Business day at Raiffeisenbank for legal entities. Settlement and cash services at Raiffeisenbank
The development of any business involves opening a current account. The reason for this is not only government policy in the field of control over cash flows, which provides for restrictions on the circulation of cash between enterprises. There are other reasons for opening an account.
- The constantly growing number of payments to counterparties.
- Increasing staff size making it difficult to disburse earnings in cash.
- The need for regular transfers of taxes to the budgets of all levels.
- Demand for payment terminals from retail buyers.
When interacting with banks, entrepreneurs and companies face a number of problems.
- The reliability of the credit institution. The media regularly report on the revocation of licenses from banks. In such cases, the business risks the funds allocated to them. Their account balances are not insured and are not compensated for in the event of a bankruptcy of a financial institution.
- The tightened policy of banks when opening accounts. The state actually imposed obligations on credit institutions to prevent the activities of fly-by-night firms. In order not to be held liable, banks refuse many companies to open an account. The basis for this is the smallest suspicion of illegal activity.
Service at Raiffeisenbank as a way to secure company funds
Raiffeisenbank provides a number of convenient and safe mechanisms for doing business. In addition to the benefits of cooperation with this credit institution, a client who instructed us to establish partnerships with a bank will receive additional benefits described above.
Account opening procedure
Interaction with a client involves several stages.
1.Obtaining preliminary consultation... The manager of the CPA "Empire" clarifies the needs of the applied entrepreneur or organization and helps to choose the most suitable tariff plan... If there are special offers, the client receives all the information about them.
2.Preparation of a package of documents for the bank, including collection of copies and filling out of all provided questionnaires.
3.Sending the collected documents to the bank. The manager transfers everything necessary to open an account and interacts with specialists credit institution... The result is the client's approval by the bank.
4. Completion of the account opening process. The client receives all documents and software provided by the agreement with the bank.
After completing all the listed steps, the entrepreneur or company will be able to use the current account.
How to open an account with Raiffeisenbank with our help
To open an account, you must contact us in any of the following ways:
- by calling the phone number indicated on the website;
- by writing a letter and sending it to our email address;
- by making a call or writing using Skype;
- by filling out the application form for feedback, briefly indicating the information of interest.
Call or write to us about your intention to open a current account with Raiffeisenbank, and we will help you do it as quickly and profitably as possible.
Bank information
it credit institution has been working in Russia since 1996. It is a subsidiary bank of the Austrian financial group. Rating agencies confirm the ability of Raiffeisenbank to fulfill its financial liabilities... It is recognized as one of the backbone credit institutions in Russia.
Benefits of service at Raiffeisenbank
Entrepreneurs and companies that have entered into a service agreement with this lending institution receive a number of benefits.
- A wide range of tariff plans, each of which is focused on a specific type of business.
- Bank branches are located in the largest Russian regions... This will allow the client to personally contact one of them in case of a business trip.
- Raiffeisenbank's ATMs are located in Moscow and other regions of presence. Clients have the opportunity to withdraw cash with their help, without using the cash service at the branch.
- Payments on behalf of the client are made on the day they are received.
- Thanks to the "Bank-Client" system, entrepreneurs and companies can dispose of funds on the account without visiting the branch that serves them.
- Raiffeisenbank's policy is to provide regular special offers. During the promotional period, customers can significantly save on the cost of service.
The use of business products offered by Raiffeisenbank will allow the company to obtain an efficient and convenient mechanism for managing its cash flows.
Bank services
Customers who open a current account with Raiffeisenbank receive all the necessary related services.
- Conducting transactions in rubles or foreign currency.
- Provision of electronic banking.
- Acceptance and delivery of cash.
- Collection of customer units and movement of his valuable items.
- Night recount.
- Settlements for compulsory payments with budgets of all levels.
- Registration of loans to the enterprise.
- Salary projects.
Bank rates
Raiffeisenbank offers a range of tariff plans targeted at entrepreneurs and companies of various types.
