russia (in particular, due to the reorganization of a client or a credit institution servicing him, a change in the procedure accounting, changes in the Chart of Accounts).

Entries in the Book of Registration of Open Accounts shall be made in accordance with the procedure established by the legislation of the Russian Federation and banking rules.

1.4. In order to organize the work of opening and closing accounts, a credit institution shall adopt banking rules in accordance with Chapter 11 of this Instruction.

From among its employees, the bank determines the officials responsible for working with clients on opening and closing accounts for clients (hereinafter referred to as the bank's officials), having established for them the appropriate official rights and duties with which they must be familiarized against signature.

1.5. Bank officials accept the documents required to open an account of the appropriate type, check the proper execution of documents, the completeness of the information provided and their reliability in the cases and in the manner established by this Instruction, on the basis of the documents received, check whether the client has legal capacity (capacity), as well as perform other functions provided for by this Instruction, banking rules and job description. For these purposes, bank officials interact with customers and their representatives, request and receive the necessary information.

Bank officials may be authorized to identify a client, client representative, beneficiary, take reasonable and accessible measures in the circumstances to identify the beneficial owner.

Bank officials may be authorized to draw up, in the manner prescribed by paragraph 7.10 of this Instruction, a card with samples of signatures and seal imprints (hereinafter referred to as the card).

1.6. A credit institution is obliged to update the information obtained when identifying customers, customer representatives, beneficiaries and beneficial owners in the manner prescribed by the legislation of the Russian Federation.

1.7. Before opening an account, the bank must establish whether the person applying for opening an account is acting on his own behalf or on behalf of another person who will be a client.

If the person who applied to open an account is a representative of the client, the bank is obliged to establish the identity of the client's representative, as well as obtain documents confirming that he has the appropriate authority.

The bank must also establish the identity of the person (persons) endowed with the right to sign, as well as the person (persons) authorized (authorized) to dispose of the funds on the account, using an analogue of a handwritten signature, codes, passwords and other means confirming the existence the specified powers (hereinafter referred to as the analogue of a handwritten signature).

1.8. The bank is obliged to have copies of documents proving the identity of the client, as well as persons whose identity must be established when opening an account, or information about their details: series and number of the document, date of issue of the document, name of the authority that issued the document, and unit code (if any) (hereinafter - the details of the identity document).

When making a copy of an identity document, it is allowed to copy individual pages containing required by the bank intelligence.

Information established by the bank prior to opening an account, including information about the client, his representative, beneficiary and beneficial owner, must be documented in accordance with the requirements established by the legislation of the Russian Federation.

1.9. In case of changes in the information to be established when opening an account, customers are required to submit to the bank Required documents(their copies), confirming the change in this information.

1.10. The Bank is obliged to systematically update information about customers to be identified when opening an account, as well as about persons whose identity must be identified when opening an account, in the manner prescribed by banking rules.

1.11. To open an account, the original documents or their copies, certified in accordance with the procedure established by the legislation of the Russian Federation, are submitted to the bank.

In the cases provided for in the banking rules, documents submitted by a client - a legal entity when opening an account, may be certified in the manner prescribed by sub-clause 1.11.1 of this clause. In the cases provided for in the banking rules, a bank official (another person authorized by the bank) may make and certify copies of the documents submitted when opening an account in the manner prescribed by sub-clause 1.11.2 of this clause.

1.11.1. Copies of documents certified by a client - a legal entity, are accepted by the bank, provided that the official of the bank (another person authorized by the bank) establishes their compliance with the original documents. A copy of the document, certified by a client - a legal entity, must contain the last name, first name, patronymic (if any), the title of the position of the person who certified the copy of the document, as well as his own signature, the date of certification and the seal (if it is absent - a stamp) of the client.

On received from the client - legal entity of a copy of the document made by him, an official of the bank or another person authorized by the bank, who is an employee of the bank, puts a mark “verified with the original”, indicates his last name, first name, patronymic (if any), position or details of an identity document, and also affixes his own signature , date of certification and imprint of the seal or stamp established for these purposes by the bank.

On the copy of the document received from the client - a legal entity, another person authorized by the bank, who is not an employee of the bank, puts the mark “verified with the original”, indicates his last name, first name, patronymic (if any), details of the identity document, and also puts down handwritten signature, date of certification and imprint of the seal or stamp established for these purposes by the bank.

1.11.2. An official of the bank (another person authorized by the bank) has the right to certify copies of the documents submitted by the client (his representative) for opening an account, both on paper and in in electronic format. Copies of the documents submitted by the client (his representative) for opening an account can be made by a bank official (another person authorized by the bank) in electronic form and certified by an analogue of his handwritten signature in the manner and cases established by the bank in banking regulations.

An official of the bank or another person authorized by the bank, who is an employee of the bank, puts on a copy of the document on paper the mark “correct copy” and indicates his last name, first name, patronymic (if any), position or details of an identity document, and also puts down his own handwritten signature, date of certification and imprint of the seal or stamp established for these purposes by the bank.

Another person authorized by the bank, who is not an employee of the bank, puts the mark “correct copy” on the copy of the document and indicates his last name, first name, patronymic (if any), details of the identity document, and also puts his own signature, date of certification and an imprint of the seal or stamp established for these purposes by the bank.

1.11.3. In the cases provided for in banking rules, in order to open an account of a client - a legal entity, a certified extract from internal documents generated in its activities, or a certified extract from documents directly related to the activities of this client - a legal entity and formed in the activities of legal entities (authorities) in charge of (which is subordinate to) the client - a legal entity.

An extract from internal documents generated in the activities of a client - a legal entity, can be certified in the manner prescribed by the legislation of the Russian Federation, or certified by a client - a legal entity indicating the last name, first name, patronymic (if any), position of the person who certified the extract, as well as with affixing his handwritten signature, date of certification and seal (in its absence - a stamp) of the client - a legal entity.

An extract from documents that are directly related to the activities of a client - a legal entity and formed in the activities of legal entities (authorities) in charge of (which has jurisdiction over) a client - legal entity, can be certified in the manner prescribed by the legislation of the Russian Federation, or certified a legal entity (authority) in charge of (which is subordinate to) the client, indicating the last name, first name, patronymic (if any), position of the person who certified the extract, as well as affixing his own signature, date of certification and seal imprint (if its absence - a stamp) of a legal entity (authority), unless a different procedure for certifying an extract from documents is determined by the relevant legal entity (authority).

1.12. In order to open an account, the client is obliged to submit the documents provided for by this Instruction, as well as other documents in cases where the legislation of the Russian Federation requires the opening of an account by the presence of documents not specified in this Instruction. The Bank has the right not to require the submission of those documents that are in the client's legal file, formed in accordance with Chapter 10 of this Instruction.

The client's representative, persons authorized to manage the funds on the account using an analogue of a handwritten signature, and persons entitled to sign are required to submit an identity document, as well as documents confirming the existence of appropriate powers.

In the cases and in the manner provided for in the banking rules, the card may not be presented when opening an account, provided that:

the agreement stipulates that transactions on the account are carried out solely on the basis of the order of the client (the beneficiary of the escrow account), and the orders necessary for conducting a banking operation are drawn up and signed by the bank;

the agreement stipulates that the disposal of funds on the account is carried out exclusively using an analogue of a handwritten signature;

a current account is opened for an individual to carry out transactions exclusively with the use of an electronic means of payment;

Neither the depositor of the escrow account nor the beneficiary of the escrow account has the right to dispose of the funds in the escrow account.

In the cases established by this Instruction, instead of a card, an album of specimen signatures of persons authorized to dispose of the funds on the account (hereinafter referred to as the album) may be submitted in the form established by the agreement or customs.

1.13. All documents submitted to open an account must be valid on the date of their submission.

Documents drawn up in full or in any part in a foreign language (with the exception of documents proving the identity of individuals issued by the competent authorities of foreign states, drawn up in several languages, including Russian), are submitted to the bank with a duly certified translation into Russian language.

Documents issued by the competent authorities of foreign states, confirming the status of legal entities - non-residents, are accepted by the bank subject to their legalization in the prescribed manner or without their legalization in cases stipulated by international treaties of the Russian Federation.

The requirement to submit documents to the bank with a duly certified translation into Russian does not apply to documents issued by the competent authorities of foreign states proving the identity of individuals, provided that the individual has a document confirming the right of legal stay (residence) on the territory of the Russian Federation.

In the cases and in accordance with the procedure provided for in the banking rules, an official of the bank (another employee of the bank) who has (has) a degree (qualification) that provides for the possibility of performing the functions of an interpreter in the relevant foreign language (s) is entitled to carry out for use in the bank translation into Russian of documents required for submission to the bank in order to open an account, drawn up in a foreign language. The translation must be signed by the person who made the translation, indicating his position or details of the document proving his identity, last name, first name, patronymic (if any) and his degree (qualification).

1.14. Documents (their copies) collected by the bank for opening an account are placed in a legal file, formed in accordance with the requirements established by Chapter 10 of this Instruction.

Documents (their copies) in electronic form on the issues of opening an account are stored in the manner prescribed by the banking rules, with the requirements of paragraph 10.6 of this Instruction.

Chapter 2
Account types

2.1. Banks open in the currency of the Russian Federation and foreign currencies: current accounts; settlement accounts; budget accounts; correspondent accounts; correspondent sub-accounts; accounts trust management; special bank accounts; deposit accounts of courts, units of the bailiff service, law enforcement agencies, notaries; deposit accounts.

2.2. Current accounts are opened for individuals to perform transactions not related to entrepreneurial activity or private practice.

2.3. Settlement accounts are opened for legal entities that are not credit institutions, as well as individual entrepreneurs or individuals engaged in private practice in accordance with the procedure established by the legislation of the Russian Federation, for performing transactions related to entrepreneurial activity or private practice. Settlement accounts are opened for representative offices of credit institutions, as well as for non-profit organizations to carry out transactions related to the achievement of the goals for which non-profit organizations were created.

2.4. Budget accounts are opened in cases established by the legislation of the Russian Federation for legal entities that carry out operations with budget funds budget system Russian Federation.

2.5. Correspondent accounts are opened for credit institutions, as well as other organizations in accordance with the legislation of the Russian Federation or an international agreement. The Bank of Russia opens correspondent accounts in foreign currencies.

2.6. Correspondent sub-accounts are opened for branches of credit institutions.

2.7. Trust management accounts are opened for a trust manager to carry out transactions related to trust management activities.

2.8. Special bank accounts, including special bank accounts of a bank payment agent, a bank payment sub-agent, a payment agent, a supplier, a trading bank account, a clearing bank account, a payment system guarantee fund account, a nominal account, an escrow account, a collateral account, a debtor’s special bank account , are opened to legal entities, individuals, individual entrepreneurs, individuals engaged in private practice in accordance with the procedure established by the legislation of the Russian Federation, in cases and in the manner established by the legislation of the Russian Federation for the implementation of the operations of the corresponding type provided for by it.

2.9. Deposit accounts of courts, divisions of the bailiff service, law enforcement agencies, notaries are opened respectively for courts, divisions of the bailiff service, law enforcement agencies, notaries for crediting funds received for temporary disposal, when they carry out activities established by the legislation of the Russian Federation and in accordance with the legislation of the Russian Federation cases.

2.10. Accounts on deposits (deposits) are opened respectively for individuals and legal entities to account for funds placed in banks in order to receive income in the form of interest accrued on the amount of placed funds.

Chapter 3
Opening a current account for an individual

3.1. To open a current account for an individual - a citizen of the Russian Federation, the following are submitted to the bank:

d) certificate of registration in tax authority(in the presence of).

3.2. To open a current account for an individual - a foreign citizen or a stateless person, the documents specified in paragraph 3.1 of this Instruction are submitted, as well as migration card and (or) a document confirming the right of a foreign citizen or stateless person to stay (residence) in the Russian Federation, if their availability is provided for by the legislation of the Russian Federation.

