Documents for opening a special account in a savings bank. Learning to open a special account in Sberbank for the state defense order
Participation in the state defense order is the same business as others. But there are some nuances. The head contractor is obliged to open a special bank account functioning in individual mode. The special account is used by the state in order to ensure maximum transparency of transactions and protect the interests of both parties. Reservation of an account with Sberbank for the state defense order is possible on the basis of federal law No. 44 of 04/05/2013. Credit institution is among the authorized banks for the implementation of this procedure.
Each financial institution establishes its own rules for such an operation. When reserving an account with the Savings Bank, non-cash funds for the state defense order are accepted on the day of its opening.
The contractor is given five days to collect the necessary documentation, if within specified period the papers are not received, the money is returned to the customer, the special account is closed. You can make a reservation online, without visiting the bank office.
How can I use a special account
You can spend the funds stored in an account with Sberbank only to pay an advance for the work performed, or to meet the needs of the implementation of the state order.
The write-off occurs after a special order, which indicates the number of the identifier of the government contract, the transfer is made to a special account for the State Defense Order. However, there are some exceptions:
- Payments to the budget, such as taxes or insurance;
- Paying fees for products whose cost is regulated by the state;
- Settlement with foreign contractors who took part in the defense order;
- Receipt of income specified in the agreement and approved by both parties to the agreement;
- Other expenses not exceeding three million rubles.
In accordance with Article 76 Tax Code The Russian Federation may suspend operations on a special account to recover overdue contributions. After the bank receives a notification from the customer that the contract has been successfully completed, the account service is terminated.
What operations cannot be performed?
From special accounts it is forbidden to make payments for loans and borrowings, except for those payments that are specified in the contract. It is impossible to issue funds to individuals, with the exception of compensation payments employees or transfer to them wages.
The money kept on the account cannot be:
- spend on charity
- contribute to authorized capital third party company;
- spend on foreign currency precious metals or shares;
- transfer to a settlement account in a third-party bank;
- be used to enforce the agreement on the assignment of the right to claim.
It is forbidden to keep money on deposits if the amount and the interest accrued on it are not credited to a special account. They also cannot be used to enforce the contract.
It is allowed to write off according to such executive documents as:
- Payment of wages or severance pay;
- Compensation for damage to health or life;
- Payments to the budget of the Russian Federation.
Banking support
In order for the participants in the execution of the agreement to be able to settle through a special account, it is necessary to sign an agreement on banking support. Reserving a separate settlement account for the state defense order with Sberbank can be done in just five minutes.
- Use the online reservation service (special account will be available immediately);
- Provide to the office within a year savings bank a package of necessary documentation;
- After all papers are verified, you will be able to conduct transactions.
You will also need to apply for in electronic format on joining Sberbank Business Online. To create an application, follow the step-by-step instructions:
- Go to the Personal Account;
- Find the category "Services" - "Application";
- In the list, select the line "Application for accession";
- Create a document by filling in all the required fields;
- Select the type of deposit, specify its size, currency type, placement period and rate;
- Confirm acceptance of the terms of placement and save the information;
- A password will come to the phone, it must be entered in a special field - this is an analogue of an electronic signature.
A sample application can be printed out in Sberbank Business Online, only all fields will have to be filled in manually.
Conclusion
You can reserve an account with Sberbank under the state defense order through Internet banking or by contacting specialists for help. contact center by number 8-800-555-57-77.
A special account for the state defense order is a special settlement account that is opened in an authorized bank by the head executor who has concluded a contract with the Ministry of Defense of the Russian Federation, that is, for the execution of the state defense order (Federal Law No. 275 of December 29, 2012). The goal of the state is to ensure transparency and protection of mutual settlements between the parties to the transaction, protect information, use banking tools to control the targeted use of budget funds.
The contractor can open it in advance in one of the authorized banks:
- JSC "AB" RUSSIA ".
- Bank GPB (JSC).
- PJSC "Bank" Saint-Petersburg".
- VTB Bank (PJSC).
