Registration and accounting of foreign exchange transactions. Tested on myself
12:42 26.02.2015
An individual entrepreneur who decides to entrust his capital to a bank must take this issue seriously. There are enough banks in the country, but a large selection can only confuse you even more.
Someone may choose a bank, focusing on the proximity of the head office to the house, for someone the successful operation of the call center will be important, and someone may simply make their choice at random. Therefore, we decided to help individual entrepreneurs and compared offers on the market.
Many banks offer to create and maintain for free, and some offer both at once. However, at the same time, many banks make a serious comeback when closing an account. For example, opening an account with BTA-Bank for a symbolic 100 rubles, you will eventually have to pay 660 thousand rubles for closing the account. There are other similar examples. Trustbank offers to open an account for free, but you will have to pay 500 thousand rubles for closing. Absolutbank acted exactly the opposite - here it will take 500 thousand rubles to open an account, but it will be possible to close it for free. Alfa-Bank will charge you only 90 thousand for opening an account (which is a pretty good offer on the market), closing is free. Delta-Bank has a similar offer, however, opening an account for them costs 50 thousand rubles at all.
Bank's name |
Account opening |
Account maintenance (per month) |
Client-bank |
Cost of payments |
Interest for transferring money to a card |
Interest for withdrawing money at the bank cash desk or ATM |
Percentage for the delivery of proceeds to the cash desk of the bank |
Issue and maintenance of the card |
Account closing cost |
MTBank | Is free | 150 000 BYR | 75 000 BYR/month | Is free. The number of payments is not limited. | 0.8% of the transfer amount | At the bank's cash desk - 1% of the amount. At the ATM of MTBank and partners - 0%. | 0.1% (min. 12,000 BYR) | Maestro or Visa Electron with a validity period of 2 years: 200,000 BYR. | 203 000 BYR |
Trustbank | Is free | In fact, for services rendered. Package of services "Standard" - 170 000 BYR / month. Premium service package - 400,000 BYR/month. | 100 000 BYR/month | 4000 BYR - one payment; 500 BYR when connecting a client-bank | 0.7% of the transfer amount | 1,7% | 0% | 40,000 BYR for issuing a Visa Electron card | BYR 500 000 |
Zepter Bank | Is free | 20 000 BYR | 100 000 BYR / month + installation: 35-75 000 BYR. | 1000 BYR - each payment through the client-bank. | 1) 0,7%; 2) 1%; 3) 1.5%; | 1) 0% at Zepter Bank ATMs; 2) 0% in "Zepter Bank" and "Belarusbank"; 3) 1.5% in all other ATMs. | 0.1% of the amount | BelKart or Visa Electron - free of charge. Visa Classic - 100 000 BYR. Visa Gold - 300 000 BYR. | 150 000 BYR |
Idea Bank | Is free | Free (on standard terms) | 150 000 BYR/month | Up to 30 payments per month. Paper payment - 20 000 BYR Payment through the client-bank - 2 500 BYR. | "Standard" - 0.8% of the amount. "Premium" - 1.9% of the amount. | "Standard": 0% in "Idea Bank" and partner banks; 1.5% of the amount in other banks. "Premium" - 0% in all banks. | 0.3% of the amount (min 5000 BYR) | Maestro and MasterCard - free of charge. On MasterCard cards under the terms of the agreement - a minimum balance of 900,000 BYR. | BYR 180 000 |
Bank Moscow-Minsk | 300 000 BYR | Is free. | 300 000 BYR per month. | Paper carrier - 40 000 BYR. | 2% | 2% | 0% | Registration of MasterCard - 400,000 BYR; Maestro - 100 000 BYR. | 145 000 BYR |
Belagroprombank | 125 000 BYR | Is free. | 70 000 BYR per month + 150 000 BYR registration. | 20,000 BYR (paper) and 4,000 BYR (client-bank) in the Belagroprombank system; 30,000 BYR (paper) and 6,000 BYR (client-bank) in the interbank settlement system. | 1.9% of the transfer amount. | 2.5% of the transfer amount. | 0,2% | Visa Electron - 40 000 BYR. Belkart - 20 000 BYR. Visa Classic- 150 000 BYR. Visa Gold - 520 000 BYR. | BYR 310 000 |