Offer name | Service cost | Payment processing cost | Cash deposit cost |
Start | 1090 rubles per month 8916 rubles for a one-time payment per year 17,832 rubles for a one-time payment for 2 years |
25 rubles | |
Base | 1900 rubles per month 17,112 rubles for a one-time payment per year 34,224 rubles for a one-time payment for 2 years |
10 payments per month - free 11 and subsequent payments - 25 rubles |
0.25% of the deposited amount, but not less than 290 rubles |
Optimum | 2900 rubles per month 26100 rubles for a one-time payment per year 52,200 rubles for a one-time payment for 2 years |
60 payments per month - free 61 and subsequent payments - 25 rubles |
0.25% of the deposited amount, but not less than 290 rubles |
Maximum | 7,500 rubles per month 67,500 rubles for a one-time payment per year 135,000 rubles for a one-time payment for 2 years |
300 payments per month - free 301 and subsequent payments - 25 rubles |
0.25% of the deposited amount, but not less than 290 rubles |
Currency | 4100 rubles per month 42,300 rubles for a one-time payment per year 76,500 rubles for a one-time payment for 2 years |
60 payments per month in rubles - free Payments in foreign currency - 0.05% of the transferred amount, but not less than 20 USD and not more than 300 USD |
0.25% of the deposited amount, but not less than 290 rubles |
Small business | 950 rubles per month | From 30 rubles | 0.25% of the deposited amount, but not less than 290 rubles |
In this article, we will consider how to open a current account with Raiffeisenbank. Let's analyze the tariffs for individual entrepreneurs and LLCs, the terms of cash settlement and the possibilities of the Internet bank. We have prepared for you a procedure for submitting an online application to the bank and collected feedback.
About the Bank
The bank has been operating in the Russian Federation for over 20 years, serving individuals and corporate clients. The key services provided by Raiffeisenbank are opening a current account for individual entrepreneurs and LLCs, salary projects, acquiring, deposits, etc.
More about the bank
Benefits of a settlement account with Raiffeisenbank for individual entrepreneurs and LLC
Cooperation with a bank provides the following business benefits:
- Free reservation of r / s remotely.
- Remote service.
- Up to 25% discounts on account management with advance payment.
- Promotions and bonus offers for small businesses.
- The ability to issue corporate cards with a grace period of 45 days.
Tariffs for cash settlement services at Raiffeisenbank
The bank has developed 4 tariffs for individual entrepreneurs and LLCs: Start, Basic, Optimum and Maximum. The cost of payment in excess of the limit for any city of service is 25 rubles.
Service cost | For Moscow, St. Petersburg / for other cities:
|
Cost when calculating for 12 and 24 months. | For Moscow and the Moscow region:
For other regions:
|
Free payment orders |
|
Payment order cost | 25 p. |
Internet bank | 190 p. per month - for the Start tariff, for the rest - free of charge |
SMS informing | 190 p. per month - for the Start and Basic packages, for the rest - free of charge |
Business card service per month | 90 p. |
Business card service Optimal per month | 390 p. per month - for packages Start and Basic |
Free transfer limit for individuals persons |
|
Fee for transferring funds to individuals persons over the limit | 1% |
Transfer fee from 6 million rubles. |
|
Switching to another service package | 1 thousand rubles |
Urgent transfer to accounts in other banks | 290 p. |
Cash withdrawal for salary | 0.5%, from 290 p. |
Withdrawing funds through the cashier | from 1.6% |
Withdrawing funds from legal entities persons under 1 million rubles. | is free |
Refill | is free |
Detailed rates
How to open a current account with Raiffeisenbank
Opening an account for individuals and legal entities about the same. To do this, you need to follow several steps:
- Go to the bank's website and fill out an application for booking a bank account. (You will receive the number in a letter by Email within 5 minutes. You can immediately indicate it in contracts with counterparties).