Chapter 4
Opening bank accounts for a legal entity, an individual entrepreneur, an individual engaged in private practice in accordance with the procedure established by the legislation of the Russian Federation

4.1. To open a current account for a legal entity established in accordance with the legislation of the Russian Federation, the following must be submitted to the bank:

b) constituent documents of a legal entity. Legal entities operating on the basis of a model charter approved by the Government of the Russian Federation; operating on the basis of model regulations on organizations and institutions of the corresponding types and types, approved by the Government of the Russian Federation, and charters developed on their basis; operating on the basis of a model provision and a charter, submit the said documents. Bodies of state power of the Russian Federation, bodies of state power of subjects of the Russian Federation, bodies local government represent legislative and other regulatory legal acts decisions taken in accordance with the procedure established by the legislation of the Russian Federation on their creation and legal status;

c) licenses (permits) issued to a legal entity, if these licenses (permits) are directly related to the client's legal capacity to conclude an agreement on the basis of which an account is opened;

d) card (except for the cases provided for in paragraph 1.12 of these Instructions);

e) documents confirming the powers of the persons indicated in the card to dispose of the funds on the account, and in the case when the agreement provides for the certification of the rights to dispose of the funds on the account using an analogue of a handwritten signature, documents confirming the powers of persons, entitled to use an analogue of a handwritten signature;

f) documents confirming the powers of the sole executive body of the legal entity;

g) a certificate of registration with a tax authority or a document issued by a tax authority in cases stipulated by the legislation of the Russian Federation for the purpose of opening an account.

4.2. To open a current account for a legal entity, a correspondent account of a credit institution established in accordance with the legislation of a foreign state and located outside the territory of the Russian Federation, the following shall be submitted to the bank:

a) the documents provided for in subparagraphs "c", "e", "f" and "g" of paragraph 4.1 of these Instructions;

b) documents confirming the legal status of a legal entity under the laws of the country in whose territory this legal entity is established, in particular, documents confirming its state registration;

c) a card (except for the cases provided for in clause 1.12 of this Instruction).

To open a correspondent account for a credit institution established in accordance with the laws of a foreign state and located outside the territory of the Russian Federation, the bank has the right to accept an album instead of a card. Establishing the identity of the persons indicated in the album, as well as persons authorized to dispose of the funds on the correspondent account, using an analogue of a handwritten signature, is not required, unless otherwise specified by the bank in the banking rules.

In order to open a correspondent account for a central (national) bank of a foreign state, the bank shall submit legislative and (or) other regulatory legal acts on its legal status, an album, as well as a document stipulated by subparagraph “g” of paragraph 4.1 of this Instructions, if in accordance with the legislation of the Russian Federation it must be received.

4.3. To open a current account for a legal entity established in accordance with the legislation of the Russian Federation, for the performance of operations by its separate subdivision (branch, representative office), the following are submitted to the bank:

a) the documents specified in paragraph 4.1 of these Instructions;

b) provision on a separate subdivision of a legal entity;

c) documents confirming the authority of the head separate subdivision legal entity;

d) a document confirming the registration of the legal entity with the tax authority at the location of its separate subdivision.

4.4. To open a current account for a legal entity established in accordance with the legislation of a foreign state and located outside the territory of the Russian Federation, for the performance of operations by its separate subdivision (branch, representative office), the following are submitted to the bank:

a) documents provided for in clause 4.2 of this Instruction;

b) the documents provided for in subparagraphs “b” and “c” of paragraph 4.3 of these Instructions.

In the cases stipulated by the legislation of the Russian Federation, documents are also submitted evidencing that an entry has been made in the consolidated State Register representative offices accredited in the Russian Federation foreign companies or the state register of branches of foreign legal entities accredited in the territory of the Russian Federation.

4.5. To open a current account, the embassy, ​​consulate, as well as other diplomatic and equivalent representation of a foreign state, the documents provided for in subparagraphs “d”, “e” and “g” of paragraph 4.1 of this Instruction are submitted to the bank.

In order to open a current account, a diplomatic mission and an equivalent representative office of a foreign state must additionally submit documents confirming the status of the representative office.

4.6. To open a current account international organization an international agreement, charter or other similar document confirming the status of the organization, as well as the documents provided for in subparagraphs “d”, “e”, “f” and “g” of paragraph 4.1 of these Instructions are submitted to the bank.

To open a current account for a separate subdivision of an international organization for transactions by this separate subdivision (branch, representative office) located on the territory of the Russian Federation, the documents specified in subparagraphs “b” and “c” of paragraph 4.3 of these Instructions are additionally submitted to the bank.

4.7. In order to open a current account for an individual entrepreneur or an individual engaged in private practice in accordance with the procedure established by the legislation of the Russian Federation, the following are submitted to the bank:

a) an identity document of an individual;

b) a card (except for the cases provided for in clause 1.12 of these Instructions);

c) documents confirming the powers of the persons indicated in the card to dispose of the funds on the account (if such powers are transferred to third parties), and in the case when the agreement provides for the certification of the rights to dispose of the funds on the account, by third parties using an analogue of a handwritten signature, documents confirming the authority of persons entitled to use an analogue of a handwritten signature;

d) certificate of registration with the tax authority;

e) certificate of state registration as individual entrepreneur. The notary shall submit a document confirming the empowerment (appointment to a position) issued by the justice authorities of the constituent entities of the Russian Federation, in accordance with the legislation of the Russian Federation. The lawyer submits a document certifying his registration in the register of lawyers, as well as a document confirming the establishment of a lawyer's office;

f) licenses (patents) issued to an individual entrepreneur or a person engaged in private practice, in accordance with the procedure established by the legislation of the Russian Federation, for the right to carry out activities subject to licensing (regulation by issuing a patent).

4.8. To open a current account, an individual entrepreneur or an individual engaged in private practice in accordance with the procedure established by the legislation of the Russian Federation, who are foreign citizens, must submit the documents specified in paragraph 4.7 of these Instructions, as well as a migration card and (or) a document confirming the right of a foreign citizen or person without citizenship for stay (residence) in the Russian Federation, if their presence is provided for by the legislation of the Russian Federation.

4.9. To open a budget account for a legal entity, along with the documents provided for in subparagraphs “a”, “b”, “d”, “e”, “f” and “g” of paragraph 4.1 of this Instruction, in cases established by the legislation of the Russian Federation, a document is submitted to the bank confirming the legal entity's right to bank services.

4.10. To open a correspondent account for a credit institution established in accordance with the laws of the Russian Federation, the Bank of Russia shall submit the documents specified in Clause 4.1 of this Instruction, with the exception of the documents specified in subclauses a), b, c, and f of clause 4.1 of this Instruction.

In order to open a correspondent account for a credit institution established in accordance with the legislation of the Russian Federation, the credit institution shall submit, along with the documents specified in Clause 4.1 of this Instruction, confirmation of the approval by the Bank of Russia of persons whose appointment to positions (assignment of duties) in accordance with the legislation of the Russian Federation Federation is subject to agreement with the Bank of Russia, when indicating these persons in the card.

4.11. In order to open a correspondent sub-account for a branch of a credit institution established in accordance with the legislation of the Russian Federation, in the cases established by Bank of Russia regulations, along with the documents specified in paragraph 4.3 of these Instructions, a notice is submitted to the credit institution about entering information about the opening of a branch in the State Register of registration of credit institutions and assignment of a serial number to it, as well as confirmation of the approval by the Bank of Russia of persons whose appointment to positions (assignment of duties) in accordance with the legislation of the Russian Federation is subject to approval by the Bank of Russia, when these persons are indicated in the card.

To open a correspondent sub-account for a branch of a credit institution established in accordance with the legislation of the Russian Federation, the Bank of Russia shall submit the documents provided for in clause 4.3 of this Instruction, with the exception of the documents provided for in sub-clauses "a", "b", "c" and "f" of clause 4.1 of this Instruction and subparagraphs “b”, “c” of paragraph 4.3 of this Instruction.

4.12. To open a correspondent account for the Bank of Russia in foreign currency, a special bank account, the following shall be submitted to a credit institution:

a) certificate of state registration of a legal entity;

c) a card (except as provided for in paragraph 1.12 of these Instructions) or an album.

4.13. In order to open accounts for the trust manager for transactions related to activities related to trust management (trust management accounts), the following shall be submitted to the bank:

a) the documents specified in this chapter for opening an account for the relevant client;

b) an agreement on the basis of which trust management is carried out.

4.14. To open a special bank account, the same documents are submitted to the bank as for opening a current account, correspondent account or current account, subject to the requirements of the legislation of the Russian Federation.

When opening a special bank account for a bank paying agent, a bank paying subagent, a paying agent, a supplier, a credit institution must have information, respectively, on the agreement on engaging a bank paying agent (bank payment subagent), on the agreement on carrying out activities for accepting payments from individuals.

When opening a nominal account, escrow account, the bank must have information about the beneficiary and the basis for his participation in relations under the nominal account agreement, escrow account. The bank must also have information about the pledge holder of the pledge account.

The procedure for fixing the specified information is determined by the bank independently in the banking rules.

To open a special bank account of the debtor, the bankruptcy trustee shall submit an identity document, a copy of the judicial act on the approval of the bankruptcy trustee in the bankruptcy case of the debtor, and a card.

Chapter 5
Opening accounts for deposits (deposits)

5.1. To open an account for a natural person - a citizen of the Russian Federation on a deposit in a bank, the following is submitted:

a) an identity document of an individual;

b) certificate of registration with the tax authority (if any).

If the contract bank deposit the possibility of transferring funds from the deposit account is provided, a card is presented. At the same time, documents confirming the authority of the persons indicated in the card to dispose of the funds on the deposit account (if such authority is transferred to third parties) are submitted. If the agreement provides for the certification of the rights to dispose of funds on the deposit account by third parties using an analogue of a handwritten signature, documents confirming the authority of persons entitled to use an analogue of a handwritten signature are submitted.

5.2. To open a deposit account for an individual - a foreign citizen or stateless person, the documents specified in clause 5.1 of this Instruction, as well as a migration card and (or) a document confirming the right of a foreign citizen or stateless person to stay (residence) in the Russian Federation , if their presence is provided for by the legislation of the Russian Federation.

5.3. To open a legal entity established in accordance with the legislation of the Russian Federation, a deposit account is submitted to the bank:

a) certificate of state registration of a legal entity;

b) certificate of registration with the tax authority.

5.4. To open a legal entity established in accordance with the laws of a foreign state and located outside the territory of the Russian Federation, a deposit account is submitted to the bank with documents confirming the legal status of this legal entity under the legislation of the country in which the legal entity was created, in particular documents confirming its state registration.

5.5. To open an individual entrepreneur or an individual engaged in private practice in accordance with the procedure established by the legislation of the Russian Federation, a deposit account is submitted to a bank:

a) an identity document of an individual;

b) certificate of registration with the tax authority;

c) certificate of state registration as an individual entrepreneur. The notary shall submit a document confirming the empowerment (appointment to a position) issued by the justice authorities of the constituent entities of the Russian Federation, in accordance with the legislation of the Russian Federation. The lawyer submits a document certifying his registration in the register of lawyers, as well as a document confirming the establishment of a lawyer's office.

5.6. To open a deposit account for an individual entrepreneur or an individual engaged in private practice in accordance with the procedure established by the legislation of the Russian Federation, who are foreign citizens, the documents specified in paragraph 4.7 of these Instructions, as well as a migration card and (or) a document confirming the right of a foreign citizen or stateless person for stay (residence) in the Russian Federation, if their presence is provided for by the legislation of the Russian Federation.

Chapter 6
Opening deposit accounts of courts, bailiffs, law enforcement agencies, notaries

6.1. To open a court deposit account, the following must be submitted to the bank:

a) a document defining the legal status judicial authority to whom the account is opened;

b) a card (except for the cases provided for in clause 1.12 of these Instructions);

6.2. To open a deposit account of divisions of the bailiff service, the following are submitted to the bank:

a) a document on the legal status of the bailiff service unit for which the account is opened;

b) a card (except for the cases provided for in clause 1.12 of these Instructions);

c) documents confirming the powers of the persons indicated in the card to dispose of the funds on the account, and in the case when the agreement provides for the certification of the rights to dispose of the funds on the account using an analogue of a handwritten signature, documents confirming the powers of persons, entitled to use an analogue of a handwritten signature.

6.3. To open a deposit account of law enforcement agencies, the following are submitted to the bank:

a) a document on the legal status of the law enforcement agency for which the account is opened;

b) a card (except for the cases provided for in clause 1.12 of these Instructions);

c) documents confirming the powers of the persons indicated in the card to dispose of the funds on the account, and in the case when the agreement provides for the certification of the rights to dispose of the funds on the account using an analogue of a handwritten signature, documents confirming the powers of persons, entitled to use an analogue of a handwritten signature.

6.4. To open a notary's deposit account, the following must be submitted to the bank:

a) an identity document of an individual;

b) a card (except for the cases provided for in clause 1.12 of these Instructions);

c) a document confirming the empowerment of a notary public (appointment to a position), issued by the justice authorities of the constituent entities of the Russian Federation, in accordance with the legislation of the Russian Federation.