BPS-Sberbank | Depending on the service package. The minimum is 95,000. | Depending on the package. | Included in the price of any package. | Depending on the package. | 2% | 2,5% | 0.16% (min. 16k) | VisaElectron Or Maestro - 9000 BYR Depending on the package. | 300 000 BYR |
ASB Belarusbank | 100,000 BYR or the cost of a service package (from 360,000 to 3,955,000 BYR). | Depending on the package. | Is free. | 4500 BYR | 2% | 0% | 0.2% of the amount | BYR 310 000 | |
Belinvestbank | 100,000 BYR or the cost of a service package. | Depending on the service package. | 50 000 BYR/month | 5000 BYR through the client-bank through Belinvestbank or 7000 BYR to other banks. | 2% | 2,5% | There is no information. | MasterCard Business, Visa Business, Belkart. | BYR 280 000 |
Technobank | Is free | 128,000 BYR or 90,000 BYR. In foreign currency - free of charge. | 158 000 BYR/month. | Unlimited number of payments. | 0.9% of the amount; 0.7% - credited to the account of the personal income of the individual entrepreneur. | By check (rubles and currency) - 1%; From the current account upon application - rubles 2% and currency 1%. | There is no information. | The cost of maintaining salary cards per year: Visa Electron - 10 000 BYR. Visa Classic - 30 000 BYR. Visa Gold - 330,000 BYR. Visa Platinum - 1 million BYR or 110 dollars or 85 euros. Belkart Toloka and Motsnaya - free of charge as salary cards. | BYR 290 000 |
Paritetbank | 80 000 BYR | 61 000 BYR | Installation - 50 000 BYR. | Up to 15 hours 30 minutes: through the client-bank - 6300 BYR. Paper - 18 000 BYR. After 15:30- 43 000 BYR each payment. | BYR - 2% Currency - 1% | BYR - 2% Currency - 1% | BYR - 0.2% Currency - 0.1% | Belkart - free of charge. Visa Electron - 50 000 BYR. Visa Classic - 100 000 BYR. Visa Gold - 200 000 BYR. All amounts are for two years. | 150 000 BYR - account closing. 480 000 BYR - when closing an account and leaving for another bank. |
BNB-Bank | Is free | 100 000 BYR | 150 000 BYR / month | Through the client-bank - 7500 BYR. Paper - 15 000 BYR. | 1% | 0% | In the bank - 0%. To the exchanger - 0.2% | MasterCard Standard and Visa Classic - $25. Visa Electron and Maestro - $5. Visa Gold and MasterCard Gold- 120$. Visa Platinum - $197. | BYR 258 000 |
Belgazprombank | free of charge in case of connection to the cash settlement package, or 145,000 (regardless of the number of opened accounts) | not charged in case of connection to the RKO package, or 300,000 per month (payments are free) | not charged in case of connection to the RKO package, or "80,000 BYR / month +125,000 BYR for installation and registration | free of charge within the package or upon payment of a commission for servicing an IP account. Over the limit included in the package: Paper without a barcode: 50,000 BYR. Paper with a barcode: 30,000 BYR., payment through remote banking systems from 0 rubles to 10,000 | from 0.7% | 0% - at an ATM of Belgazprombank, at ATMs of CJSC MTBank and ATMs of CJSC VTB Bank (Belarus); from 0% to 0.5% - at the cash desks of Belgazprombank and branches of RUE Belpochta. from 0% to 2, 5% - at cash desks and ATMs of other banks. | 0% | Release and maintenance salary cards- is free. Cards: Visa Classic, MasterCard Standard, Visa Gold, MasterCard Gold. | "Execution of documents for closing accounts when a client transfers to another bank" - 290,000 rubles for each account |
RRB Bank | Is free | 150,000 BYR (only in case of service without an electronic payment system). | Service - 105,000. Connection is free. | Client bank - 1370 BYR. Paper payment - 10 000 BYR. | 2) 1% - 7 partner banks. 3) 1.7% - all ATMs of the Republic of Belarus. | 1.5% - through the bank's cash desk 1) 0.8% - only in RRB Bank. 2) 1% - 7 partner banks. 3) 1.7% - all ATMs of the Republic of Belarus. | 0% | Visa Electron - free of charge Visa Classic - 75 000 BYR. Card personalization - 75 000 BYR (one-time payment). Gold - personalization 150,000 + annual service 400,000 BYR. Platinum - 300,000 BYR personalization + 900,000 BYR service per year. . | Is free. |
