Promsvyazbank - open a current account for an individual entrepreneur or LLC. Current account in Promsvyazbank for individual entrepreneurs and LLCs
Promsvyazbank is one of the largest private banks in Russia. It currently ranks ninth among the largest credit institutions in Europe. The main activity of a banking organization is to provide services to legal entities.
Promsvyazbank provides assistance to entrepreneurs in managing their affairs. For this purpose, the bank has developed special service programs:
- No extra fees. The main advantage of this program is that the subscription fee has been completely waived for entrepreneurs. In addition, all transfers of funds to individuals' accounts will be free of charge.
- Business Start (Promsvyazbank). The program is perfect for businesses with little financial activity. The main advantages of the program are that it offers the lowest tariff for doing business; in addition, you can carry out up to 5 payments free.
- Business Light. The main advantages of the program: low tariffs for making payments, making up to 5 free payments, free intrabank transfers.
- Business 24×7. The main advantages of the program: extremely low cost of payment order, make 15 free payments, external payments can be made until 23:00.
- Business check. This tariff is perfect for those entrepreneurs whose business is directly related to large amounts of cash. The main advantages of the program: the most favorable conditions for depositing cash, up to 25 payments are made free of charge.
- My business. The program includes both bank and accountant services. Using the program, you can make calculations and do accounting.
- Business without borders. This program is perfect for entrepreneurs making international payments. By connecting to the program, you will receive the most convenient conditions for opening an account in any currency.
Promsvyazbank offers RKO tariffs for legal entities that are affordable, as well as. You can get acquainted with them on the official website of the bank, as well as in the branch of their organization.
"Promsvyazbank" tariffs for cash settlement services of the main type:
- opening an account for servicing an enterprise is carried out for a fee in the amount of - from 590 to 890 rubles. In the “My Business” tariff, opening an account is free.
- urgent account opening will cost – 3000 rubles for all tariff plans.
- account servicing fee is - from 1050 to 1800 rubles per month.
- Closing an account is free of charge for all tariffs.
Basic tariffs for transactions with cash and non-cash funds:
- Cash replenishment is carried out without commissions for all tariffs.
- Replenishment via bank transfer is carried out without commissions for all tariffs.
Current account tariffs at Promsvyazbank are also affordable.
Opening a current account for entrepreneurs is carried out in two ways: through an online application on the bank’s website and through a regular application at a branch of a banking organization. When filling out an application at the bank, an employee of the organization will inform you about all the nuances of filling out the application form.
Promsvyazbank also offers to open a current account for individual entrepreneurs online:
- First you need to go to the official website of the bank.
- On the main page of the site, you need to go to the “Business” tab.
- On the page that opens, select “Cash and settlement services”.
- Here you can choose any of the proposed tariff plans. To the right of the tariff there will be a button “Open an account”. After clicking this button, the application form will open.
- After filling out all the required fields, the application will be transferred to a bank employee. It is possible to open an account with Promsvyazbank for individual entrepreneurs only after approval by bank employees.
- Upon completion of consideration of the submitted application, an employee of the organization will contact the client at the specified telephone number and inform about further actions.
Many entrepreneurs are interested in doing business without extra commissions. Promsvyazbank meets individual entrepreneurs halfway, offering affordable rates for servicing a current account.
Lending and overdraft for individual entrepreneurs
The line of overdraft lending at Promsvyazbank has the best conditions on the Russian market. Currently, the bank operates the following types of overdraft business lending:
- Overdraft with a designated period for cash payments. In this case, the tranche with the earliest disbursement date is initially paid. The advantage of this method is that the client does not need to fully repay the entire amount of the debt.
- Overdraft with a continuous debt period. In this case, all issued monetary debts must be repaid within the designated period. This overdraft is suitable for those clients who wish to maintain payment discipline and want to pay off all debts in one day.
- Advance overdraft. Such an overdraft is determined depending on what turnover and in what quantity the client has in other banking organizations.
- Fixed overdraft. In this case, the overdraft size will have a certain limit.
- Overdraft with a floating limit. In this case, the size of the limit will change depending on the turnover on the client’s current account.
1. Identification documents of individual entrepreneurs, other persons included in the card with specimen signatures and seal impressions (KOPOP), as well as persons authorized to use an electronic signature (ES).