Chapter 7
Card with samples of signatures and seal imprint

7.1. The card is submitted by the client to the bank in the cases provided for by this Instruction, together with other documents necessary for opening an account.

The card can be issued in the form No. 0401026 according to OKUD ( All-Russian classifier management documentation OK 011-93) given in Appendix 1 to this Instruction, or in the form established by banking rules and containing information to be included in the card in accordance with Appendix 1 to this Instruction.

7.2. The card is filled in using a typewriter or an electronic computer in black font or a pen with black, blue or purple paste (ink). The use of a facsimile signature to fill in the fields of the card is not allowed.

7.3. The bank makes the number of copies of the card necessary for use in the work. The use of copies of the card obtained on a copying technique is allowed provided that the copying is made without distortion.

Copies of the card made on paper must be certified by the signature of the chief accountant of the bank (his deputy) or a bank employee authorized by the bank's administrative act to draw up the card in accordance with paragraph 7.10 of this Instruction (hereinafter referred to as the authorized person).

Instead of copies, it is possible to use several copies of the cards provided by the client.

When servicing several client accounts by the bank and subject to the coincidence of the list of persons entitled to sign, the bank has the right not to require the issuance of a card for each account in the cases and in the manner provided for in the banking rules.

In the cases and in the manner provided for in the banking rules, the bank may use a copy of the card obtained using scanning devices, certified by an analogue of the handwritten signature of the bank's chief accountant (his deputy) or an authorized person. At the same time, it should be possible to reproduce without distortion a copy of a card obtained using scanning devices on paper.

7.4. Forms of cards are made by clients, bank independently.

An arbitrary number of lines is allowed in the fields “Client (Account Owner)”, “Cash checks issued”, “Other notes”, “Last name, first name, patronymic” and “Signature sample”, taking into account the number of persons entitled to sign, as well as in the field “Account number” in the case provided for in clause 7.3 of these Instructions.

When making a card, an interlinear indication of the translation of the fields of the card in the languages ​​of the peoples of the Russian Federation, as well as in foreign languages, is allowed.

The field “Sample Seal Impression” should provide for the possibility of putting a seal imprint without going beyond the boundaries of this field.

7.5. The card submitted by a client - an individual, an individual entrepreneur, an individual engaged in private practice in accordance with the procedure established by the legislation of the Russian Federation, indicates the person (s) endowed (s) with the right to sign.

The right to sign belongs to the client - an individual, an individual entrepreneur, an individual engaged in private practice in accordance with the procedure established by the legislation of the Russian Federation.

The right to sign may belong to individuals on the basis of an appropriate power of attorney issued in cases and in the manner established by the legislation of the Russian Federation, by an individual, an individual entrepreneur, an individual engaged in private practice in accordance with the procedure established by the legislation of the Russian Federation.

The card submitted by the client - a legal entity, indicates the person (persons) endowed with the right to sign.

The right to sign belongs to the sole executive body of the client - legal entity (sole executive body), as well as other employees (employees) vested with the right to sign by the client - legal entity, including on the basis of an administrative act, power of attorney.

The signing right may belong only to employees (employees) of the client - a legal entity, except for the cases established by paragraphs nine - eleven of this clause.

The head of a separate subdivision of a client - a legal entity, if he has the appropriate authority, has the right, by his administrative act or on the basis of a power of attorney, to give the right to sign the employees (employees) of this separate subdivision.

In accordance with Article 11.1 of the Federal Law “On Banks and Banking Activities”, the disposal of funds held on the accounts of a credit institution opened with the Bank of Russia may be assigned only to persons agreed in accordance with the procedure established by parts six through eight of the said article.

The right to sign may be transferred to a clearing organization, payment system operator, central payment clearing counterparty, manager or managing organization, bankruptcy trustee, persons providing accounting services.

If the managing organization that performs the functions of the sole executive body grants its employees (employees) or employees (employees) of the client - legal entity the right to sign on behalf of the client - legal entity, such a right may be granted on the basis of an administrative act of the managing organization or a power of attorney.

The sole executive body of the managing organization may act as the person entitled to sign.

The card submitted by the client - legal entity shall contain at least two handwritten signatures required for signing documents containing the client's order, unless a different number of signatures is determined by agreement between the bank and the client - legal entity.

Possible combinations of handwritten signatures of persons entitled to sign, necessary for signing documents containing the client's order, are determined by an agreement between the bank and the client.

7.6. The sole executive body of a client - a legal entity, an individual entrepreneur, may not be indicated in the card as persons entitled to sign, provided that other persons are granted the right to sign.

7.7. To issue a card, only documents confirming the status of the persons indicated in the card are submitted to the embassy or consulate. If an international agreement ratified in accordance with the procedure established by the legislation of the Russian Federation provides for the right of an official of an embassy or consulate to authenticate the signatures of employees of the relevant embassy or consulate, then the bank accepts a card in which the authenticity of the signatures of these employees is certified by the specified official.

7.8. The sample imprint of the seal affixed by the client to the card must correspond to the seal that the client has.

The provisional administration for the management of a credit institution shall affix an imprint of a seal made in accordance with the legislation of the Russian Federation, which determines the procedure for the activities of the provisional administration for the management of a credit organization.

The bankruptcy trustee (liquidator), the external trustee affixes an imprint of the seal used by him in the implementation bankruptcy proceedings(liquidation), external management.

7.9. The authenticity of handwritten signatures of persons entitled to sign may be certified by a notary. The Bank accepts a card in which the authenticity of the signatures of all persons entitled to sign is certified by one notary.

7.10. The card can be issued without notarization of the authenticity of signatures in the presence of an authorized person in the following order.

7.10.1. The authorized person establishes the identity of the persons indicated in the card on the basis of the submitted identity documents.

7.10.2. The authorized person establishes the powers of the persons indicated in the card on the basis of studying the constituent documents of the client, as well as documents on vesting the person with the appropriate powers.

7.10.3. The persons indicated in the card, in the presence of an authorized person, put their own signatures in the corresponding field of the card. Blank lines are filled with dashes.

7.10.4. The authorized person, in confirmation of the signatures of the persons indicated in the card in his presence, fills in the field “Place for the certification inscription on the certification of the authenticity of signatures” of the card in the bank’s premises in the manner prescribed by paragraph 2.9 of Appendix 2 to this Instruction.

7.11. The card is valid until the termination of the bank account agreement, deposit account, deposit account, or until it is replaced by a new card.

In case of replacement or addition of at least one signature and (or) replacement (loss) of the seal, change of the surname, name, patronymic of the person indicated in the card, in cases of change of the name, organizational and legal form of the client - legal entity or in case of early termination (suspension of ) the powers of the client's management bodies in accordance with the legislation of the Russian Federation, the client presents a new card.

The presentation of a new card to the bank must be accompanied by the simultaneous submission of documents confirming the authority of the persons indicated in the card to dispose of the funds on the account, as well as documents proving the identity of the person (persons) vested with the right to sign. The Bank is not entitled to accept a new card without presenting the said documents, except for the cases when the said documents were submitted to the Bank earlier and the Bank already has them.

7.12. The Bank has the right to make changes in the fields “Location (place of residence)”, “tel. No.” of the card.

The Bank has the right to independently make changes to the fields “Bank”, “Bank mark”, “Account number”, “Term of authority”, “Cash checks issued” of the card.

Cases when it is allowed to make changes to the fields “Location (place of residence)”, “tel. No.”, “Bank”, “Bank mark”, “Account number”, “Term of office”, “Cash checks issued” of the card, are determined by the bank in the banking rules.

The Bank has the right to make corrections in the fields of the card, drawn up in accordance with the procedure established by paragraph 7.10 of these Instructions, when filling in which errors were made.

The procedure for making changes and corrections to the fields of the card is determined by the bank independently in the banking rules. When making changes and corrections, strikethrough of the text is carried out with a thin line so that you can read the strikethrough.

7.13. If the right to sign is granted temporarily to persons not specified in the card, as well as in the case of temporary use of an additional seal, the card shall be accompanied by temporary cards drawn up in the manner prescribed by this Instruction. In this case, in the upper right corner on the front side of the card, a mark “Temporary” is put down.

7.14. The front and back sides of the card are filled in in the manner prescribed by Appendix 2 to this Instruction.

7.15. Under an escrow account, the right to sign can be transferred to the beneficiary of the escrow account on the basis of an escrow account agreement, another agreement under which the bank is the escrow agent. In this case, a card is presented to the bank, for the purpose of issuing which the beneficiary of the escrow account is considered as a client of the bank.

Chapter 8
Closing a bank account

8.1. The basis for closing a bank account is the termination of the bank account agreement, including in the case established by paragraph three of paragraph 52 of Article 7 of Federal Law No. 115-FZ.

8.2. After the termination of the bank account agreement, income and expenditure operations are not carried out on the client's account, except for the operations provided for in paragraph 8.3 of these Instructions. The funds received by the client after the termination of the bank account agreement are returned to the sender.

8.3. After the termination of the bank account agreement, before the expiration of seven days after receiving the relevant written application from the client, the bank issues the balance of funds from the bank account to the client in cash or transfers funds by payment order.

If the client fails to appear to receive the balance of funds on the bank account within sixty days from the date of sending, in accordance with paragraph 1.2 of Article 859 of the Civil Code of the Russian Federation, by the bank to the client, a notice of termination of the bank account agreement or failure to receive the bank within specified period the client’s instructions to transfer the amount of the balance of funds to another account, the bank is obliged, in accordance with paragraph two of clause 3 of Article 859 of the Civil Code of the Russian Federation, to credit funds to a special account with the Bank of Russia opened in accordance with Instruction of the Bank of Russia dated July 15, 2013 No. 3026- U “On a special account with the Bank of Russia”, registered by the Ministry of Justice of the Russian Federation on August 16, 2013 No. 29423 (“Bulletin of the Bank of Russia” dated August 28, 2013 No. 47).

8.4. In connection with the termination of the bank account agreement, the client is obliged to hand over to the bank unused cash checkbooks with the remaining unused cash checks and stubs in the manner prescribed by the legislation of the Russian Federation.

8.5. In the absence of funds in the bank account, an entry on the closure of the relevant personal account is made in the Book of Registration of Open Accounts no later than the business day following the day the bank account agreement is terminated, unless otherwise provided by the legislation of the Russian Federation.

The presence of restrictions on the disposal of funds in a bank account, provided for by the legislation of the Russian Federation, in the absence of funds in the bank account, does not prevent making an entry on the closure of the corresponding personal account in the Book of Registration of Open Accounts.

If there are funds on the bank account on the day of termination of the bank account agreement, an entry on the closure of the corresponding personal account is made in the Book of Registration of Open Accounts no later than the business day following the day the funds are debited from the bank account.

In case of termination of the bank account agreement in the presence of restrictions provided for by the legislation of the Russian Federation on the disposal of funds in the bank account and in the presence of funds in the account, an entry on the closure of the corresponding personal account in the Book of Registration of Open Accounts is made after the cancellation of these restrictions no later than the working day following day of debiting funds from the bank account.

The presence of unfulfilled orders for the transfer of funds does not prevent the termination of the bank account agreement and the entry of an entry on the closure of the corresponding personal account in the Book of Registration of Open Accounts.

8.6. In order to close the bank account of the debtor in the course of bankruptcy proceedings, the bankruptcy trustee shall submit an identity document, a copy of the judicial act on the approval of the bankruptcy trustee in the bankruptcy case of the debtor, a written application for closing the bank account indicating the details of the bank account to which the balance of funds is to be transferred to account, details of the beneficiary's bank. If the order to transfer the balance of funds under bank account drawn up and signed by the bank, the card is not submitted to the bank.

8.7. When terminating the nominal account agreement, the bank transfers the balance of funds by payment order to another nominal account of the client - account holder or issues it to the beneficiary in cash, or (unless otherwise provided by law or the nominal account agreement or follows from the essence of the relationship) transfers the payment order by indicating the beneficiary to another account.

Unless otherwise provided by the agreement of the client-depositor and the beneficiary, upon termination of the escrow account agreement, the bank issues the balance of funds on the account to the client-depositor in cash or transfers funds to the client-depositor by a payment order or, if there are grounds for transferring funds to the beneficiary, it issues to the beneficiary in cash or transfers funds to the beneficiary by payment order.

Chapter 9
Closing an account on a deposit (deposit), deposit account

9.1. The basis for closing a deposit (deposit) account is the termination of the deposit (deposit) agreement, including in the case established by paragraph three of clause 5.2 of Article 7 of Federal Law No. 115-FZ.