Francabank | 300 000 BYR | Is free | 100,000 BYR/month + 100,000 BYRinstallation + 300,000 BYR - collateral value of the carrier. | 800 BYR | 0,7% | 0% | 0,3% | Mastercard - 270,000 BYR for issue + 120,000 BYR for maintenance for 2 years. | BYR 350 000 |
Alfa Bank | 90 000 BYR | 135 000 BYR | 112 000 BYR +167 400 BYR (installation). | Paper payment - 20 000 BYR: Through the client-bank - 6300 BYR. | 1,5% | 0% at the bank's cash desk and ATMs of Alfa-Bank and partner banks. In other banks - 2%. | 0.2% (may vary by package up to 0.08%) | Maestro (24,000 BYR), MasterCard Standard (180,000 BYR), MasterCard Gold (450,000 BYR). | Is free |
Delta Bank | BYR 50 000 | 60 000 BYR | 100,000 BYR/month + 100,000 BYR for installation. | Paper payment - 15 000 BYR. Through the client-bank - 2000 BYR. | 2% | BYR - 2% Currency - 1.5% | 0,2% | Visa Electron (free), Visa Classic Visa Gold BelKart (free) | BYR 500 000 |
Eurotorginvestbank | Is free | Is free | 150 000 BYR - installation. 170,000 - monthly. | 20 000 BYR | The bank does not issue cards. | 1,5% | 0,2% | The bank does not issue cards. | BYR 175 000 |
BTA Bank | 100 BYR | 70 000 BYR | 190,000 - 280,000 BYR (depending on the package) | Paper - 15 000 BYR: Client bank - 4000 BYR. | 0 - 2% (individual) | 2% | 0% | Belkart - free of charge. Visa Classic - $15 Visa Electron - $10 Visa Gold - $40 | 660 000 BYR |
BelSwissBank | Is free | BYR 50 000 | Free installation. Maintenance: 0-5 payments = $15, 6-15 = $20: 16 or more = $25 | Over 200 million BYR - 2% | Up to 100 million BYR - 1% 100 million - 200 million - 1.5% Over 200 million BYR - 2% | 0% | Visa Electron is free. Visa Classic - 150 000 BYR. Visa Gold - 400 000 BYR Visa Platinum - 1,300,000 BYR per year. | 145 000 BYR | |
VTB Bank (Belarus) | Is free | 235,000 BYR (the price already includes 24 payments). | Installation and maintenance is free. | For every fifth payment - 30500 BYR. | 1% | Checks: 1.4% | 0.1% (min 20,000 BYR). | Visa Electron - 50,000 BYR: Visa Classic - 250,000 BYR + min. contribution500 000 BYR (will be available on the account). Visa Gold - 400,000 BYR + min. contribution 2 000 000 BYR. | 300,000 BYR + disconnection of the client-bank 236,000 BYR |
Belarusian Bank for Small Business | Is free | Is free | 150 000 BYR/month. | A package for a client-bank of 100 payments - 220,000 BYR. The rest - 2500 BYR. | 0,8% | 0% at ATMs of the bank and partners. | 0.3% (min 5000 BYR) | MasterCard and Maestro. Issue and maintenance free of charge. | 180 000 BYR. |
Priorbank | 150 000 BYR | 300 000 BYR | The cost is included in the subscription fee | 5 per month for free. 6th and further - 10,000 BYR. | 2% | 2% | 0.4% (min 20 000 BYR) | Belkart (35,000 BYR for 2 years), Visa Electron (60,000 BYR), Visa Classic (200,000 BYR), MasterCard, MasterCard PayPass, Visa Gold (1,500,000 BYR) and Visa Platinum (4,500,000 BYR). More details on the website. | 150 000 BYR |
BelVEB | Either a package for at least 135,000 BYR, or pay only the client-bank. | Is free. | Installation is free. The cost of maintenance is included in the package or 60,000 BYR/month. | 6600 - through the client-bank. 39,000 - paper payment. | 0,8% | 0% (including in partner banks) | 0,2% | Maestro, VisaElectron, BELKART-Maestro, BELKART-M - 25,000 BYR (one-time payment). MasterCard Standard, Visa Classic - 7 USD or 7 EUR per year. Visa Gold - 40 USD, 40 EUR or 250,000 BYR per year. Visa Platinum - 120 USD, 120 EUR or 1,000,000 BYR per year. | 400 000 BYR. |
Bank TK* | Is free | 130 000 BYR | Included in the cost of account maintenance. Installation - 100 000 BYR. | Payments have already been made. Non-urgent paper payment - 10 500 BYR | 0% | At the bank's cash desk: 1.5% - up to 10 million BYR. 1% - 10-30 million BYR. 0.8% - St. 30 million BYR. | 1% | The bank does not issue cards. | 100 000 BYR |
Nord European Bank | 70 000 BYR. | 140 000 BYR. | Installation - 172 000 BYR. Monthly - 140,000 BYR (if there is movement on the account). If there is no traffic, it's free. | Paper - 7000 BYR. Payments through the client-bank are already included in the cost of service. | The bank does not issue cards. | 1,5% | 1% | The bank does not issue cards. | Is free. |