- Wait for a call from a bank representative to select a tariff and clarify the details of the application.
- Prepare and upload copies of documents to the Raiffeisenbank website.
- Agree on the time and place of the meeting with the courier.
- Sign the contract.
Documents for individual entrepreneurs
To open an account you will need:
- Statement.
- RF passport.
- Power of attorney and passports of persons who will be given access to the bank account.
- Licenses or patents (if any).
Documents for LLC
To issue an invoice, you need to prepare:
- Statement.
- Charter.
- Minutes of the meeting of founders on the appointment of the head.
- Documents confirming the rights of a single executive body.
- Licenses (if any).
Settlement and cash services
Within the framework of cash settlement services, the bank offers not only opening and maintaining an account, but also a whole range of services. For example, you can automate the issue of salary, withdraw money from an account through an ATM,
accept payment from customers by cards, etc. Let's consider each service in more detail.
Open an account
Salary project
Raiffeisenbank offers to use cards for payments wages employees. Salary project is connected free of charge, and there are 3 tariffs for employees: Salary, Gold and Premium 5:
Benefits of Raiffeisenbank's payroll service:
- Automated translation system for salary.
- Saving time and money.
- Confidentiality of payments.
Merchant acquiring
Within the framework of acquiring, you can accept payments from customers using plastic cards. Raiffeisenbank offers two options for providing the service:
Key features merchant acquiring Raiffeisenbank:
- Acceptance of payments by cards of popular payment systems.
- Free delivery and installation of the necessary equipment.
- Training.
- Security guarantee for all transactions.
Internet acquiring
This type of acquiring allows you to accept payments by plastic cards and electronic money through the site. Key conditions for Internet acquiring at Raiffeisenbank:
Advantages of Raiffeisenbank's internet acquiring:
- Convenient integration with online stores.
- Fraud protection.
- Work with all popular online platforms.
- 24/7 support.
Online checkout
Raiffeisenbank proposes to establish an online cash desk that meets the requirements of 54-FZ. Basic conditions for its connection:
Advantages of using Raiffeisenbank's online cash register:
- Fast delivery of equipment.
- 24/7 support.
- Free equipment repair.
Business cards
Individual entrepreneurs and legal entities persons can apply to Raiffeisenbank debit card for representative and business needs on the following conditions:
The advantages of Raiffeisenbank business cards:
- Minimizing the risk of loss Money.
- Possibility of setting a monthly limit.
- Discounts and special offers from the bank's partners when paying for purchases.
Customs cards
The bank offers to issue special card to pay customs fees at the checkpoint or through Personal Area in the Internet. This is a quick and convenient option for making transactions at customs, since 300 checkpoints are already equipped with POS terminals for accepting card payments.
Advantages of Raiffeisenbank customs cards:
- Reducing costs.
- The ability to issue several cards within one account.
- Cost control via Email and SMS notifications.
Bank guarantees
The bank provides the following types of guarantees:
- fulfillment of public procurement obligations under 44-FZ and 223-FZ;
- in favor of the customer with whom the bank maintains partnership relations.
Tariffs and conditions for Raiffeisenbank guarantees:
Benefits of guarantees at Raiffeisenbank:
- Possibility of simultaneous execution of several guarantees.
- No additional fees.
- Individual approach during the registration process.
Foreign exchange control
The bank offers a full range of services in terms of currency control. Within the framework of this program, consulting support and assistance is provided in the process of drawing up the necessary documents.
Currency control rates at Raiffeisenbank:
Cash collection
The Bank offers to use the services of its own collection service: daily, at certain hours or on the basis of a submitted application.
Cash collection options:
- Delivery of proceeds to the bank.
- Recalculation and deposit of cash to bank account.
- Transportation valuable papers, precious metals and other values.
Remote account management
The bank has created services for remote business management: RBO Online Bank and ELbrus client bank. The systems operate in all browsers and allow you to quickly perform any account transactions.