An entry on the closure of the corresponding personal account in the Book of Registration of Open Accounts is made by the bank on the day of the appearance of a zero balance on the deposit (deposit) account, unless otherwise provided by the deposit (deposit) agreement.

9.2. Closing of deposit accounts of courts, units of the bailiff service, law enforcement agencies, notaries is carried out in accordance with this chapter, unless otherwise provided by the legislation of the Russian Federation.

Chapter 10
legal case

10.1. A legal case is formed by the bank for each client account.

One legal case can be formed on several client accounts. The cases and procedure for the formation of one legal case on several customer accounts are determined by the bank in the banking rules.

The client's legal case is assigned a serial number in accordance with banking rules.

If the person who applied to the bank to open an account is a representative of several clients, the bank has the right to place copies of documents (or information about their details) proving the identity of the representative, as well as documents confirming that he has the appropriate authority, in the legal file of one of clients in whose interests the representative acts. At the same time, the legal files of other clients must contain information indicating the legal file in which the specified documents of the representative of these clients are placed. The cases and procedure for the formation of legal cases of clients, on behalf of which one representative acts, are determined by the bank in the banking rules.

10.2. In a legal case are placed:

documents and information submitted by the client (his representative) when opening an account, as well as documents submitted in case of changes in the specified information;

contract (contracts) of a bank account, deposit (deposit), deposit account, amendments and additions to the said contract (s), other contracts defining the relationship between the bank and the client on opening, maintaining and closing an account;

documents relating to the bank's sending messages to the tax authority on the opening (closing) of an account;

correspondence between the bank and the client on opening, maintaining and closing an account;

expired cards;

other documents relating to the relationship between the client and the bank on opening, maintaining and closing an account.

The cards presented and used in customer service shall be stored in a place determined by the bank itself.

10.3. When seizing (seizure) of a document (its copy) in cases established by the legislation of the Russian Federation, on the basis of a decision (decree) government agency documents received by the bank during the seizure (seizure) of the document (its copy) are placed in the legal file.

When compiling one document, when seizing (seizure) documents from several legal cases, the document (its copy) received by the bank when seizing (seizure) documents is placed in one of the legal files, copies of the specified document certified by the bank are placed in other legal cases.

When seizing (withdrawing) a document (its copy) from a legal file, the bank is obliged to take all necessary and possible measures in the circumstances to place in the legal file a copy of the document being withdrawn, certified in the manner prescribed by paragraph 1.11 of these Instructions.

10.4. The Bank is obliged to exclude unauthorized access to the legal files of clients during their storage.

10.5. In the event of termination of customer service in one division of the bank and transferring him for servicing to another division of the bank, the legal case may be transferred from one division of the bank to another in the manner prescribed by banking rules.

10.6. Legal cases are kept by the bank during the entire period of validity of the bank account agreement, deposit (deposit), deposit account, and after the termination of relations with the client - for the period established by the legislation of the Russian Federation.

The terms for storing documents (their copies) in electronic form relating to the relationship between the bank and the client on opening, maintaining and closing an account must be no less than the terms for storing the relevant legal file of the client.

Chapter 11
banking rules

11.1. Banking rules are an internal document of a credit institution and include the following provisions:

on the distribution of competence in the field of opening and closing accounts among the structural subdivisions of the credit institution, including the procedure for maintaining and storing the Book of Registration of Open Accounts;

on the procedure for opening and closing accounts, taking into account the requirements established by this Instruction, as well as on organizing work to comply with the requirement for the personal presence of a person opening a bank account (deposit account) or his representative when opening a bank account (deposit account) for an individual ;

on the procedure for the preparation by the credit institution of documents used in opening and closing accounts, as well as the procedure for the preparation and certification by the credit institution of copies of documents submitted by the client;

about the rules of document flow from the moment of receipt of documents from the client (his representative) until the moment the account number is communicated to the client;

on the organization of work on the preparation and sending of notifications to the tax authority on opening or closing an account, on changing the details of an account;

on the procedures for accepting documents for opening accounts;

on the form and procedure for issuing a card;

on the procedure for obtaining and issuing a sample signature of a client - an individual in the case provided for in paragraph six of clause 1.12 of these Instructions;

on the procedure for notifying customers about the details of their accounts;

on the procedure for recording and storing documents (their copies) received when opening, maintaining and closing accounts (including in electronic form);

on the cases and procedure for the formation of one legal case on several client accounts;

on the procedure for access to legal cases of clients;

on the procedure for the transfer of legal cases in the divisions of the credit institution;

on the procedure for updating information about clients and persons, information about which must be established when opening an account;

on the procedure for fixing information on an agreement on engaging a bank payment agent (bank payment subagent), on an agreement on carrying out activities for accepting payments from individuals;

on the procedure for recording information about the beneficiary and on the basis of his participation in relations under the agreement of a nominal account, escrow account, pledge account.

Banking rules may include other provisions relating to the opening and closing of accounts, as well as procedures related to the opening and closing of accounts.

11.2. Banking rules cannot contain provisions that contradict the legislation of the Russian Federation.

11.3. In order to organize the work of opening and closing accounts, the divisions of the Bank of Russia are entitled to accept internal documents containing the provisions specified in paragraph 11.1 of this Instruction, in compliance with the requirements established by paragraph 11.2 of this Instruction.

Chapter 12
Final provisions

12.2. Reissuance of cards accepted by the bank prior to the entry into force of this Instruction is not required. In this case, the documents containing the client's order are signed by the person with the right of the first signature and the person with the right of the second signature (if available in the card).

Banking rules may establish the use of card forms that were used before the entry into force of this Instruction. In this case, the fields “Last name, first name, patronymic” and “Signature sample” opposite the “Second signature” field of such cards are not subject to filling.

12.3. Internal documents in force on the date of entry into force of this Instruction must be brought into line with its requirements within three months from the date of entry into force of this Instruction.

12.4. From the date of entry into force of this Instruction, to recognize as invalid:

Instruction of the Bank of Russia dated September 14, 2006 No. 28-I “On opening and closing bank accounts, deposits (deposits)”, registered by the Ministry of Justice of the Russian Federation on October 18, 2006 No. 8388 (“Bulletin of the Bank of Russia” dated October 25, 2006 No. 57);

Bank of Russia Ordinance No. 2009-U dated May 14, 2008 “On Amendments to Bank of Russia Instruction No. 28-I dated September 14, 2006 “On Opening and Closing Bank Accounts and Deposit Accounts”, registered by the Ministry of Justice of the Russian Federation May 30, 2008 No. 11786 (“Bulletin of the Bank of Russia” dated June 11, 2008 No. 32);

Bank of Russia Ordinance No. 2342-U dated November 25, 2009 “On Amendments to Bank of Russia Instruction No. 28-I dated September 14, 2006 “On Opening and Closing Bank Accounts and Deposit Accounts”, registered by the Ministry of Justice of the Russian Federation December 14, 2009 No. 15591 (“Bulletin of the Bank of Russia” dated December 23, 2009 No. 74);

Bank of Russia Ordinance No. 2868-U dated August 28, 2012 “On Amending Bank of Russia Instruction No. 28-I dated September 14, 2006 “On Opening and Closing Bank Accounts, Deposit Accounts”, registered by the Ministry of Justice of the Russian Federation September 21, 2012 No. 25515 (“Bulletin of the Bank of Russia” dated September 26, 2012 No. 58).

Attachment 1
to the Instruction of the Bank of Russia
dated May 30, 2014 No. 153-I
"About opening and closing
bank accounts,
accounts on deposits (deposits),
deposit accounts"

					Form code document OKUD
					0401026
Card with samples of signatures and stamps
Client (account holder)				Bank mark _______________________ (signature) “___” ____________ 20__
Location (place of residence)
	tel. No.
Bank
				Other marks

Back side

		account number
(abbreviated name of the client (account holder)
Full Name	Signature example	Term of office
Date of completion		Print sample
Signature of the client (account holder)
Place for a certification inscription on the evidence of the authenticity of signatures		Checks issued
		date of	with no.	by no.	date of	with no.	by no.

Annex 2
to the Instruction of the Bank of Russia
dated May 30, 2014 No. 153-I
"About opening and closing
bank accounts,
accounts on deposits (deposits),
deposit accounts"

The procedure for filling out a card with samples of signatures and seal imprints

1. The fields on the front side of the card are filled in in the following order:

1.1. In the field “Client (account holder)”:

the client - a legal entity indicates the full name in accordance with its constituent documents. In the case of opening an account for a legal entity for transactions by its branch, representative office, the full name of the legal entity in accordance with its constituent documents and after a comma - the full name of the separate subdivision in accordance with the regulation on the separate subdivision approved by the legal entity;

a client - an individual indicates in full his surname, first name, patronymic (if any), date of birth;

the client - an individual entrepreneur indicates in full his last name, first name, patronymic (if any), date of birth, and also makes an entry “individual entrepreneur”;

client - an individual engaged in private practice in accordance with the procedure established by the legislation of the Russian Federation, indicates in full his last name, first name, patronymic (if any), date of birth, as well as type of activity (for example, a lawyer, notary, arbitration manager).

1.2. In the field “Location (place of residence)”:

a client - a legal entity indicates the address (location) of the permanent executive body (in the absence of a permanent executive body of the legal entity - another body or person entitled to act on behalf of the legal entity without a power of attorney), through which communication with the legal entity is carried out. In cases where the functions of the sole executive body of a client - legal entity are performed by a managing organization or a manager, the client additionally indicates the location of the managing organization, or the address of the place of residence (registration), or the address of the place of residence. Client - an individual, an individual entrepreneur indicates the address of the place of residence (registration) or place of stay;

a client - an individual engaged in private practice in accordance with the procedure established by the legislation of the Russian Federation, indicates the address of his direct activity or the address of the place of residence (registration) or place of stay.

1.3. In the field "tel. №” the client specifies the phone number. Multiple customer phone numbers are allowed.

1.4. The field “Bank” shall contain the full company name or abbreviated company name of the credit institution or the name of the Bank of Russia division in which the account is opened.

1.5. In the “Bank mark” field, after assigning the corresponding number to the account by the chief accountant or his deputy or another person to whom the right to make an entry about opening an account for the client in the Book of registration of open accounts has been granted by the bank’s order document, a handwritten signature and the date from which the card is used are affixed.

1.6. In the “Other notes” field, the bank may indicate information about the provision of temporary cards, the period of time during which they are valid, cases of their replacement, the procedure and frequency of issuing account statements, as well as other information required by the bank.

2. The fields on the reverse side of the card are filled in in the following order.

2.1. In the field “Abbreviated name of the client (account holder)”:

a client - a legal entity indicates its abbreviated name in accordance with its constituent documents or the abbreviated name of a branch, representative office of a legal entity in accordance with the regulation on the branch, representative office approved by the legal entity. In the absence of an abbreviated name, the full name of the client - legal entity (branch, representative office) is indicated;

client - an individual indicates in full his last name, first name, patronymic (if any);

the client - an individual entrepreneur indicates in full his last name, first name, patronymic (if any), and also makes an entry “individual entrepreneur”;

client - an individual engaged in private practice in accordance with the procedure established by the legislation of the Russian Federation, indicates in full his last name, first name, patronymic (if any), and also indicates the type of activity (for example, a lawyer, a notary).

Filling in the field “Abbreviated name of the client (account holder)” is also allowed in Latin letters without line-by-line translation into Russian.

In the field “Abbreviated name of the client (account holder)”, it is allowed to indicate the abbreviated name of the client provided for by the agreement between the bank and the client.

2.2. In the field “Account number” after making an entry about the opening of an account for a client in the Book of registration of open accounts Chief Accountant, his deputy or another person who has been granted the right to make an entry about the opening of an account for a client in the Book of Registration of Open Accounts, affixes the assigned account number.

2.3. In the field “Last name, first name, patronymic” the full surname, first name, patronymic (if any) of the persons entitled to sign shall be indicated.

2.4. In the “Signature Sample” field, a handwritten signature opposite their last name, first name or patronymic (if any) is affixed by persons entitled to sign.

2.5. The “Term of office” field is intended to control the term of office of persons entitled to sign, established on the basis of the constituent documents, the client's administrative act or the power of attorney issued by him. Cases and procedure for filling in the field “Term of authority” by the bank are determined by the bank in the banking rules.