Eurobank | Free, but 75,000 BYR for signature verification. | 300,000 BYR - without a client-bank. 260,000 - with a client-bank. | 350 000 BYR (one-time payment) | Free (already included in the cost of service) | The bank does not issue cards. | 1% | 1% (but not more than 100,000 BYR). | The bank does not issue cards. | 200 000 BYR. |
BIT-Bank | Is free | Is free | 150 000 BYR Installation is free. | Paper - 20 000 BYR. Through the client-bank - free of charge. Urgent payment - 50 000 BYR. | The bank does not issue cards. | 1% | 0% | The bank does not issue cards. | 200 000 BYR |
Absolut Bank | BYR 500 000 | 100 000 BYR | The first three months - 1000 BYR. Further - 100 000 BYR per month. | Included in the cost of service. Paper (when issued on the spot) - 40,000 BYR. | The bank does not issue cards. | 2% | 0,2% | The bank does not issue cards. | Is free |
Note. Bank TK - the license is temporarily suspended by the National Bank of the Republic of Belarus.
Summarizing the above, on the whole, the most even, without any high fluctuations, is the offer of RRB-Bank, due to which this particular bank can be advised to beginner individual entrepreneurs. More experienced ones will probably want to focus on some criterion, since other shortcomings may not interfere at all. So, for example, if you need to regularly make a lot of payments, you'd better choose "MTBank". If the key factor for you is the free opening and closing of an account, then again it is worth contacting RRB-Bank. Low interest rates will be waiting for you at the Belarusian Bank for Small Business and Fransabank, and the most profitable terms on opening an account and its maintenance, as well as the cost of using a client-bank, you will find in Paritetbank.
Of course, the information may change, but as of today, the picture is exactly that. It should be noted that in the table there is "Trading Capital Bank", despite the fact that at the moment the bank's license is suspended. Nevertheless, after some time (according to preliminary forecasts - in half a year) the bank's activity will be restored and the information indicated in the table will be relevant again.
In a word, carefully study the criteria and choose the bank that will provide the most favorable conditions for you and your company.
To carry out transactions with foreign currency, a branch of OJSC "Belagroprombank" in Smolevichi opens the accounts presented in the Appendix!!!.
The procedure for opening accounts is regulated by the Rules for opening bank accounts for clients in the Republic of Belarus, approved by the Resolution of the Board of the National Bank of the Republic of Belarus dated September 28, 2000 No. 24.12.
To open a foreign currency account, a legal entity (individual entrepreneur) submits to the bank:
* application for opening an account (for a charitable account, the purpose of use must be indicated Money from the account);
* a copy of the charter, which has a stamp indicating the holding state registration;
* a copy of the certificate of state registration - for individual entrepreneur;
* a card with samples of signatures and seal imprints (Appendix 80).
To open accounts in foreign currency, an individual presents an identity document. To open a charitable account, documents confirming the need to open such an account are also submitted.
When the National Bank of the Republic of Belarus changes the exchange rate of the Belarusian ruble against foreign currencies, all assets and liabilities of the balance sheet recorded in foreign currency are revalued. Liabilities formed at the expense of currency funds received in previous years. Revaluation of balance sheet items is carried out daily at the beginning of the working day. The procedure for accounting for exchange differences is presented in Appendix 66.
When accruing interest on current (settlement) accounts in a foreign country, the actual number of calendar days is taken into account and all changes in the amount of interest made by the Bank during the term of the Agreement are taken into account.