- - notarized copy
2. Information about business reputation ():
One document of the client's choice
2.1. Reviews (in any written form, if possible) about the Client from other Bank Clients who have business relations with him
Can be provided in the form:
- a notarized copy of the original, for subsequent copying by the Bank of the original
2.2. Feedback (in any written form, if possible) from other credit institutions where the Client was/is previously served, with information from these credit institutions about the assessment of his business reputation
Can be provided in the form:
- notarized copy
2.3. Feedback (in free written form, if it is possible to receive them) from the Client’s main/planned counterparties who have/plan to establish business relations with him, on the assessment of the Client’s business reputation
Can be provided in the form:
- notarized copy
- the original, for its subsequent copying by the Bank of a copy certified by the individual entrepreneur with the simultaneous presentation of the original document for review and establishment of compliance with the copy of the original
3. Documents confirming the authority of individual entrepreneur representatives to open bank accounts and manage them:
One document of the client's choice
3.1. powers of attorney (agreements) granting the right to open bank accounts and dispose of them to persons specified in the COPOP, granting the right to use an electronic signature, an analogue of a handwritten signature;
Can be provided in the form:
- Powers of attorney are submitted to the Bank exclusively in the original or in the form of a notarized copy. The Bank does not make or certify copies of original powers of attorney, and does not accept copies of powers of attorney certified by the Client.
3.2. documents limiting the powers of representatives of individual entrepreneurs (if any);
Can be provided in the form:
- notarized copy of the original
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4. Unified State Register of Individual Entrepreneurs, if less than 30 days have passed since the date of state registration of the individual entrepreneur and there is no information about the individual entrepreneur in the Unified State Register of Individual Entrepreneurs
Can be provided in the form:
- notarized copy
- original for subsequent copying by the Bank
- a copy certified by the individual entrepreneur with the simultaneous presentation of the original document for review and verification of compliance of the copy
- 5.
- 6. Client Questionnaire - Individual Entrepreneur
- 7. Tax resident questionnaire - individual entrepreneur/individual entrepreneur 1
- 8. KOPOP 2
1. Registration document
One document of the client's choice
1.1. Order of the Ministry of Justice of the Russian Federation on the appointment of a notary (for notaries);
Can be provided in the form:- notarized copy
- original for subsequent copying by the Bank
- a copy certified by the individual entrepreneur with the simultaneous presentation of the original document for review and verification of compliance of the copy
1.2. a document confirming the membership of the Arbitration Manager in the self-regulatory organization of arbitration managers (for arbitration managers)
Can be provided in the form:
- notarized copy
- original for subsequent copying by the Bank
- a copy certified by the individual entrepreneur with the simultaneous presentation of the original document for review and verification of compliance of the copy
1.3. lawyer certificate issued by a territorial body of the Ministry of Justice of the Russian Federation (for lawyers)
Can be provided in the form:- notarized copy
- original for subsequent copying by the Bank
- a copy certified by the individual entrepreneur with the simultaneous presentation of the original document for review and verification of compliance of the copy
1.4. a certificate from the Chamber of Lawyers confirming the lawyer’s membership in the Chamber of Lawyers and the establishment of a lawyer’s office by the lawyer, indicating the registration number from the regional register of lawyers (for lawyers)
Can be provided in the form:
- notarized copy
- original for subsequent copying by the Bank
- a copy certified by the individual entrepreneur with the simultaneous presentation of the original document for review and verification of compliance of the copy
2. Certificate of registration with the tax authority as a taxpayer
Can be provided in the form:
- notarized copy
- original for subsequent copying by the Bank
- a copy certified by the individual entrepreneur with the simultaneous presentation of the original document for review and verification of compliance of the copy
3. Documents proving the identity of the Client, other persons who are not private individuals authorized to open an account, included in the Card with sample signatures and seal impressions, as well as persons authorized to use an electronic signature, an analogue of a handwritten signature
Can be provided in the form:
- notarized copy
- original for subsequent copying by the Bank
One document of the client's choice
4.1. reviews (in any written form, if it is possible to receive them) about the Client from other Bank Clients who have business relations with him;
Can be provided in the form:
- notarized copy
- original for subsequent copying by the Bank
- a copy certified by the individual entrepreneur with the simultaneous presentation of the original document for review and verification of compliance of the copy
4.2. reviews (in any written form, if possible) from other credit institutions where the Client was/is previously served, with information from these credit institutions about the assessment of his business reputation;
Can be provided in the form:
- notarized copy
- original for subsequent copying by the Bank
- a copy certified by the individual entrepreneur with the simultaneous presentation of the original document for review and verification of compliance of the copy
4.3. reviews (in any written form, if possible) of the Client’s main/planned counterparties who have/plan to establish business relations with him on the assessment of the Client’s business reputation
Can be provided in the form:
- notarized copy
- original for subsequent copying by the Bank
- a copy certified by the individual entrepreneur with the simultaneous presentation of the original document for review and verification of compliance of the copy
5. Documents confirming the powers of representatives of the PPCP (if available)
One document of the client's choice
5.1. Powers of attorney (agreements) granting the right to open bank accounts and dispose of them to persons specified in the COPOP, granting the right to use an electronic signature, an analogue of a handwritten signature
- notarized copy
- original
5.2. Documents limiting the powers of representatives of PPCPs (if any)
Can be provided in the form:
- notarized copy
- original
These documents are provided only in originals.