Possibilities of Internet Banking at Raiffeisenbank:
- Sending and receiving statements in different formats.
- Making a large number of payments at a time.
- Using one account for the accounts of several companies.
- Confirmation of operations with SMS password.
- Control of cash flow.
- Transfers to any accounts.
- Remote connection of a salary project and other services.
Mobile bank
Raiffeisenbank's mobile application allows you to keep abreast of all information on accounts. Service features:
- View up-to-date balance data.
- Access to the history of transactions.
- Transfer of any payments.
- Sending account details to partners.
The financial and credit organization Raiffeisenbank provides support to small, medium and large businesses, providing its services for settlement and cash services in any area where there are branches of the bank. RKO Raiffeisenbank is a set of services, the task of which is to provide high-quality customer service and manage their accounts.
Conditions of cash settlement
Settlement and cash services is a collection of various services. The client has the right to independently choose the necessary services from the proposed list or connect a package that saves financial and time resources. The RKO complex includes the following operations:
- Opening and booking current accounts.
- Cash collection. It can be held every day according to a specific schedule or by prior arrangement. Cash collection services consist in the delivery of proceeds to the bank, recalculation and transfer of money to the current account by noon of the next business day Moscow time, delivery of small bills and bargaining chips delivering money by check.
- Issue of corporate cards. The presence of such cards allows you to prevent the possible use of company funds by employees for personal purposes. By using a corporate card, you can reduce paperwork and additional costs.
- Remote service.
- Currency and currency exchange operations. It is fast and convenient for any business project.
In addition, all equipment necessary for work is installed free of charge. Technical support works daily 24 hours a day. All cards are accepted. payment systems... All of these are excellent conditions for Raiffeisenbank's cash settlement services for legal entities.
One of the main advantages is the ability to issue an invoice in Russian rubles and other convenient currency. You have access to any cash transactions, financial transactions in Russian rubles, collection and transportation of funds and valuable goods. The client also has a package of services with a specific set of operations that will be useful when implementing new business ideas. In addition, the RKO of Raiffeisenbank is suitable for an LLC.
Tariffs for providing cash settlement services
Tariffs for Raiffeisenbank's cash settlement services are provided in such a way that each client can find a convenient option for running their business. Among them:
"Start" | "Base" | "Optimum" | "Maximum" |
---|---|---|---|
-743 rubles per month if paid in advance.
The set includes a connection to the Internet bank, The limit for financial transactions is 100 thousand rubles for individual cards. The cost of one payment is 25 rubles. Monthly payment - 990 rubles. |
-1426 rubles monthly if paid in advance.
In addition to Internet banking, the package includes mobile bank. The limit when using this tariff is 200 thousand rubles for cards of individuals. Partners receive 10 free payments, and the price of each one after the 10th is 25 rubles. Monthly payment - 1900 rubles. |
-marked with the word "Hit" on the official website of the bank.
If paid in advance is 2175 rubles. Internet banking, mobile banking and SMS for business are all included in the price. 60 free payments are available for partners The cost of each next one is 25 rubles. The limit on this tariff is half a million rubles. The client receives a card linked to the current account. Service is free. 1 package of services "Gold" will be a pleasant gift for the manager. The monthly payment is 2900 rubles. |
-a tariff for those who want everything at once.
The price is 5625 rubles per month. when paid in advance - all components of other tariffs are included. Maximum amount financial transactions is 700 thousand rubles. Number of free payments = 300. Card with free service and 2 "Gold" packages for the manager. Monthly payment - 7500 rubles. |
These tariffs of RKO Raiffeisenbank for legal entities are relevant for clients from Moscow and St. Petersburg. In other areas, prices are lower. From the first day of spring 2017, a new tariff plan came into force, where some data were changed. It should be noted that there is no commission for transactions on the account if the amount of transactions does not exceed the limit on the tariff. By the way, tariffs can be changed an unlimited number of times and at any time you can switch from one to another. The amount of switching to another tariff plan is 1000 rubles.