2.6. In the “Date filled out” field, the client indicates the day, month and year of issuing the card.

2.7. In the field “Signature of the client (account holder)” the following shall be entered:

handwritten signature of the sole executive body of the client - a legal entity or a person performing its duties, which, in accordance with the law and constituent documents, carries out representation without a power of attorney;

handwritten signature of the manager (the sole executive body of the managing organization) if the powers of the sole executive body of the client are transferred in the manner prescribed by the legislation of the Russian Federation to the manager (managing organization);

handwritten signature of a person who is a representative of the client acting on the basis of a power of attorney to open an account. At the same time, this field indicates the number (if any) and the date of the corresponding power of attorney;

handwritten signature of a client - an individual, a client - an individual entrepreneur or a client - an individual engaged in private practice in accordance with the procedure established by the legislation of the Russian Federation.

2.8. In the field “Sample Seal Impression”, clients - legal entities, individual entrepreneurs, individuals engaged in private practice in accordance with the procedure established by the legislation of the Russian Federation (if they have a seal), affix a sample seal imprint.

The imprint of the seal affixed to the card must be legible.

If the legislation of a foreign state does not establish the obligation to have a seal, a legal entity established on the territory of the said state has the right not to affix a seal imprint, indicating that there is no seal in the “Sample Seal Imprint” field.

Clients - individuals do not fill in the field “Sample seal impression”.

2.9. In the field “Place for the certification inscription on the evidence of the authenticity of signatures”, the certification inscription is made by a notary in accordance with the requirements established by the legislation of the Russian Federation. The authorized person fully indicates his position, surname and initials, surname and initials of the person (persons), whose signatures are made in his presence, indicates the date and affixes his own signature with the seal (stamp) of the bank, determined for these purposes by the administrative act of the bank.

2.10. In the “Cash checks issued” field, the bank indicates the date of issue and numbers of cash checks issued by a credit institution (branch) or a division of the Bank of Russia to customers. The field “Cash checks issued” can be drawn up in the form of a separate sheet (sheets) attached to the card.

Document overview

The procedure for opening and closing bank accounts, deposits (deposits), and deposit accounts has been revised. It has not undergone significant changes. Let's note some innovations.

Thus, legislative amendments in the field of accounting were taken into account. It's about on the abolition of the institution of the control signature of an accountant. In this regard, the sample signatures of authorized persons are given in a row in the card (without division into those who have the right of the first and second signatures).

The possibility of issuing copies of documents submitted for opening an account in electronic form has been fixed. They are compiled by an official of the bank and certified by an analogue of his handwritten signature.

The grounds for non-submission of a card with samples of signatures and a seal imprint by an individual are extended to legal entities.

Besides, new order brought in accordance with the amendments to the Civil Code of the Russian Federation. In particular, the features of opening and closing a nominal account, an escrow account and a pledge account are established.

When opening a nominal account, an escrow account, the bank must have information about the beneficiary and the basis for his participation in relations under the agreement of such an account. He must also have information about the pledge holder of the pledge account. According to the escrow account, the right to sign can be transferred to the beneficiary on the basis of an agreement under which the bank is the escrow agent. In this case, a card is presented to the bank, for the purpose of issuing which the beneficiary of the escrow account is considered as a client of the bank.

Changes are also reflected in the "anti-money laundering" law. Thus, in order to open an account, the bank must take reasonable and affordable measures in the circumstances to identify the beneficial owners.

The new instruction comes into force on July 1, 2014. Internal documents must be brought into line with it within 3 months after the specified date.

Tracking innovations and changes in legislative documents regulating interactions in banking system, is an important point for enterprises. Some of the changes that received instruction 153 of the Central Bank of the Russian Federation (the latest version came into effect on 07/01/2014) are within the competence of accountants, so they should pay attention to this issue.

Changes in the latest version of Instruction 153 of the Central Bank of the Russian Federation

Let's dwell on them in more detail.

1. Account opening requirements. The procedure requires the conclusion of an agreement with the bank. Prior to the entry into force of the changes in Instruction 153, the reason for refusing to conclude such an agreement could be the failure of the enterprise to provide identifying information - data on the actual location at the specified legal address, registration documents, data on the main types of activities, a list of the largest counterparties, etc. From July 1, 2014, the bank is obliged to refuse to process documents if the enterprise has not submitted the information required for identification in full, according to the list approved by the Bank of Russia.
2. Registration bank cards. According to the provisions in force earlier, the head was assigned the right of the first signature, and the chief accountant or the person authorized to keep accounting records was assigned the right of the second signature by issuing bank cards. New edition instructions leaves the authority for the first signature to the head, but the signature of the accountant has ceased to be mandatory. At the same time, it became possible to expand the circle of officials who can be granted the right to sign - this is reflected in par. 13 instructions No. 153-i.

   

3. Right to sign. Paragraph 7.5 of this instruction allows granting the right to sign to persons providing accounting services to an enterprise on a contractual basis.
4. Ability to use electronic signatures. Subparagraph "e" of paragraph 4.1 of the instructions in question is allowed to stipulate in the contract the use of an analogue of a handwritten signature, i.e. electronic signature. To confirm the validity of such a signature, the enterprise will have to provide the bank with a paper certificate of the verification key.
5. Closing an account. The instructions provide for the following cases of possible termination of the bank account agreement: at the initiative of the client or the bank; by decision of a court decision that has entered into force.

   

At the same time, in latest edition it is stipulated that the funds that remained on the account upon closing must be sent by the bank to a special account with the Bank of Russia. In previous normative documents this mechanism was not regulated in any way.

We hope this information will be useful for managers and accountants.

CENTRAL BANK OF THE RUSSIAN FEDERATION

ABOUT OPENING AND CLOSURE
BANK ACCOUNTS, DEPOSIT ACCOUNTS (DEPOSITS),
DEPOSIT ACCOUNTS

2.10. Accounts on deposits (deposits) are opened respectively for individuals and legal entities to account for funds placed in banks in order to receive income in the form of interest accrued on the amount of placed funds.

Chapter 3. Opening a current account for an individual

3.1. To open a current account for an individual - a citizen of the Russian Federation, the following are submitted to the bank:

d) certificate of registration with the tax authority (if any).

In cases where, in order to open an account, a bank has identified a client - an individual in the manner provided for in paragraph 5.8 of Article 7 of Federal Law N 115-FZ, the documents provided for in subparagraphs "a" and "d" of this paragraph are not submitted.

3.2. To open a current account for an individual - a foreign citizen or stateless person, the documents specified in clause 3.1 of this Instruction, as well as a migration card and (or) a document confirming the right of a foreign citizen or stateless person to stay (residence) in the Russian Federation, are submitted, if their presence is provided for by the legislation of the Russian Federation.

Chapter 4. Opening bank accounts for a legal entity, an individual entrepreneur, an individual engaged in private practice in accordance with the legislation of the Russian Federation

4.1. To open a current account for a legal entity established in accordance with the legislation of the Russian Federation, the following must be submitted to the bank:

a) constituent documents of a legal entity. Legal entities operating on the basis of a model charter approved by the Government of the Russian Federation; operating on the basis of model regulations on organizations and institutions of the corresponding types and types, approved by the Government of the Russian Federation, and charters developed on their basis; operating on the basis of a model provision and a charter, submit the said documents. State authorities of the Russian Federation, state authorities of the constituent entities of the Russian Federation, local self-government bodies submit legislative and other regulatory legal acts adopted in accordance with the procedure established by the legislation of the Russian Federation, decisions on their creation and legal status;

b) licenses (permits) issued to a legal entity, if these licenses (permits) are directly related to the client's legal capacity to conclude an agreement on the basis of which an account is opened;

c) card (except for the cases provided for in paragraph 1.12 of these Instructions);

d) documents confirming the powers of the persons indicated in the card to dispose of the funds on the account, and in the case when the agreement provides for the certification of the rights to dispose of the funds on the account using an analogue of a handwritten signature, documents confirming the powers of persons, entitled to use an analogue of a handwritten signature;

e) documents confirming the powers of the sole executive body of the legal entity.

4.2. To open a current account for a legal entity established in accordance with the legislation of a foreign state and located outside the territory of the Russian Federation, the following must be submitted to the bank:

b) documents confirming the legal status of a legal entity under the laws of the country in whose territory this legal entity is established, in particular, documents confirming its state registration;

4.2.1. To open a correspondent account for a credit institution established in accordance with the legislation of a foreign state and located outside the territory of the Russian Federation, the following must be submitted to the bank:

a) documents provided for in subparagraphs "b" - "e" of paragraph 4.1 of this Instruction;

b) documents confirming the legal status of the credit institution under the legislation of the country in whose territory this credit institution is established, in particular, documents confirming its state registration;

c) a certificate of registration with a tax authority in cases stipulated by the legislation of the Russian Federation.

The Bank has the right to provide in the banking rules that when opening a correspondent account for a credit institution established in accordance with the laws of a foreign state - a member of the Development Group financial measures on Combating Money Laundering (FATF) and located in the territory of such a foreign state, as well as included in the list (register) of operating credit institutions of the relevant foreign state, the documents provided for in subparagraphs "b" and (or) "e" of paragraph 4.1 of this Instructions and (or) subparagraph "b" of this paragraph are not submitted.

To open a correspondent account for a credit institution established in accordance with the laws of a foreign state and located outside the territory of the Russian Federation, the bank has the right to accept an album instead of a card. Establishing the identity of the persons indicated in the album, as well as persons authorized to dispose of the funds on the correspondent account, using an analogue of a handwritten signature, is not required, unless otherwise specified by the bank in the banking rules.

In order to open a correspondent account for a central (national) bank of a foreign state, the bank shall submit legislative and (or) other regulatory legal acts on its legal status, an album, as well as a document provided for in subparagraph "c" of this paragraph, adopted in accordance with the procedure established by the legislation of the relevant foreign state, if, in accordance with the legislation of the Russian Federation, it must be received.

4.3. To open a current account for a legal entity established in accordance with the legislation of the Russian Federation, for the performance of operations by its separate subdivision (branch, representative office), the following are submitted to the bank:

a) the documents specified in paragraph 4.1 of these Instructions;

b) provision on a separate subdivision of a legal entity;

c) documents confirming the powers of the head of a separate subdivision of a legal entity;

4.4. To open a current account for a legal entity established in accordance with the legislation of a foreign state and located outside the territory of the Russian Federation, for the performance of operations by its separate subdivision (branch, representative office), as well as a foreign non-profit non-governmental organization operating in the territory of the Russian Federation through the branch, to the bank are presented:

a) documents stipulated by subparagraphs "b" - "e" of paragraph 4.1 and subparagraph "b" of paragraph 4.2 of this Instruction;

b) a regulation on a separate subdivision of a legal entity or a document defining the status of a branch of a foreign non-profit non-governmental organization;

c) documents confirming the powers of the head of a separate subdivision of a legal entity or a branch of a foreign non-profit non-governmental organization.

4.5. To open a current account, the embassy, ​​consulate, as well as other diplomatic and equivalent representation of a foreign state, the documents provided for in subparagraphs "c" and "d" of paragraph 4.1 of this Instruction, as well as a certificate of registration with the tax authority are submitted to the bank.

In order to open a current account, a diplomatic mission and an equivalent representative office of a foreign state must additionally submit documents confirming the status of the representative office.

4.6. To open a settlement account for an international organization, an international agreement, charter or other similar document confirming the status of the organization, as well as the documents provided for in subparagraphs "c" - "e" of paragraph 4.1 of these Instructions, as well as a certificate of registration with the tax authority are submitted to the bank .

To open a current account for a separate subdivision of an international organization for transactions by this separate subdivision (branch, representative office) located on the territory of the Russian Federation, the documents specified in subparagraphs "b" and "c" of paragraph 4.3 of these Instructions are additionally submitted to the bank.

4.7. To open a current account for an individual entrepreneur, the following must be submitted to the bank:

a) an identity document of an individual;

b) a card (except for the cases provided for in clause 1.12 of these Instructions);

c) documents confirming the powers of the persons indicated in the card to dispose of the funds on the account (if such powers are transferred to third parties), and in the case when the agreement provides for the certification of the rights to dispose of the funds on the account, by third parties using an analogue of a handwritten signature, documents confirming the authority of persons entitled to use an analogue of a handwritten signature;

d) licenses (patents) issued to an individual entrepreneur in accordance with the procedure established by the legislation of the Russian Federation for the right to carry out activities subject to licensing (regulation by issuing a patent), if these licenses (patents) are directly related to the client’s legal capacity to conclude an agreement on the basis of which a check.

To open a current account, an individual entrepreneur who is a foreign citizen shall additionally submit a migration card and (or) a document confirming the right of a foreign citizen or stateless person to stay (residence) in the Russian Federation, if their presence is provided for by the legislation of the Russian Federation.