Interest is calculated monthly on the last business day of the month. The amount of accrued interest on current (settlement) accounts is added by the bank independently (without instructions/instructions of the account holder and without the written consent of the account holder) to the balance of funds on the account, and further accrual of interest is made on the new balance of funds on the account.
When closing an account, interest is accrued and paid in full in accordance with the terms of the current (settlement) account agreement.
Current (settlement) account, special accounts of legal entities and individual entrepreneurs are opened on balance accounts 3012 “Current (settlement) accounts of commercial organizations” and 3013 “Current (settlement) accounts of individual entrepreneurs”.
Accounting for foreign currency receipts to customer accounts is presented in Appendix 67.
Decree of the President of the Republic of Belarus dated July 17, 2006 No. 452 “On the mandatory sale of foreign exchange» an obligation was established for legal entities and individual entrepreneurs to carry out the mandatory sale of foreign currency in the domestic foreign exchange market Republic of Belarus in the amount of 30% of the amount of proceeds in foreign currency received on their accounts.
According to the Instruction on the procedure for the implementation of the mandatory sale of foreign currency in the domestic foreign exchange market on September 13, 2006 No. 129, a legal entity or an individual entrepreneur submits to the bank no later than 7 working days from the date of receipt:
§ foreign currency distribution register (Appendix 68);
§ payment order for the amount of foreign currency subject to sale on the stock exchange on account of the mandatory sale (Appendix 69);
§ a payment order in the amount of foreign currency less than the lot set at the exchange auction, for sale to the bank on account of the mandatory sale (if the amount of foreign currency subject to mandatory sale is less than 1000 units);
§ payment order for the transfer of foreign currency from a transit account to an account legal entity or an individual entrepreneur, to whom a transit account is opened, for the amount remaining after the mandatory sale (Appendix 70).
Based on the documents provided compulsory sale foreign currency in the manner prescribed by the Instruction on the procedure for the mandatory sale of foreign currency on the domestic foreign exchange market of September 13, 2006 No. 129.
The President of the Republic of Belarus established cases when the mandatory sale of foreign currency received on the account of a legal entity - a bank client is not carried out (Appendix 71).
Legal entities have the right to buy foreign currency on the domestic foreign exchange market of the Republic of Belarus or on the over-the-counter market.
When buying foreign currency on the exchange (over-the-counter) foreign exchange market: a legal entity submits to the executing bank an application for the purchase of foreign currency in two copies (Appendix 72), as well as copies of documents confirming the basis for the purchase of foreign currency.
In the over-the-counter foreign exchange market, a legal entity has the right to purchase foreign currency from a bank that is an executing bank, or from a bank-seller. When buying foreign currency from the bank-seller, the application is submitted in triplicate.
The purchased foreign currency must be used for its intended purpose within 7 working days from the day following the day of its purchase. The period of storage of foreign currency on a special account can be extended up to 30 business days (inclusive) with the permission of the National Bank.
In case of non-use of the acquired foreign currency before the expiration deadlines its storage on a special account, the client is obliged to re-sell this foreign currency to the executing bank on the exchange or over-the-counter currency market.
For the implementation of international settlements, international correspondent relations are established. When establishing international correspondent relations, a decentralized settlement method is used (by means of a payment order in foreign currency). Accounting for international settlements is presented in Appendix 73.
Branch of JSC "Belagroprombank" in Smolevichi provides loans to legal entities and individual entrepreneurs in foreign currency.
The procedure for granting a loan in foreign currency is established in clause 10 of the Instruction on the procedure for providing (placement) by banks of funds in the form of a loan and their return, approved by the Resolution of the Board of the National Bank of the Republic of Belarus on December 30, 2003 No. 226 and Ch. 11 Instructions on the procedure for providing economic entities with funds in the form of a loan and their return in the system of JSC "Belagroprombank", approved by the decision of the Board of JSC "Belagroprombank" dated 05.08.2010, protocol N 44.
The procedure for recording in accounting operations of granting, receiving and repaying loans in foreign currency is provided for by the Instruction on accounting operations of granting and receiving loans by banks and their repayment, approved by the Resolution of the Board of Directors of the National Bank of the Republic of Belarus dated 30.03.2007 No. 107 (Appendix 74), the Instruction on Accounting Operations in Foreign Currency of Banks of the Republic of Belarus, approved by the Resolution of the Board of Directors of the National Bank of the Republic of Belarus dated 26.12.2007 N 398 (Appendix 75), normative legal acts of the National Bank of the Republic of Belarus, which regulate the procedure for conducting operations in foreign currency and their reflection in accounting.