- PJSC "Sberbank"
- JSCB "NOVIKOMBANK"
- JSC Rosselkhozbank.
Each bank has its own rules for such a transaction. If Sberbank provides account reservation, the state defense order is paid faster, since money can be received before concluding an agreement with the bank. The contractor has 5 working days to collect the package of documents, otherwise the bank will return the money to the customer and cancel the account. You can reserve an account with Sberbank under the state defense order online.
In the case when VTB provides account reservation, the state defense order is financed by the customer only after the direct opening of a special account.
Single Account Mode
The main question of the owner of a special account for the state defense order is how to spend money?
The contractor has the right to spend money only on the advance payment for work and on meeting the needs of the state defense order.
Funds are debited when the number of the state contract identifier is indicated in the order and only to a special account for the state defense order. But there are exceptions, for example:
- budget payments (taxes, insurance premiums, customs and other fees).
- Payment for goods and services, the prices of which are regulated by the state. The list is approved by the Government of the Russian Federation.
- Settlements with foreign contractors who participate in the state defense order.
- Receipt of profit established in the state contract and agreed between the customer and the contractor after the transfer of the relevant act to the bank.
- Other expenses not exceeding 3 million rubles. per month.
Art. 76 of the Tax Code of the Russian Federation allows you to stop operations on such a current account for the collection of taxes, penalties or fines.
It is closed after the authorized bank receives a notification from the customer about the execution of the contract under the state defense order.
What operations are not allowed
For special accounts, operations on credits and loans are prohibited, except for the amounts that are listed in the deal for the state defense order. It is also impossible to issue money to individuals, with the exception of the payment of compensations and salaries to employees with simultaneous payment necessary taxes and fees.
From the funds that are stored on a special account for the state defense order, it is impossible:
- carry out charity;
- form the authorized capital of a third-party organization;
- acquire foreign currency, securities and precious metals;
- to execute the contract on the assignment of the right to claim;
- make transfers to other accounts, even in authorized banks.
It is also forbidden to place funds on deposits if the interest and the amount of the deposit are not returned to the same special account. Or use the money to deposit a performance bond.
Write-off in favor executive documents maybe:
- to compensate for harm to life and health;
- to pay severance pay or wages;
- when recovering in the income of the Russian Federation.
For customers and executors of public procurement, this year has become a turning point, as a lot of changes have appeared in the legislation regarding entrepreneurs and legal entities that apply to participate in the auction. One of the important innovations concerns the establishment and use of a special account to secure one's own applications. Who, where and when should open them, how to apply them in their activities?
A special account is a target current account opened and maintained by banks on the basis of requirements and regulations established by law. In Russia, their use is not new. Special bank accounts are used by paying agents, notaries and other persons. But for participants in public procurement, such tools are still incomprehensible.
The very need to use a special account for purchases arose from July 1, 2018, after the entry into force of numerous innovations of Federal Law No. 44-FZ. In fact, the obligation to use this instrument appeared on October 1, 2018.
In the field of public procurement, a special bank account is used as one of the formats for providing applicants with their own applications for participation in competitions and auctions. And if we are talking about electronic trading, then there is no alternative to such a deposit of money (with paper-based collateral in the form of depositing funds or providing bank guarantee installed by the customer).
Only the owner of the account can use it. It is impossible to provide security for someone else's application from your own account - each participant must have his own.
When is it needed?
Part 1 Art. 44 No. 44-FZ secures for customers during the auction the ability to assign specific requirements for the form of bid security. Now purchases under 44-FZ are carried out in two forms: paper and electronic. In the first case, you do not need to open a special account. If the customer conducts an electronic auction, then the security is carried out in the only way: by depositing a certain amount to the personal account of the ETP conducting a specific public procurement.
Important! From July 1, 2018, customers have the right to transfer paper purchases electronically. And from January 1, 2019, this form of holding will become mandatory.
According to 44-FZ
From October 1, 2018, the need to have special accounts under 44-FZ appeared for entrepreneurs and legal entities participating in electronic public procurement of the following types:
- open competition;
- competition with limited participation;
- auction;
- 2-stage competition.