4.8. To open a current account for an individual engaged in private practice in accordance with the procedure established by the legislation of the Russian Federation, the documents specified in subparagraphs "a" - "c" of clause 4.7 of these Instructions, as well as a certificate of registration with the tax authority, are submitted to the bank.

To open a current account, an individual engaged in private practice in accordance with the procedure established by the legislation of the Russian Federation, who is a foreign citizen, is additionally presented with a migration card and (or) a document confirming the right of a foreign citizen or stateless person to stay (residence) in the Russian Federation, in case if their presence is provided for by the legislation of the Russian Federation.

In order to open a current account, a notary or a lawyer must additionally submit a document confirming the empowerment of the notary (appointment to a position), issued by the justice authorities of the constituent entities of the Russian Federation, in accordance with the legislation of the Russian Federation, or a document certifying the lawyer’s registration in the register of lawyers, and a document confirming the institution lawyer's office, respectively.

4.9. To open a budget account for a legal entity, along with the documents provided for in subparagraphs "a", "c" - "e" of paragraph 4.1 of this Instruction, in cases established by the legislation of the Russian Federation, a document confirming the legal entity's right to bank services is submitted to the bank.

4.10. To open a correspondent account for a credit institution established in accordance with the legislation of the Russian Federation, the Bank of Russia shall submit the documents specified in subparagraphs "c" and "d" of paragraph 4.1 of this Instruction.

In order to open a correspondent account for a credit institution established in accordance with the legislation of the Russian Federation, the credit institution shall submit, along with the documents specified in Clause 4.1 of this Instruction, confirmation of the approval by the Bank of Russia of persons whose appointment to positions (assignment of duties) in accordance with the legislation of the Russian Federation Federation is subject to agreement with the Bank of Russia, when indicating these persons in the card.

4.11. In order to open a correspondent sub-account for a branch of a credit institution established in accordance with the legislation of the Russian Federation, in the cases established by Bank of Russia regulations, along with the documents specified in paragraph 4.3 of these Instructions, a notice is submitted to the credit institution about entering information about the opening of a branch in the State Register of registration of credit institutions and assignment of a serial number to it, as well as confirmation of the approval by the Bank of Russia of persons whose appointment to positions (assignment of duties) in accordance with the legislation of the Russian Federation is subject to approval by the Bank of Russia, when these persons are indicated in the card.

To open a correspondent sub-account for a branch of a credit institution established in accordance with the legislation of the Russian Federation, the Bank of Russia shall submit the documents specified in subparagraphs "c" and "d" of clause 4.1 of this Instruction.

4.12. To open a correspondent account in foreign currency or a special bank account for the Bank of Russia, a card (except for the cases provided for in Clause 1.12 of this Instruction) or an album is submitted to a credit institution.

4.13. In order to open accounts for the trust manager for transactions related to activities related to trust management (trust management accounts), the following shall be submitted to the bank:

a) the documents specified in this Instruction for opening an account for the relevant client;

b) an agreement on the basis of which trust management is carried out.

4.14. To open a special bank account, the same documents are submitted to the bank as for opening a current account, correspondent account or current account, subject to the requirements of the legislation of the Russian Federation.

When opening a special bank account for a bank paying agent, a bank paying subagent, a paying agent, a supplier, a credit institution must have information, respectively, on the agreement on engaging a bank paying agent (bank payment subagent), on the agreement on carrying out activities for accepting payments from individuals.

When opening a nominal account, escrow account, the bank must have information about the beneficiary and the basis for his participation in relations under the nominal account agreement, escrow account. The bank must have information about the pledgee in the pledge account.

The procedure for fixing the specified information is determined by the bank independently in the banking rules.

In order to open a debtor’s account in the cases provided for by the legislation of the Russian Federation on insolvency (bankruptcy), as well as to use the debtor’s account, the bankruptcy trustee submits an identity document, a copy of the judicial act approving the bankruptcy trustee in an insolvency (bankruptcy) case, a card (for except for the cases provided for in clause 1.12 of this Instruction).

To open an account of a citizen or an individual entrepreneur declared insolvent (bankrupt), as well as to dispose of the funds placed on the accounts and deposits of these persons, the financial manager shall submit an identity document, a copy of the judicial act approving the financial manager to participate in the implementation procedure property of a citizen, a card (except for the cases provided for in clause 1.12 of this Instruction).

4.15. State Corporation The "Deposit Insurance Agency" (hereinafter referred to as the "Agency"), in order to open, in cases provided for by the legislation of the Russian Federation, an account of an insurance company declared bankrupt in foreign currency, submits to a credit institution:

a) a copy of the decision arbitration court on declaring an insurance organization bankrupt and on opening bankruptcy proceedings;

b) a copy of the order of the Agency on the appointment of a representative (representatives) of the Agency to exercise the powers of the bankruptcy trustee of the insurance company;

c) the documents provided for in subparagraphs "c" and "d" of paragraph 4.1 of this Instruction.

Chapter 5. Opening accounts for deposits (deposits)

5.1. To open an account for a natural person - a citizen of the Russian Federation on a deposit in a bank, the following is submitted:

a) an identity document of an individual;

b) certificate of registration with the tax authority (if any).

If the bank deposit agreement provides for the possibility of transferring funds from the deposit account, a card is presented. At the same time, documents confirming the authority of the persons indicated in the card to dispose of the funds on the deposit account (if such authority is transferred to third parties) are submitted. If the agreement provides for the certification of the rights to dispose of funds on the deposit account by third parties using an analogue of a handwritten signature, documents confirming the authority of persons entitled to use an analogue of a handwritten signature are submitted.

In cases where, in order to open a deposit account, a bank has identified a client - an individual in the manner prescribed by paragraph 5.8 of Article 7 of Federal Law N 115-FZ, the documents provided for in subparagraphs "a" and "b" of this paragraph are not submitted.

5.2. To open a deposit account for an individual - a foreign citizen or stateless person, the documents specified in clause 5.1 of this Instruction, as well as a migration card and (or) a document confirming the right of a foreign citizen or stateless person to stay (residence) in the Russian Federation , if their presence is provided for by the legislation of the Russian Federation.

5.3. Opening a deposit account for a legal entity established in accordance with the legislation of the Russian Federation is carried out if the bank, in accordance with paragraph 1.2 of this Instruction, has information on the state registration of the legal entity, as well as information on registration with the tax authority.

5.4. To open a legal entity established in accordance with the laws of a foreign state and located outside the territory of the Russian Federation, a deposit account is submitted to the bank with documents confirming the legal status of this legal entity under the legislation of the country in which the legal entity was created, in particular , documents confirming its state registration, and in cases provided for by the legislation of the Russian Federation, also a certificate of registration with a tax authority.

5.5. To open a deposit account for an individual entrepreneur, a document proving the identity of an individual is submitted to the bank.

5.5.1. To open an individual who is engaged in private practice in accordance with the procedure established by the legislation of the Russian Federation, a deposit account with a bank is submitted:

a) an identity document of an individual;

b) certificate of registration with the tax authority.

The notary shall additionally submit a document confirming the empowerment of the notary (appointment to a position), issued by the justice authorities of the constituent entities of the Russian Federation, in accordance with the legislation of the Russian Federation. The lawyer additionally submits a document certifying the registration of the lawyer in the register of lawyers, as well as a document confirming the establishment of a lawyer's office.

5.6. To open a deposit account for an individual entrepreneur or an individual engaged in private practice in accordance with the legislation of the Russian Federation, who are foreign citizens, in addition to the documents specified in paragraphs 5.5 and 5.5.1 of these Instructions, respectively, a migration card and (or) a document confirming the right of a foreign citizen or stateless person to stay (residence) in the Russian Federation, if their presence is provided for by the legislation of the Russian Federation.

Chapter 6

6.1. To open a public deposit account of the court, the following are submitted to the bank:

a) a document defining the legal status of the judicial authority for which the account is opened;

b) a card (except for the cases provided for in clause 1.12 of these Instructions);

6.2. To open a public deposit account of the bailiff service, the following are submitted to the bank:

a) a document on the legal status of the bailiff service unit for which the account is opened;

b) a card (except for the cases provided for in clause 1.12 of these Instructions);

c) documents confirming the powers of the persons indicated in the card to dispose of the funds on the account, and in the case when the agreement provides for the certification of the rights to dispose of the funds on the account using an analogue of a handwritten signature, documents confirming the powers of persons, entitled to use an analogue of a handwritten signature.

6.3. To open a public deposit account of another body or person, the following shall be submitted to the bank:

a) a document on the legal status of the body for which the account is opened, or an identity document of the person for whom the account is opened, and a document confirming his status as a person who, in accordance with the law, can accept funds on deposit;

b) a card (except for the cases provided for in clause 1.12 of these Instructions);

c) documents confirming the powers of the persons indicated in the card to dispose of the funds on the account, and in the case when the agreement provides for the certification of the rights to dispose of the funds on the account using an analogue of a handwritten signature, documents confirming the powers of persons, entitled to use an analogue of a handwritten signature.

6.4. To open a public deposit account of a notary, the following must be submitted to the bank:

a) an identity document of an individual;

b) a card (except for the cases provided for in clause 1.12 of these Instructions);

c) a document confirming the empowerment of a notary public (appointment to a position), issued by the justice authorities of the constituent entities of the Russian Federation, in accordance with the legislation of the Russian Federation.

Chapter 7. Signature and Seal Sample Card

7.1. The card is submitted by the client to the bank in the cases provided for by this Instruction, together with other documents necessary for opening an account.

The card is issued in accordance with Form N 0401026 according to OKUD (All-Russian classifier of management documentation OK 011-93), given in Appendix 1 to this Instruction.

In the cases provided for in the banking rules, the card can be issued in the form established by the banking rules and in without fail containing information to be included in the fields "Client (account holder)", "Bank mark", "Abbreviated name of the client (account holder)", "Last name, first name, patronymic", "Sample signature", "Fill date", "Signature of the client", "Sample seal impression", "Place for a certification inscription on the evidence of the authenticity of signatures" of the card, drawn up in accordance with the second paragraph of this paragraph. The card, the form of which is established by the banking rules, may contain other information provided for by the banking rules.

In the case of using a card, the form of which is established by banking rules, the information to be included in the fields "Location (place of residence)", "tel. N", "N account", "Term of authority", "Cheques issued" of the card issued in accordance with the second paragraph of this clause, is included in the card, or the procedure for fixing, storing, updating such information, providing access to it when servicing the client's account, is determined in the banking rules.

7.2. The card is filled in using a typewriter or an electronic computer in black font or a pen with black, blue or purple paste (ink). The use of a facsimile signature to fill in the fields of the card is not allowed.

7.3. The bank makes the number of copies of the card necessary for use in the work. The use of copies of the card obtained on a copying technique is allowed provided that the copying is made without distortion.

Copies of the card made on paper must be certified by the signature of the chief accountant of the bank (his deputy) or a bank employee authorized by the bank's administrative act to draw up the card in accordance with paragraph 7.10 of this Instruction (hereinafter referred to as the authorized person).

Instead of copies, it is possible to use several copies of the cards provided by the client.

When servicing several client accounts by the bank and subject to the coincidence of the list of persons entitled to sign, the bank has the right not to require the issuance of a card for each account in the cases and in the manner provided for in the banking rules.

In the cases and in the manner provided for in the banking rules, the bank may use a copy of the card obtained using scanning devices, certified by an analogue of the handwritten signature of the bank's chief accountant (his deputy) or an authorized person. At the same time, it should be possible to reproduce without distortion a copy of a card obtained using scanning devices on paper.

7.4. Forms of cards are made by clients, bank independently.

An arbitrary number of lines is allowed in the fields "Client (Account Owner)", "Cash checks issued", "Other notes", "Last name, first name, patronymic" and "Sample signature", taking into account the number of persons entitled to sign, as well as in the field "N account" in the case provided for in clause 7.3 of this Instruction.

When making a card, an interlinear indication of the translation of the fields of the card in the languages ​​of the peoples of the Russian Federation, as well as in foreign languages, is allowed.

The field "Sample seal impression" should provide for the possibility of putting a seal impression without going beyond the boundaries of this field.

7.5. The card shall indicate the person (persons) endowed with the right to sign.

The right to sign belongs to the client - an individual, an individual entrepreneur, an individual engaged in private practice in accordance with the procedure established by the legislation of the Russian Federation.

The right to sign may belong to individuals on the basis of an appropriate power of attorney issued in cases and in the manner established by the legislation of the Russian Federation, by an individual, an individual entrepreneur, an individual engaged in private practice in accordance with the procedure established by the legislation of the Russian Federation.