The basis for issuing a loan is a loan agreement.
To obtain a loan in foreign currency, a legal entity submits the following documents to the bank:
1. Application or application for a loan;
2. Balance sheet with all attachments to it;
3. Balance sheet as of the last quarterly date;
4. Copies of the agreement or other documents confirming credited transactions;
5. Additionally, data on the expected receipt and use of foreign exchange funds are provided;
6. Information on securing the fulfillment of obligations.
Legal entities whose current accounts are opened in other banks, in addition to the above documents, provide the bank with documents for opening a current account.
The decision to issue a loan is considered within 7 days.
To account for loans issued to legal entities and individual entrepreneurs, accounts 212 and 213, 232 and 233 groups are used.
Ensuring the fulfillment of obligations under loan agreement reflected in off-balance accounts: 99551 "Pledge, in which the subject of pledge remains with the pledgor"; 99553 "Pledge of goods in circulation"; 99034 "Bank requirements for guarantees and guarantees".
Interest for the use of a loan is accrued for the period from the date of issuance of the loan to the day preceding the repayment. Interest rate, billing period and frequency of payment of interest established by the contract.
Interest is calculated in accordance with the Rules for calculating interest in banks of the Republic of Belarus, approved by the Resolution of the Board of Directors of the National Bank of the Republic of Belarus dated December 29, 2000 N 31.3g (Appendix 76). The procedure for recording transactions for the issuance, accrual of interest and repayment of a foreign currency loan (on the example of a long-term loan commercial organization) is given in Appendix 77.
Branch of Belagroprombank JSC in Smolevichi carries out currency exchange operations with the participation of legal entities and individual entrepreneurs with non-cash foreign currency, as well as individuals with cash foreign currency.
Foreign exchange transactions include:
§ purchase of foreign currency - exchange of Belarusian rubles by banks of the subject currency transactions, bank, non-resident bank for foreign currency at established exchange rates;
§ sale of foreign currency - exchange by banks of foreign currency of a subject of foreign exchange operations, a bank, a non-resident bank for Belarusian rubles at established exchange rates;
§ foreign currency conversion - exchange by banks of one type of foreign currency of a subject of foreign exchange transactions, a bank, a non-resident bank for another type of foreign currency at established exchange rates.
When buying foreign currency, the client represents:
Application for the purchase of foreign currency (on paper - 2 copies, in the form of an electronic document - 1 copy);
Copies of documents that serve as the basis for the purchase of currency.
When selling - an application for sale (on paper - 2 copies, in the form of an electronic document - 1 copy)
The procedure for performing currency exchange transactions with the participation of legal entities and individual entrepreneurs is established by the Resolution of the Board of the National Bank of the Republic of Belarus dated July 28, 2005 No. No. 112 "On approval of the Instruction on the procedure for performing currency exchange transactions with the participation of legal entities and individual entrepreneurs", the procedure for conducting foreign exchange transactions with non-cash foreign currency on the over-the-counter market by the Treasury of Belagroprombank OJSC, approved by the decision of the Management Board of Belagroprombank OJSC dated December 23 .2009 N 79 (Appendix 78) and other local regulations.
The purchase of currency by a bank on its own behalf and at its own expense is reflected in the accounting in accordance with Ch. 7, 8 Procedure for conducting foreign exchange operations with non-cash foreign currency on the over-the-counter market by the Treasury of JSC "Belagroprombank", approved by the decision of the Board of JSC "Belagroprombank" dated December 23, 2009 N 79 (Appendix 78).
Banks carry out currency exchange operations with the participation of individuals in exchange offices and cash desks.
The procedure for performing currency exchange transactions with the participation of individuals, the organization of the work of exchange offices and cash desks are established by the Instruction on the procedure for carrying out currency exchange operations with the participation of individuals and the organization of the work of exchange offices, cash desks during such operations, approved by the Resolution of the Board of the National Bank of the Republic of Belarus dated 01.02.2011 No. 35 (Appendix 79), local regulations of the Bank.
Prior to the beginning of the working day, by order of the bank, the rates of purchase, sale, and conversion of foreign currency are established and brought to the exchange office (cash desk) (Appendix 80). The established rates are registered by the cashier in the journal of established rates.