The credited money is needed to secure the applications themselves, not the contracts. In fact, a special account for purchases under 44-FZ is always used when it comes to the electronic format of the transaction.
Important! To participate in procurement with a contract amount up to 1 million rubles. collateral is not required on the basis of Decree of the Government of the Russian Federation No. 439 dated April 12, 2018. Therefore, participants in such auctions do not need special accounts to secure bids. But in case of winning, they are obliged to transfer the fee for winning to the account of a particular ETP.
According to 223-FZ
When making large purchases under 223-FZ, special accounts are not needed. If representatives of small and medium-sized businesses participate in the auction, the customer may require the application to be secured.
In the case of such electronic public procurement, a special account under 223-FZ is needed, with the help of which the necessary funds will be deposited on the ETP.
How a special account works
Legal entities and many entrepreneurs have their own bank account to conduct transactions with counterparties, receive payments from customers, pay taxes and other fees to the state treasury. The special account has completely different purposes. It is used to secure bids in electronic trading. How it works? Step by step it looks like this:
- the bidder opens a special bank account and deposits money into it to secure the bid;
- the operator of the ETP where the auction is held makes a request to the bank to block a certain amount of money on the special account of the procurement participant;
- the bank blocks funds without the consent of the owner and notifies him of this;
- after the end of trading, the bank will unblock the funds on the account within 1 day after receiving information from the ETP.
The participant's special account must have enough funds at the time of accepting all applications (money is blocked after about an hour). Money transfer can take up to 3 days (if inside the bank, then faster), so it is better to deposit the required amount in advance.
The amount of security is limited by law and depends on the amount of the contract. IN general view the gradation is as follows (clause 16 of article 44 No. 44-FZ):
When will the money be unlocked?
While the customer makes a decision in favor of one of the participants, the funds on their special accounts will be blocked. Cancellation of blocking is possible if:
- the application of a particular participant was rejected for any reason (due to non-compliance with the conditions, for example);
- the participant was not allowed to participate in the procurement or was removed from the auction;
- the participant did not make any offers during the auction.
In these cases, the funds will become available for withdrawal or participation in other auctions within 24 hours.
Debit
Bidders keep funds in special accounts for later collateral. It is not forbidden to store other savings on them. In addition, banks charge interest on the balance of funds, although often they are simply symbolic (tariffs are set individually). If necessary, money from the account can be transferred to your current account.
Active bidders prefer to keep savings in a special account to secure bids. Then the write-off of money is possible in case of victory in public procurement, when the contract amount is more than 1 million rubles. The amount of remuneration is 1% of the contract amount, but there are maximum restrictions:
- for large businesses - 5,000 rubles;
- for small and medium-sized businesses - 2,000 rubles.
The required amount is debited from a special account. It is not charged only if the first winner refused to fulfill the contract. Then the money is debited from him, regardless of the refusal.
Conditions for opening
Any procurement participant has the right to open a special account. He must do this in one of the 18 banks approved by Decree of the Government of the Russian Federation No. 1451-r dated July 13, 2018. Other financial institutions do not have the right to issue special accounts to bidders. Approved banks agree to work with entrepreneurs and legal entities on the condition that:
- submission of a full package of necessary documents;
- availability of accreditation on one of the electronic platforms indicated in the Decree of the Government of the Russian Federation No. 1447-r dated July 12, 2018 (they include 8 ordinary and 1 closed specialized ETP);
- depositing sufficient funds to open an account (if such a fee is charged by the bank for registration).
If an entrepreneur or organization has not previously worked with procurement, then you will first have to undergo accreditation at one of the officially approved sites. These include:
- JSC "AGZRT";
- EETP JSC (Roseltorg);
- JSC "RAD";
- JSC "TEK - Torg";
- JSC "ETS" (national electronic platform);
- CJSC "Sberbank - AST";
- LLC "RTS - tender";
- LLC "ETP GPB";
- LLC "AST GOZ"
Each of them keeps a record of special accounts of participants and, if necessary, the operator makes a request to block funds to the bank.