The right to sign belongs to the sole executive body of the client - legal entity (sole executive body), as well as other employees (employees) vested with the right to sign by the client - legal entity, including on the basis of an administrative act, power of attorney.

The signing right may belong only to employees (employees) of the client - a legal entity, except for the cases established by paragraphs nine - eleven of this clause.

The head of a separate subdivision of a client - a legal entity, if he has the appropriate authority, has the right, by his administrative act or on the basis of a power of attorney, to give the right to sign the employees (employees) of this separate subdivision.

In accordance with Article 11.1 of the Federal Law "On Banks and Banking Activity", the disposal of funds held on the accounts of a credit institution opened with the Bank of Russia may be assigned only to persons agreed in accordance with the procedure established by parts six through eight of the said article.

The right to sign may be transferred to a clearing organization, a payment system operator, a central payment clearing counterparty, a managing or managing organization, a bankruptcy trustee, and persons providing accounting services.

If the managing organization that performs the functions of the sole executive body grants its employees (employees) or employees (employees) of the client - legal entity the right to sign on behalf of the client - legal entity, such a right may be granted on the basis of an administrative act of the managing organization or a power of attorney.

The sole executive body of the managing organization may act as the person entitled to sign.

The card submitted by the client - legal entity shall contain at least two handwritten signatures required for signing documents containing the client's order, unless a different number of signatures is determined by agreement between the bank and the client - legal entity.

Possible combinations of handwritten signatures of persons entitled to sign, necessary for signing documents containing the client's order, are determined by an agreement between the bank and the client.

7.6. The sole executive body of a client - a legal entity, an individual entrepreneur, may not be indicated in the card as persons entitled to sign, provided that other persons are granted the right to sign.

7.7. To issue a card, only documents confirming the status of the persons indicated in the card are submitted to the embassy or consulate. If an international agreement ratified in accordance with the procedure established by the legislation of the Russian Federation provides for the right of an official of an embassy or consulate to authenticate the signatures of employees of the relevant embassy or consulate, then the bank accepts a card in which the authenticity of the signatures of these employees is certified by the specified official.

7.8. The sample imprint of the seal affixed by the client to the card must correspond to the seal that the client has.

The provisional administration for the management of a credit organization shall have the right to affix an imprint of a seal made in accordance with the legislation of the Russian Federation, which determines the procedure for the activities of the provisional administration for the management of a credit organization.

The bankruptcy commissioner (liquidator), the external administrator shall have the right to affix an imprint of the seal used by him in the implementation of bankruptcy proceedings (liquidation), external administration.

7.9. The authenticity of handwritten signatures of persons entitled to sign may be certified by a notary. The Bank accepts a card in which the authenticity of the signatures of all persons entitled to sign is certified by one notary.

7.10. The card can be issued without notarization of the authenticity of signatures in the presence of an authorized person in the following order.

7.10.1. The authorized person establishes the identity of the persons indicated in the card on the basis of the submitted identity documents.

7.10.2. The authorized person establishes the powers of the persons indicated in the card on the basis of studying the constituent documents of the client, as well as documents on vesting the person with the appropriate powers.

7.10.3. The persons indicated in the card, in the presence of an authorized person, put their own signatures in the corresponding field of the card. Blank lines are filled with dashes.

7.10.4. The authorized person, in confirmation of the signatures of the persons indicated in the card in his presence, fills in the field "Place for the certification inscription on the certification of the authenticity of signatures" of the card in the bank's premises in the manner prescribed by paragraph 2.9 of Appendix 2 to this Instruction.

7.11. The card is valid until the termination of the bank account agreement, deposit (deposit) account, public deposit account, or until it is replaced by a new card.

In the event of replacement or addition of at least one signature and (or) replacement (loss) or termination of the use of the seal, the imprint of which is affixed to the card, changes in the surname, name, patronymic of the person indicated in the card, in cases of changing the name, legal form of the client - a legal entity or in case of early termination (suspension) of the powers of the client's management bodies in accordance with the legislation of the Russian Federation, the client presents a new card.

The presentation of a new card to the bank must be accompanied by the simultaneous submission of documents confirming the authority of the persons indicated in the card to dispose of the funds on the account, as well as documents proving the identity of the person (persons) vested with the right to sign. The Bank is not entitled to accept a new card without presenting the said documents, except for the cases when the said documents were submitted to the Bank earlier and the Bank already has them.

7.12. The Bank is entitled to make changes in the fields "Location (place of residence)", "tel. N" of the card upon a written application of the client.

The Bank has the right to independently make changes to the fields "Bank", "Mark of the bank", "Account number", "Term of authority", "Cash checks issued" of the card.

Cases when it is allowed to make changes to the fields "Location (place of residence)", "tel. N", "Bank", "Bank mark", "N account", "Term of authority", "Cheques issued" of the card are determined bank in banking rules.

The Bank has the right to make corrections in the fields of the card, drawn up in accordance with the procedure established by paragraph 7.10 of these Instructions, when filling in which errors were made.

The procedure for making changes and corrections to the fields of the card is determined by the bank independently in the banking rules. When making changes and corrections, strikethrough of the text is carried out with a thin line so that you can read the strikethrough.

7.13. If the right to sign is granted temporarily to persons not specified in the card, as well as in the case of temporary use of an additional seal, the card shall be accompanied by temporary cards drawn up in the manner prescribed by this Instruction. In this case, in the upper right corner on the front side of the card, the mark "Temporary" is put down.

7.14. The front and back sides of the card are filled in in the manner prescribed by Appendix 2 to this Instruction.

7.15. Under an escrow account, the right to sign can be transferred to the beneficiary of the escrow account on the basis of an escrow account agreement, another agreement under which the bank is the escrow agent. In this case, a card is presented to the bank, for the purpose of issuing which the beneficiary of the escrow account is considered as a client of the bank.

Chapter 8. Closing a bank account

8.1. The basis for closing a bank account is the termination of the bank account agreement, including in the case established by paragraph three of clause 5.2 of Article 7 of Federal Law N 115-FZ.

8.2. After the termination of the bank account agreement, credit and debit operations on the client's account are not carried out, with the exception of the operations provided for in clause 8.3 of this Instruction. The funds received by the client after the termination of the bank account agreement are returned to the sender.

8.3. After the termination of the bank account agreement, before the expiration of seven days after receiving the relevant written application from the client, the bank issues the balance of funds from the bank account to the client in cash or transfers funds by payment order.

In the event that the client fails to appear to receive the balance of funds on the bank account within sixty days from the date of sending, in accordance with paragraph one of paragraph 3 of the article, the bank sends the client a notice of termination of the bank account agreement or the bank fails to receive, within the specified period, the client's instructions to transfer the amount of the balance of funds to another account, the bank is obliged, in accordance with paragraph one of clause 6 of Article 859 of the Civil Code of the Russian Federation, to credit funds to a special account with the Bank of Russia opened in accordance with the Instruction of the Bank of Russia dated July 15, 2013 N 3026-U "On a special account with the Bank Russia", registered by the Ministry of Justice of the Russian Federation on August 16, 2013 N 29423 ("Bulletin of the Bank of Russia" dated August 28, 2013 N 47).

8.4. In connection with the termination of the bank account agreement, the client is obliged to hand over to the bank unused cash checkbooks with the remaining unused cash checks and stubs in the manner prescribed by the legislation of the Russian Federation.

8.5. In the absence of funds in the bank account, an entry on the closure of the relevant personal account is made in the Book of Registration of Open Accounts no later than the business day following the day the bank account agreement is terminated, unless otherwise provided by the legislation of the Russian Federation.

The presence of restrictions on the disposal of funds in a bank account, provided for by the legislation of the Russian Federation, in the absence of funds in the bank account, does not prevent making an entry on the closure of the corresponding personal account in the Book of Registration of Open Accounts.

If there are funds on the bank account on the day of termination of the bank account agreement, an entry on the closure of the corresponding personal account is made in the Book of Registration of Open Accounts no later than the business day following the day the funds are debited from the bank account.

In case of termination of the bank account agreement in the presence of restrictions provided for by the legislation of the Russian Federation on the disposal of funds in the bank account and in the presence of funds in the account, an entry on the closure of the corresponding personal account in the Book of Registration of Open Accounts is made after the cancellation of these restrictions no later than the working day following day of debiting funds from the bank account.

The presence of unfulfilled orders for the transfer of funds does not prevent the termination of the bank account agreement and the entry of an entry on the closure of the corresponding personal account in the Book of Registration of Open Accounts.

8.6. In order to close the debtor's bank account in the course of bankruptcy proceedings, in the course of the sale of the property of a citizen, including an individual entrepreneur, declared insolvent (bankrupt), the bankruptcy trustee (financial manager) shall submit an identity document, a copy of the judicial act approving the bankruptcy trustee in the case of insolvency (bankruptcy) (on the approval of a financial manager to participate in the procedure for the sale of a citizen's property), a written application for closing a bank account indicating the details of the bank account to which the balance of funds in the account is to be transferred, details of the recipient's bank. If the order to transfer the balance of funds on the bank account is drawn up and signed by the bank, the card is not submitted to the bank.

8.7. When terminating the nominal account agreement, the bank transfers the balance of funds by payment order to another nominal account of the client - account holder or issues it to the beneficiary in cash, or (unless otherwise provided by law or the nominal account agreement or follows from the essence of the relationship) transfers the payment order by indicating the beneficiary to another account.

Unless otherwise provided by the agreement of the client-depositor and the beneficiary, upon termination of the escrow account agreement, the bank issues the balance of funds on the account to the client-depositor in cash or transfers funds to the client-depositor by a payment order or, if there are grounds for transferring funds to the beneficiary, it issues to the beneficiary in cash or transfers funds to the beneficiary by payment order.

Chapter 9. Closing of a deposit (deposit), deposit account

9.1. The basis for closing a deposit (deposit) account is the termination of the deposit (deposit) agreement, including in the case established by paragraph three of clause 5.2 of Article 7 of Federal Law N 115-FZ.

An entry on the closure of the corresponding personal account in the Book of Registration of Open Accounts is made by the bank on the day of the appearance of a zero balance on the deposit (deposit) account, unless otherwise provided by the deposit (deposit) agreement.

9.2. Closing of public deposit accounts of notaries, bailiffs, courts, other bodies or persons is carried out in accordance with this chapter, unless otherwise established Civil Code Russian Federation.

Chapter 10

10.1. A legal case is formed by the bank for each client account.

One legal case can be formed on several client accounts. The cases and procedure for the formation of one legal case on several customer accounts are determined by the bank in the banking rules.

The client's legal case is assigned a serial number in accordance with banking rules.

If the person who applied to the bank to open an account is a representative of several clients, the bank has the right to place copies of documents (or information about their details) proving the identity of the representative, as well as documents confirming that he has the appropriate authority, in the legal file of one of clients in whose interests the representative acts. At the same time, the legal files of other clients must contain information indicating the legal file in which the specified documents of the representative of these clients are placed. The cases and procedure for the formation of legal cases of clients, on behalf of which one representative acts, are determined by the bank in the banking rules.

10.2. In a legal case are placed:

documents and information submitted by the client (his representative) when opening an account, as well as documents submitted in case of changes in the specified information;

contract (contracts) of a bank account, deposit (deposit), deposit account, amendments and additions to the said contract (s), other contracts defining the relationship between the bank and the client on opening, maintaining and closing an account;

documents relating to the bank's sending messages to the tax authority on the opening (closing) of an account;

correspondence between the bank and the client on opening, maintaining and closing an account;

expired cards;

other documents relating to the relationship between the client and the bank on opening, maintaining and closing an account.

The cards presented and used in customer service shall be stored in a place determined by the bank itself.

10.3. When seizing (seizure) of a document (its copy) in cases established by the legislation of the Russian Federation, on the basis of a decision (decree) of the state body, documents received by the bank during the seizure (seizure) of the document (its copy) are placed in the legal file.

When compiling one document, when seizing (seizure) documents from several legal cases, the document (its copy) received by the bank when seizing (seizure) documents is placed in one of the legal files, copies of the specified document certified by the bank are placed in other legal cases.

When seizing (withdrawing) a document (its copy) from a legal file, the bank is obliged to take all necessary and possible measures in the circumstances to place in the legal file a copy of the document being withdrawn, certified in the manner prescribed by paragraph 1.11 of these Instructions.

10.4. The Bank is obliged to exclude unauthorized access to the legal files of clients during their storage.

10.5. In the event of termination of customer service in one division of the bank and transferring him for servicing to another division of the bank, the legal case may be transferred from one division of the bank to another in the manner prescribed by banking rules.