Purchase, sale, conversion of cash foreign currency is carried out with the filling in by the cashier of the register of purchased foreign currency (Appendix 81), the register of sold foreign currency (Appendix 82), the register of foreign currency conversion (Appendix 83).
At the end of the working day, the cashier draws up a reporting statement, attaches registers of the transactions performed for the day and transfers it to the bank to reflect the transactions in the account.
The procedure for recording the purchase, sale (conversion) of foreign currency in cash is given in Appendix 84.
Agreement between the bank and customers on the placement of funds and transactions with data means - discovery settlement account.
Legal entities obliged open such an account for non-cash payments in the course of their activities.
Individual entrepreneurs, depending on the type of activity may not open bank accounts.
Businessman may not open bank account, provided that it:
- pays EH (single tax)
- does not use cash registers and (or) computer systems
- has a gross revenue of up to 1000 base units
You can open an account at any bank. Only you give preference, but here, of course, you should rely on the conditions offered by a particular bank.
What is needed for this?
Legal entities, as well as individual entrepreneurs, to open an account, must submit to a bank or non-bank financial institution the following documents:
- account opening application
- copy of the charter - for a legal entity
- a copy of the certificate of state registration - for individual entrepreneurs
Other documents for opening a bank account are not submitted
Opening order
The future client of the bank submits to the bank application for opening an account. You receive such a statement either at the bank itself or on its website.
This application indicates the details of the organization or entrepreneur, as well as what services you want to use.
The Bank certifies the authenticity of the signatures of officials of a legal entity and an individual entrepreneur to confirm the authority to conduct settlements with funds that are on the current account.
That's all, you have opened a bank account, now you can carry out operations on it.
However, if the account is not opened by you, but by your representative, then a power of attorney, which gives the authority to perform such an action.
After opening an account, your bank during the working day notifies about the opening of a current account:
- tax authority
- FSZN authority
What else?
Such conditions will be, for example:
- account maintenance cost
- bank guarantees
- single transaction price
- Internet banking functions
Over the past few years, Belagroprombank has acquired the main features of a diversified credit institution. His clients include not only individuals, but also large enterprises from various industrial sectors. At the moment, interactions with other financial institutions are clearly debugged.
Many people consider Belagroprombank deposits as additional source income. The institution has developed a large number of special programs for them.
"Maximum"
One of the interesting offers for individuals is a term irrevocable deposit "Maximum". It does not provide for any special conditions and benefits for certain categories citizens. The main term depends on the currency in which the account is opened. Interest is added to the principal amount of the deposit or transferred to the account.
Parameters | Currency | |||
Belorussian rubles | Russian rubles | American dollars | Euro | |
Interest rate | 11,5 | 7,5 | 2,6 | 1,6 |
Minimum amount | 1000 | 30000 | 500 | 500 |
Term in days | 370 | 735 | 735 | 735 |
Possibility to replenish the account | Not | There is | ||
Debit transactions | Not provided |
Attention: additionally, see . The institution is the largest in Belarus.
"Max Plus"
Of all the deposits of Belagroprombank, this one should also be singled out. Opening an account is carried out by non-cash transfer of funds. Three major currencies are available to consumers. Accrued interest is added to the amount that was deposited when opening an account.
Parameters | Currency | ||
Russian rubles | U.S. dollars | Euro | |
Interest rate | 8 | 3 | 2 |
Minimum amount | 100000 | 1000 | 1000 |
Term in days | 735 | ||
Possibility to replenish the account | Missing | ||
Withdrawals under the program | Impossible |
Important: to find, you need to compare several programs with each other at once, and then choose the offer that implies the highest possible rate.
"@gro"
To open a deposit, it is proposed to use a remote method. There is no need to visit a bank branch, just go to the website and make a deposit in 5 steps. Within the framework of this program, the timing varies. Consumers can choose the most suitable time period. As the period increases, the rate increases.
Parameters | Currency | |||
Belorussian rubles | American dollars | Russian rubles | Euro | |
Set bet amount | 5-8 | 0,7-1,6 | 3-4,1 | 0,2-0,5 |
Minimum amount | 50 | 25 | 2000 | 25 |
Term in days | 35-370 | |||
Refill | Allowed for deposits with a period of 95-370 days | |||
Partial claim of money | Not provided |
"@gro irrevocable"
Another option with the possibility of remote opening. It differs from the previous deposit of Belagroprombank by higher rates. As for the rest of the conditions, they are very similar. However, it should be noted that there is no possibility to replenish the set in this case.