Important! From January 1, 2019, instead of the register of participants in the electronic auction accredited by the ETP, a single register of procurement participants will be maintained on the EIS website. After this date, banks will check future holders of special accounts on it.
What banks can be opened?
Legislatively, the list of banks that have the right to open special accounts for collateral is limited to 18 financial institutions. Their list includes the following banks:
- Sberbank;
- Gazprombank;
- Rosselkhozbank;
- MKB-bank;
- FC "Opening";
- Raiffeisenbank;
- Rosbank;
- RRDB;
- Promsvyazbank;
- AB Russia;
- Bank "Saint-Petersburg";
- Sovcombank;
- RNKB Bank;
- RosEvroBank;
- OTP bank;
- UniCredit Bank.
If the account of an individual entrepreneur or legal entity is maintained by one of the listed financial institutions, he can:
- conclude with servicing bank additional agreement to use the current account as a special account (if possible);
- open a special account for purchases by submitting a full package of documents;
- apply to any other approved bank with the most attractive terms of service.
The same clients who are served by other credit institutions are forced to open a special account to participate in purchases in other financial institutions from the list.
The requirements of Decree of the Government of the Russian Federation No. 626 dated May 30, 2018 do not contain restrictions on opening special accounts in several banks at once. Therefore, you can be served in 1, 2 or more institutions at the same time.
Opening order
A special account for procurement participants is opened in only 18 banks. Depending on the institution, this can be done in one or more ways:
- personally contacting the office serving the business sector;
- by submitting an application on the bank's website remotely (clients of some banks can send all documents through the remote banking system and even reserve an account in a few minutes if necessary);
- having gone through a simplified opening procedure through an electronic trading platform that is a partner of the bank (for example, VTB offers to open a special account under 44-FZ completely remotely and in a short time for accredited participants in the Roseltorg platform).
The list of documents for opening an account in all banks is approximately the same. It looks the same as when opening a regular current account:
- statement;
- contract;
- identity documents (for individual entrepreneurs - a passport, for legal entities additionally papers confirming the authority of the applicant);
- registration papers (for individual entrepreneurs - certificates of TIN, OGRNIP, EGRIP, for legal entities - constituent documents, extract from the Unified State Register of Legal Entities);
- permits for activities, if needed (licenses, patents).
But you don’t have to confirm accreditation at the ETP - the bank checks this information on its own.
It takes from 2 to 5 days to open, depending on the bank and its workload. After that, it can be used to conduct operations on special accounts.
Tariffs
The special account is designed to support purchase requests, so the list of operations performed by the owner will not be so large. Clients are most interested in commissions for transfers, fees for opening and servicing, accrual of interest on deposits. Here are the rates of the most famous Russian banks:
Bank | Opening cost | Maintenance cost per month | Interest accrual on the balance (% per annum) | Request to block funds |
Sberbank | 0 rub. | 0 rub. | 0,01% | 50 rub. |
VTB | 0 rub. | 0 rub. | 0,01% | From 50 to 100 rubles. depending on the tariff |
Raiffeisenbank | 1 700 rub. | 950 rub. | 0,01% | Is free |
(branch of FC Otkritie) | 0 rub. | 0 rub. | 5%, but not more than 3,000 rubles. per month | Is free |
Alfa Bank | When opening a current and special account at the same time - free of charge, otherwise opening - 3,300 rubles, maintenance - from 220 to 6,900 rubles. depending on the rate. | 0,01% | Is free |
Sberbank opens a special account separately without taking into account the conditions for the tariffs for servicing current accounts. For this service and service financial institution takes no money. Money in a special account is kept solely for use as security for participation in procurement. At the same time, it is serviced without charging an additional fee, but requires payment of a commission for each request to block funds. In some banks, an existing account may have the appointment of a special account, subject to the conclusion of an additional agreement.