10.6. Legal cases are kept by the bank during the entire period of validity of the bank account agreement, deposit (deposit), deposit account, and after the termination of relations with the client - for the period established by the legislation of the Russian Federation.

The terms for storing documents (their copies) in electronic form relating to the relationship between the bank and the client on opening, maintaining and closing an account must be no less than the terms for storing the relevant legal file of the client.

Chapter 11. Banking rules

11.1. Banking rules are an internal document of a credit institution and include the following provisions:

on the distribution of competence in the field of opening and closing accounts among the structural subdivisions of the credit institution, including the procedure for maintaining and storing the Book of Registration of Open Accounts;

on the procedure for opening and closing accounts, taking into account the requirements established by this Instruction, as well as on organizing work to comply with the requirement for the personal presence of a person opening a bank account (deposit account) or his representative when opening a bank account (deposit account) for an individual ;

on the procedure for the preparation by the credit institution of documents used in opening and closing accounts, as well as the procedure for the preparation and certification by the credit institution of copies of documents submitted by the client;

about the rules of document flow from the moment of receipt of documents from the client (his representative) until the moment the account number is communicated to the client;

on the organization of work on the preparation and sending of notifications to the tax authority on opening or closing an account, on changing the details of an account;

on the procedures for accepting documents for opening accounts, including the procedure for documenting information on the state registration of individual entrepreneurs, legal entities registered in accordance with the legislation of the Russian Federation (with the exception of state authorities and local governments), on accreditation of branches (representative offices) of foreign legal entities, as well as documenting information about the registration with the tax authority of these persons and foreign non-profit non-governmental organizations operating in the territory of the Russian Federation through branches;

on the form and procedure for issuing a card;

on the procedure for obtaining and issuing a sample signature of a client - an individual in the case provided for in paragraph six of clause 1.12 of these Instructions;

on the procedure for notifying customers about the details of their accounts;

on the procedure for recording and storing documents (their copies) received when opening, maintaining and closing accounts (including in electronic form);

on the cases and procedure for the formation of one legal case on several client accounts;

on the procedure for access to legal cases of clients;

on the procedure for the transfer of legal cases in the divisions of the credit institution;

on the procedure for updating information about clients and persons, information about which must be established when opening an account;

on the procedure for fixing information on an agreement on engaging a bank payment agent (bank payment subagent), on an agreement on carrying out activities for accepting payments from individuals;

on the procedure for recording information about the beneficiary and on the grounds for his participation in relations under the nominal account agreement, escrow account, about the pledge holder on the pledge account.

Banking rules may include other provisions relating to the opening and closing of accounts, as well as procedures related to the opening and closing of accounts.

11.2. Banking rules cannot contain provisions that contradict the legislation of the Russian Federation.

11.3. In order to organize the work of opening and closing accounts, the divisions of the Bank of Russia are entitled to accept internal documents containing the provisions specified in paragraph 11.1 of this Instruction, in compliance with the requirements established by paragraph 11.2 of this Instruction.

Chapter 12. Final Provisions

12.2. Reissuance of cards accepted by the bank prior to the entry into force of this Instruction is not required. In this case, the documents containing the client's order are signed by the person with the right of the first signature and the person with the right of the second signature (if available in the card).

Banking rules may establish the use of card forms that were used before the entry into force of this Instruction. In this case, the fields "Surname, name, patronymic" and "Sample signature" opposite the field "Second signature" of such cards are not subject to filling.

12.3. Internal documents in force on the date of entry into force of this Instruction must be brought into line with its requirements within three months from the date of entry into force of this Instruction.

12.4. From the date of entry into force of this Instruction, to recognize as invalid:

Instruction of the Bank of Russia dated September 14, 2006 N 28-I of accounts, accounts on deposits (deposits)", registered by the Ministry of Justice of the Russian Federation on October 18, 2006 N 8388 ("Bulletin of the Bank of Russia" dated October 25, 2006 N 57);

Instruction of the Bank of Russia dated May 14, 2008 N 2009-U "On Amendments to Instruction of the Bank of Russia dated September 14, 2006 N 28-I "On the Opening and Closing of Bank Accounts, Accounts for Deposits (Deposits)", registered by the Ministry of Justice of the Russian Federation May 30, 2008 N 11786 ("Bulletin of the Bank of Russia" dated June 11, 2008 N 32);

Bank of Russia Ordinance No. 2342-U dated November 25, 2009 "On Amendments to Bank of Russia Instruction No. 28-I dated September 14, 2006 "On Opening and Closing Bank Accounts, Deposit Accounts", registered by the Ministry of Justice of the Russian Federation December 14, 2009 N 15591 ("Bulletin of the Bank of Russia" dated December 23, 2009 N 74);

Ordinance of the Bank of Russia dated August 28, 2012 N 2868-U "On Amendments to Instruction of the Bank of Russia dated September 14, 2006 N 28-I "On the Opening and Closing of Bank Accounts, Accounts for Deposits (Deposits)", registered by the Ministry of Justice of the Russian Federation September 21, 2012 N 25515 ("Bulletin of the Bank of Russia" dated September 26, 2012 N 58).

Chairman Central Bank
Russian Federation
E.S.NABIULLINA

Attachment 1
to the Instruction of the Bank of Russia
dated May 30, 2014 N 153-I
"On the opening and closing of banking
accounts, deposit accounts

┌────────────┐ │ Form code │ │ document │ │ OKUD │ ├────────────┤ │ 0401026 ─────┘ Signature and seal sample card ┌────────────────────────────┐ Client (account holder)_________ │ Mark bank │ _______________________________________________ │ │ _____________________________________________ │ ______________________ │ _____________________________________________ │ (signature) │ │ │ │ "__" _________ 20__ │ Location (place of residence) _________ ├──────────────── ────────────┤ _____________________________________________ ──────────────────────┤ _____________________________________________ Tel. Bank ─────────────┤ _____________________________________________ │ Other marks │ _____________________________________________ │ │ _____________________________________________ ├──────────────────────────── ─┤ _____________________________________________ ├─────────────────────────────┤ _____________________________________________ ───────────┤ _____________________________________________ ├────────────────────────────┤ ____________________________________________ ─────────────────────────────────────────────────────── ┘ Reverse side ___________________________________________ Account N _______________________ (abbreviated name of the client (account holder))

Full Name

Signature example

Term of office

Date of completion

Print sample

Signature of the client (account holder)

Place for a certification inscription on the evidence of the authenticity of signatures

Checks issued

date of

with N

by N

date of

with N

by N

Annex 2
to the Instruction of the Bank of Russia
dated May 30, 2014 N 153-I
"On the opening and closing of banking
accounts, deposit accounts
(deposits), deposit accounts"

ORDER
COMPLETING THE CARD WITH SAMPLES OF SIGNATURES AND THE STAMP IMPRESSION

1. The fields on the front side of the card are filled in in the following order:

1.1. In the field "Client (account holder)":

the client - a legal entity indicates the full name in accordance with its constituent documents. In the case of opening an account for a legal entity for transactions by its branch, representative office, the full name of the legal entity in accordance with its constituent documents and after a comma - the full name of the separate subdivision in accordance with the regulation on the separate subdivision approved by the legal entity;

a client - an individual indicates in full his surname, first name, patronymic (if any), date of birth;

the client - an individual entrepreneur indicates in full his last name, first name, patronymic (if any), date of birth, and also makes an entry "individual entrepreneur";

client - an individual engaged in private practice in accordance with the procedure established by the legislation of the Russian Federation, indicates in full his last name, first name, patronymic (if any), date of birth, as well as type of activity (for example, a lawyer, notary, arbitration manager).

1.2. In the field "Location (place of residence)":

a client - a legal entity indicates the address at which communication is carried out with the person exercising the functions of the sole executive body of the legal entity. Client - an individual, an individual entrepreneur indicates the address of the place of residence (registration) or place of stay;

a client - an individual engaged in private practice in accordance with the procedure established by the legislation of the Russian Federation, indicates the address of his direct activity or the address of the place of residence (registration) or place of stay.

1.3. In the "tel. N" field, the client specifies the phone number. Multiple customer phone numbers are allowed.

1.4. The "Bank" field shall contain the full company name or abbreviated company name of the credit institution or the name of the Bank of Russia division in which the account is opened.

1.5. In the "Bank's mark" field, after assigning the corresponding number to the account by the chief accountant or his deputy or another person who has the right to make an entry about the opening of an account for the client in the Book of registration of open accounts provided by the bank's order document, a handwritten signature and the date from which the card is used are affixed.

1.6. In the "Other notes" field, the bank may indicate information on the provision of temporary cards, on the period of time during which they are valid, on cases of their replacement, the procedure and frequency of issuing account statements, as well as other information required by the bank.

2. The fields on the reverse side of the card are filled in in the following order.

2.1. In the field "Abbreviated name of the client (account holder)":

a client - a legal entity indicates its abbreviated name in accordance with its constituent documents or the abbreviated name of a branch, representative office of a legal entity in accordance with the regulation on the branch, representative office approved by the legal entity. In the absence of an abbreviated name, the full name of the client - legal entity (branch, representative office) is indicated;

client - an individual indicates in full his last name, first name, patronymic (if any);

a client - an individual entrepreneur indicates in full his last name, first name, patronymic (if any), and also makes an entry "individual entrepreneur";

client - an individual engaged in private practice in accordance with the procedure established by the legislation of the Russian Federation, indicates in full his last name, first name, patronymic (if any), and also indicates the type of activity (for example, a lawyer, a notary).

Filling in the field "Abbreviated name of the client (account holder)" is also allowed in Latin letters without line-by-line translation into Russian.

In the "Abbreviated name of the client (account holder)" field, it is allowed to indicate the abbreviated name of the client provided for by the agreement between the bank and the client.

2.2. In the "N account" field, after making an entry about the opening of an account for a client in the Book of registration of open accounts, the chief accountant, his deputy or another person who has been granted the right to make an entry about opening an account for a client in the Book of registration of open accounts, puts down the assigned account number.

2.3. In the field "Last name, first name, patronymic" the full surname, first name, patronymic (if any) of the persons entitled to sign are indicated.

2.4. In the "Signature Sample" field, a handwritten signature opposite their last name, first name or patronymic (if any) is affixed by persons entitled to sign.

2.5. The "Term of authority" field is intended to control the term of office of persons entitled to sign, established on the basis of the constituent documents, the client's administrative act or the power of attorney issued by him. The cases and procedure for filling in the field "Term of authority" by the bank are determined by the bank in the banking rules.

2.6. In the "Date of filling" field, the client indicates the day, month and year of issuing the card.

2.7. In the "Signature of the client (account holder)" field, the following is entered:

handwritten signature of the sole executive body of the client - a legal entity or a person performing its duties, which, in accordance with the law and constituent documents, carries out representation without a power of attorney;

handwritten signature of the manager (the sole executive body of the managing organization) if the powers of the sole executive body of the client are transferred in the manner prescribed by the legislation of the Russian Federation to the manager (managing organization);

handwritten signature of a person who is a representative of the client acting on the basis of a power of attorney to open an account. At the same time, this field indicates the number (if any) and the date of the corresponding power of attorney;

handwritten signature of a client - an individual, a client - an individual entrepreneur or a client - an individual engaged in private practice in accordance with the procedure established by the legislation of the Russian Federation.

2.8. In the "Sample Seal Impression" field, clients - legal entities, individual entrepreneurs, individuals engaged in private practice in accordance with the procedure established by the legislation of the Russian Federation, have the right to put a sample of the seal imprint that they will use.

The imprint of the seal affixed to the card must be legible.

If a legal entity, an individual entrepreneur, an individual engaged in private practice in accordance with the procedure established by the legislation of the Russian Federation, does not have a seal, or if they decide not to put a seal impression on the sample card, the field "Sample seal impression" is not filled in, or it may indicate, that the seal is missing or not being used.

Clients - individuals do not fill in the field "Sample seal impression".

2.9. In the field "Place for the certification inscription on the evidence of the authenticity of signatures" the certification inscription is made by a notary in accordance with the requirements established by the legislation of the Russian Federation. The authorized person fully indicates his position, surname and initials, surname and initials of the person (persons), whose signatures are made in his presence, indicates the date and affixes his own signature with the seal (stamp) of the bank, determined for these purposes by the administrative act of the bank.

2.10. In the "Issued cash checks" field, the bank shall indicate the date of issue and numbers of cash checks issued by a credit institution (branch) or a division of the Bank of Russia to customers. The field "Cash checks issued" can be made in the form of a separate sheet (sheets) attached to the card.