Parameters | Currency | |||
Belorussian rubles | U.S. dollars | Russian rubles | Euro | |
Rate range | 5,5-11,5 | 0,7-2,6 | 3-6,5 | 0,3-1,8 |
Minimum amount | 50 | 25 | 2000 | 25 |
Term in days | 35-370 | |||
Deposit replenishment | Impossible | |||
Debit transactions | Not allowed |
For your information: not so easy to find. There are a huge number of banking offers on the market that have completely different conditions and rates.
"Standard"
Within the existing deposit interest rate may be variable or fixed. You can choose one of the four available monetary units. When opening a deposit for a longer period, it is possible to replenish the account.
Parameters | Currency | |||
Belorussian rubles | Euro | American dollars | Russian rubles | |
Fixed rate | 6-7 | 0,4-1 | 0,6-2,1 | 4,5-5 |
variable rate | 9,1-11,5 | 0,6-1,8 | 0,9-2,7 | 4,5-6,5 |
Minimum deposit | 50 | 50 | 50 | 3000 |
Term at a fixed rate (in days) | 95-735 | |||
Term at a variable rate (in days) | 95-1110 | |||
Deposit replenishment | Provided only for terms of 735 days | |||
Withdrawing money within the program | Not allowed |
On a note: although the American dollar is not, it is in demand in many countries. This currency unit occupies a leading position in terms of liquidity.
“Growth line 3.0. Up to a year"
Considering the deposits of Belagroprombank, one cannot fail to single out an improved savings program, which opens up new opportunities for customers. Interest on the deposit is paid in cash or by transfer to the specified account.
Parameters | Currency | |||
Belorussian rubles | U.S. dollars | Russian rubles | Euro | |
Deposit rate | 4-7,9 | 0,6-1,2 | 2-4 | 0,1-0,3 |
Minimum deposit | 10 | 10 | 500 | 10 |
Term in days | 35, 95, 185 and 280 | |||
Possibility to replenish the account | Exists for deposits for a period of 95 days | |||
Carrying out debit transactions | No provided |
“Growth line 3.0. Over a year"
The deposit is similar in many respects to the previous option, but the terms in this case are significantly increased. As for interest charges, they are monthly added to the principal amount or transferred to the account reflected directly in the application.
Parameters | Currency | |||
Rubles RB | U.S. dollars | Russian rubles | Euro | |
Interest rate | 8 | 1,5-2 | 4 | 0,4-0,5 |
Minimum deposit | 10 | 10 | 500 | 10 |
Term in days | 370, 735 or 1110 | |||
Depositing money after opening an account | Maybe | |||
Partial Withdrawals | Not allowed |
Interesting: listed deposits can be compared with . The institution for individuals offers special programs with additional opportunities.
"Care"
For older people who receive state benefits and pensions, Belagroprombank offers a special product. The deposit is available to clients at the place of registration of the pension account "Care". The base currency is only the Belarusian ruble.
Basic conditions:
- fixed rate - 7,9% ;
- the minimum available amount is 10 rubles of the Republic of Belarus;
- the standard term for keeping money is 270 days;
- replenishment of the account is possible within 235 days after the opening of the deposit;
- partial recovery of funds is allowed.
Additionally: can be taken for comparison. Within the framework of the developed programs, there are quite attractive offers for the bulk of consumers.
"Deposit card"
When registering a deposit account, a plastic card is issued Master Card standard. Money can be stored on the card as in Belarusian rubles, and in US dollars or European currency.
Conditions for opening a deposit:
- bid - 4% when stored in rubles of the Republic of Belarus, 0,7% — in US dollars, 0,1% - In Euro;
- the minimum amount is 100 units for all currencies;
- the card is valid for 315 days;
- term - 360 days;
- replenishment of the account is allowed using a card;
- there is a possibility of partial withdrawal of money.
Summing up
It can be seen that there are a lot of options for opening Belagroprombank deposits, so most consumers will be able to find optimal solution. Offers with higher rates deserve special attention, since in this case it will be possible to get the highest income.
For many customers, the option with a deposit card may be suitable. With its help, it is allowed to carry out income and expenditure operations which is very convenient for citizens.
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