Summing up
For many entrepreneurs and legal entities, a special account has already become a vital necessity. This is confirmed by the hype in servicing banks. Due to the influx of applicants, many of them consider applications longer than the stated deadlines. Difficulties also arise due to the still undeveloped mechanism of work. Nevertheless, many public procurement participants are already working with special accounts and have appreciated their convenience.
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Individual entrepreneurs and legal entities have the opportunity to participate in state auctions and competitions held on the ETP (electronic trading platforms), including in the state defense order. By law, access to trading is granted to holders of special accounts, which are not issued by every bank. Russian entrepreneurs prefer to contact Sberbank to open a special account. The issuer is reliable, its departments work efficiently, saving clients' time. For business representatives, a large number of financial options are provided, which makes the SB the most attractive issuer for individual entrepreneurs and legal entities.
What is a special account?
At the beginning of October 2018 on state level it was decided that those wishing to participate in trading under 223-FZ and 44FZ should open a special account. The difference of this product from analogues - standard settlement accounts, is only that during tenders the bank blocks the account, which should contain a certain amount Money. As soon as the auction ends, the special account is unlocked.
Tariffs for opening a special account with Sberbank
The conditions under which a special account for public procurement is provided are as follows:
No. p / p | service or procedure | Cost, rub.) |
1. | Opening | 0.00 |
2. | Annual maintenance | 0.00 |
3. | Blocking funds | 0.00 (state employees), 50.00 (other participants) |
4. | Unlock | 0.00 |
5. | Interest on the balance (monthly transfer) | 0.01 - standard, the decision is made individually |
6. | For using the Sberbank Business Online service | 0.00 |
7. | For connecting to Internet banking | 0.00 |
8. | SMS informing | 0.00 |
9. | For transfers of tax transfers and fees | 0.00 |
10. | For crediting amounts to a special account | 0.00 |
11. | For a standard electronic key for RBS | 1 700.00 |
12. | For touch electronic key for RBS | 2 150.00 |
13. | For an electronic key with a screen for RBS | 3 990.00 |
14. | For advising clients | 0.00 |
When registering a special account, the holder receives a checkbook for cashing out funds.
Payment in case of victory
Additional expenses await participants who are lucky enough to win the tender. According to the contract, they are obliged to pay a remuneration to the trading platform:
- medium and small businesses - 1% of the contract amount, but not more than 2,000.00 rubles;
- other participants - 1% of the contract amount, but not more than 5,000.00 rubles.
The amounts are transferred from special accounts to the accounts of the sites. The Bank does not charge a fee for such transfers.
How is a special account opened?
Before applying to the bank to reserve a special account, potential clients must go through the accreditation procedure on one of the trading platforms.
New clients
New customers of the bank must act as follows:
- Prepare the necessary documents for submission.
- Contact the nearest branch of the bank that provides services to legal entities.
- Submit documentation for verification and write an application for opening a special account.
Current clients
If the applicant is already a client of the bank, he can open a special account in 2 ways:
- remotely by sending an application through the Sberbank Business Online service;
- personally visiting a financial institution.
If everything is done correctly, the account details and an agreement on its opening are issued to the applicant on the day the application is written.
The documents
The main document for filing is an application. IP must attach to it:
- passport of a citizen of the Russian Federation;
- OGRNIP or TIN;
- extract from USRIP;
- patents, licenses and other documentation.
If applied entity, it requires:
- founding documentation;
- extract from the Unified State Register of Legal Entities;
- signature samples responsible persons and printing of the enterprise on the card;
- documentary confirmation of the powers of the legal entity.
In addition to the above, other documents may be required depending on the specifics of the activity.
Applying
An application for reserving a special account must be made in the form of a bank. It must include the following information:
- Name of the applicant;
- the name of the legal entity is a trademark;
- document text;
Confirmation of accreditation previously carried out on one of the trading platforms is not required. Accepting the documents, the bank administration checks its availability.
What trading platforms does Sberbank cooperate with?
The convenience of opening a special account with Sberbank is that the holder will be able to use any of the ETPs. The financial institution informs all sites that a new user has been registered and provides its details.