Important!
RKO Raiffeisenbank for individual entrepreneurs is a guaranteed high-quality and comprehensive service together with the timely execution of any financial transactions. To make the service as comfortable as possible for customers, the employees made it remote. Now you can get the required data or documents without leaving your home or office. The cash settlement service at Raiffeisenbank receives praise from customers, which is well deserved.
The basic tariff includes mandatory services included in the full price:
- opening a current account;
- access to an online resource;
- transfer of wages to employee cards.
The package bundle for the "Optimum" and "Maximum" tariffs has been supplemented with a corporate card and an SMS notification option.
The bank additionally offers services for organizing a business:
1. Salary project, which includes providing all employees of the company with free bank cards and participation in the loyalty program from partners. Maintenance of operations related to the movement of money will be free, when the "Salary" service package is activated.
2. Bank guarantees up to 145 million rubles for participation in public procurement.
3. Large loans on comfortable terms for business development.
4. Acquiring, that is, the ability to make payments by non-cash method, implies several types, providing for the payment of commissions:
- trade - in the amount of up to 1990 rubles, depending on the level of turnover of funds for one payment terminal, plus a fee of 1.79% of the payment amount;
- Internet - in the amount of 2.7% of the turnover of funds;
- mobile - with a fixed commission in the amount of 900 rubles.
5. Foreign exchange control, involving the support of foreign economic transactions.
6. Cash collection, the cost of which is calculated individually and depending on the geography and volume of services.
7. SMS-informing costs 190 rubles per month, if not included in the tariff.
Package offers
Raiffeisenbank offers its clients four service packages designed for different levels of enterprise development:
"Start" with a monthly fee of 990 rubles, it assumes:
- commission-free Money transfers to cards of individuals within 100 thousand rubles;
- the cost of payment is 25 rubles;
- free registration and service in the online bank.
"Base" with a monthly fee of 1900 rubles, includes:
- commission-free transfers to cards of individuals within 200 thousand rubles;
- 10 payments per month free of charge, and for subsequent payments - 25 rubles each;
- free services: Raiffeisen Business Online internet bank and mobile app.
"Optimum" worth 2900 rubles per month, includes:
- the ability to transfer up to 500 thousand rubles to cards individuals no commission charged;
- execution of 60 free payment transactions, and subsequent ones costing 25 rubles;
- free functionality in the form of: remote services, SMS notifications, cards to the current account "Business 24/7", VIP-service for the manager.
"Maximum" with a monthly fee of 7,500 rubles and a set of services:
- 300 free payments;
- 700 thousand rubles for transfers that are not subject to a commission fee;
- corporate card;
- option "SMS notification";
- the "Mobile Bank-Client" system;
- two privileged service packages for management.
You can save on monthly maintenance by getting a discount in:
- 25% if you pay in advance;
- 100% if you recommend the bank service to your partner.
Which tariff should you choose?
A business representative who is in the status of an individual entrepreneur, LLC or JSC has the right to independently choose a tariff plan that is profitable for him, depending on the volume of production, the mode of operation of the enterprise and financial activity.
Tariffs "Start" and "Base" suitable for those:
- who is just starting to do business;
- has a small number of employees.
Rate "Optimum" will suit both representatives of small and medium-sized businesses that are active in production.
Connect tariff "Maximum" and allow yourself not to deny anything, to have all the advantages of high-quality banking services from Raiffeisenbank, companies with stable incomes, a high level of production, and a solid turnover of funds can.
What services are included in the RSC?
The list of basic operations includes:
- opening a current account;
- reservation of a current account;
- collection services;
- high-tech remote service;
- corporate card products;
- currency and conversion transactions;
- cash transactions;
- payments and transfers in rubles;
- deposits;
- loans.
An account can be opened both in national and foreign currencies.
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