How to deposit or transfer money to a special account?
You can replenish a special account both using the tools of Sberbank and using the services of other financial institutions. Since the latter charge a commission for the service, it is better to make a deposit in Sberbank Business Online, in a bank branch or in a mobile application.
bank guarantee
Both legal entities and individual entrepreneurs can issue a guarantee in the Security Council for the execution of contracts and securing applications. The term of registration of the holder must be at least six months. If we are talking about a legal entity, the annual revenue should be no more than 400,000,000.00 rubles.
Everything related to amounts and terms is considered individually. All customers can also use the "Business Guarantee" service.
Digital signature from SB
When participating in auctions 44-FZ and 223-FZ, an electronic digital signature (EDS) is required. It can be obtained from the bank. You do not need to visit a financial institution or certification center, the EDS will be delivered to the desired address.
Benefits of contacting Sberbank
PJSC SB has been servicing medium and small businesses participating in government contracts for many years. Opening of specialized accounts is the most demanded banking service. As of the beginning of 2020, Sberbank occupies a leading position in terms of the number of applications that have been approved.
Cooperation with a bank gives businessmen the following advantages:
- access to a special account, as well as details are provided on the day of application;
- the ability to track transactions using the tools of the Sberbank Business Online service;
- you can apply on any trading platforms;
- maintenance and opening is free;
- the possibility of issuing an EDS;
- obtaining a bank guarantee.
In order for a legal entity or an individual entrepreneur to participate in public auctions, they need to deposit a security deposit into a special account. You can also open a special account for public procurement under 44-FZ at Sberbank, which has received permission for this action. But before entering into an agreement and becoming the owner of an account, you need to figure out what it is and why a separate account is needed for transactions related to government orders.
What is a special account for government orders
In July 2020, legislators changed normative act 44-FZ, which stipulates the need to conclude a contract for purchases made for state and municipal needs. To ensure the fulfillment of the order, an open special account must be created, where the supplier deposits funds, and after his choice, the money is blocked until the conditions of the state order are met.
The characteristics show that the special account is very similar to the standard settlement product and differs only in that the money on it can be blocked by the procurement operator. Thus, the following features can be distinguished from a special account:
The remaining funds are still available to the account holder, he can use them as he pleases. There are no restrictions on amounts not related to government contracts.
Advantages of opening a special account with Sberbank
When opening a special account for a public procurement participant, it should be borne in mind that this can only be done in banks that have been verified and are considered authorized. Sberbank belongs to them, but cooperation with it has its positive nuances, including:
- entry of Sberbank into the list credit organizations authorized to open and maintain special accounts;
- high speed of opening a special account, customers can start using it almost immediately after visiting the bank;
- the bank independently notifies the electronic platform about the new account of the procurement participant;
- the client does not need to pay for opening a current account.
If the client is new, then for him it will be necessary to personally visit the bank branch, choosing from those that can serve corporate clients. With the current status of a Sberbank client, an electronic document management system can be used for a special account. Previously, the bank did not participate in the electronic trading process to such an extent, and its role was limited to processing payments. At the moment, the companies are intermediaries and participate in the blocking of funds.
Despite the seriousness of the special account, Sberbank did not complicate the procedure for opening it, the client only needs to bring everything Required documents requested by the institution and write an application.
Opening conditions
In order to obtain an account suitable for trading, the conditions for opening an account suggest that the client must be accredited in advance on the electronic trading platform. That is, he is obliged to register on it and confirm his desire to participate in the auction by entering his own details. One of the mandatory requirements is the presence of an electronic signature of the enterprise, which can be obtained in one day.
Naturally, an individual entrepreneur or legal entity must have all the documents necessary for an account so that they can confirm their status, payment of taxes and participation in auctions. Additionally, there is a condition that in order to open an account, the person who will manage it must apply, in large companies - this Chief Accountant or a separately appointed person, for which an internal order must be issued.
Package of documents
Opening a special account with Sberbank, intended for a government contract, appears only if the company provides all the necessary documentation. For legal entities, it is necessary to bring constituent papers, for example, the Charter. These can be originals, and if copies are taken, they must be notarized or contact the body that registered the legal entity for this. In some cases, if there are original papers, then you can check them and confirm them at the bank.
Also legal. individuals must submit an extract from unified register such subjects, and you will need the original, which is certified electronic signature FTS. This task is performed by the bank, and the statement itself must be generated on the day the client contacts the financial institution. In order to avoid problems in the future, for the special account they will also be asked to provide a card with the signatures of the management team and the official seal. It is certified by a notary or in a bank, but in the latter case, authorized persons must be present, who entered their data into the card.
To open a special account, you will need informational information the client in the form approved by the bank, as well as orders and other internal instructions, which display the appointment of persons from the card with signatures. This document should also prescribe the authority to dispose of money or their absence. In addition to the above, the list of documents intended for opening a special account can be supplemented with papers:
- confirming the authority of the executive body jur. faces;
- identity cards of people authorized to manage the account;
- licenses for the right to conduct activities, if such activities require such permits;
- license documents for working with state secrets, if any.
At individual entrepreneurs will require almost the same list of papers, but there are differences. Be sure to take the original identity card with you to the bank, as well as a document that confirms the assignment of the TIN. If for legal persons need an extract from their register, then an individual entrepreneur will need the same document, but from the unified register of individual entrepreneurs. If possible, these documents must be provided in the original, and the extract must also be confirmed by the Federal Tax Service.
Important! With regard to documents authorized to manage the account and their signatures, these requirements remain in force. If an entrepreneur works in a field subject to licensing, or deals with state secrets, then such papers as legal. individuals, he should also provide. If the account is opened in electronic system, then persons must provide SNILS in the form of an original or a copy, in this case there are no unique requirements for the form of the document.
Opening procedure
Before opening a special account for public procurement under 44-FZ with Sberbank, a client needs to be accredited on an electronic trading platform. This must be done separately in the case of each, while Sberbank also has a similar system. Also, the company needs to provide in scanned form all the main documents, for example, constituent papers, an extract from the Unified State Register of Legal Entities, as well as confirmation of the authority of the person undergoing registration.
The procedure for opening a special account in a bank lasts for five working days. At this time, site operators will review the submitted application and notify the client of the decision. If it is positive, then permission to participate in tenders will be valid for three years. After that, it remains only to fill out an application, the form of which is on the Sberbank website, and bring it with all other documents to the bank branch. Be sure to choose an office that works with corporate clients; ordinary branches do not have such an opportunity.
When Sberbank receives the papers and completes the procedure, it will independently notify the trading platform where the company is registered about opening an account.
Opening date
Since a special account is a standard settlement account, the term for opening it does not differ from it. Sberbank promises that the client will be able to use his account on the day of application, that is, until the end of the day, at most - the next banking day it will be created. Informing electronic platforms is carried out on the same day when the account was opened, when closing, similar information is also sent in compliance with the deadlines.
Tariffs
Like any other banking product, special Sberbank accounts are also serviced, and you will need to pay extra for some operations. But since they are not included in service packages, the rates are different from standard bills. All basic operations, such as maintaining an account with RBS (formation of electronic documentation, crediting funds, transfers and paying taxes) and opening an account, are free of charge. Even if there are no transactions on it for five months, the cost of services for the client will not increase in any way.
The bank will require 50 rubles for each processing of a request related to the blocking of funds received from the electronic platform. But unlocking will be free, and nothing is withheld from the client in this case. If an account is opened budget organization, then no such commission will be charged from them. And on the balance of funds that is stored on the account, 0.01% per annum will be charged, this applies even to those funds that are in a state of blocking.
A special account with Sberbank is opened by suppliers who want to participate in government auctions. It will store money that will become a security for transactions and will be blocked when applying for a tender. If the organization or entrepreneur does not want or cannot participate in the order after selection, then the funds will be transferred to the customer in case of a penalty.