Generate them automatically using .
- 6. Application for provision of comprehensive banking services
- 7. Client Questionnaire – LZPP
- 8. Tax resident questionnaire – individual entrepreneur/individual entrepreneur 1 If the Client is a tax resident.
- 9. KOPOP 2 Notarized or certified by the Bank. When issuing a card according to the Bank's form, an application for a combination of signatures is not provided.
1. Charter
Provided in case
- notarized copy
- a copy certified by the body (organization) that issued (registered) the relevant document (for example, a copy of the certificate of registration with the tax authority as a taxpayer can be certified by the tax authority)
Provided in case of:
- If there are changes and additions, these changes and additions or a new edition of the charter are provided. If there is a new current version of the charter and previously valid versions of the charter, only the new version of the charter is provided (except for cases where the previously valid versions of the charter are required by the Bank to establish information about the client (for example, if the sole executive body (SEB) was elected before approval current version of the charter)).
- notarized copy
- original for subsequent copying by the Bank
2. Documents confirming the authority of the sole executive officer and other representatives of the legal entity to open bank accounts and manage them:
List of documents
2.1. Protocol (decision) of the authorized body on the appointment of an individual sole executive
- - a public joint-stock company - the person maintaining the register of shareholders of such a company and performing the functions of the counting commission (registrar);
- - non-public joint stock company - by a notary (in the form of a certificate) or a registrar;
- - limited liability company - by a notary (in the form of a certificate), unless another method is provided for by the charter of such a company or by a decision of the general meeting of the company's participants, adopted unanimously by the company's participants (must also be submitted to the Bank).
- notarized copy
- original for subsequent copying by the Bank
- a copy certified by the individual entrepreneur with the simultaneous presentation of the original document for review and verification of compliance of the copy
2.2. Orders (powers of attorney) granting the right to open bank accounts and dispose of them to other persons specified in the COPOP, granting the right to use an electronic signature, an analogue of a handwritten signature
- notarized copy
- original for subsequent copying by the Bank
2.3. Orders confirming that the persons specified in the KOPOP are employees (employees) of the organization
Can be provided as
- notarized copy
- original for subsequent copying by the Bank
2.4. Documents limiting the powers of the individual sole executive officer, as well as other representatives of the legal entity, except for its individual sole executive officer (if any)
Can be provided as- notarized copy
- original for subsequent copying by the Bank
3. Identity documents of the manager, persons specified in the KOPOP, other representatives of the legal entity (including persons authorized to use an electronic signature (ES), an analogue of a handwritten signature)
Can be provided as
- notarized copy
- original for subsequent copying by the Bank
4. Information about business reputation
One document of the client's choice
4.1. Reviews (in any written form, if it is possible to receive them) about the Client from other Bank Clients who have business relations with him;
Can be provided as
- notarized copy
- original for subsequent copying by the Bank
- a copy certified by the individual entrepreneur with the simultaneous presentation of the original document for review and verification of compliance of the copy
- original
4.2. Reviews (in any written form, if possible) from other credit institutions where the Client was/is previously served, with information from these credit institutions about the assessment of his business reputation;
Can be provided as
- notarized copy
- original for subsequent copying by the Bank
- a copy certified by the individual entrepreneur with the simultaneous presentation of the original document for review and verification of compliance of the copy
- original
4.3. Feedback (in free written form, if possible) from the Client’s main/planned counterparties who have/plan to establish business relations with him on the assessment of the Client’s business reputation
Can be provided as
- notarized copy
- original for subsequent copying by the Bank
- a copy certified by the individual entrepreneur with the simultaneous presentation of the original document for review and verification of compliance of the copy
- original
5. Licenses (if required)
Can be provided as
- notarized copy
- original for subsequent copying by the Bank
- a copy certified by the individual entrepreneur with the simultaneous presentation of the original document for review and verification of compliance of the copy
6. Unified State Register of Legal Entities, if less than 30 days have passed since the date of state registration of the legal entity and there is no information about the legal entity in the Unified State Register of Legal Entities
Can be provided in the form:
- notarized copy
- original for subsequent copying by the Bank
- a copy certified by the individual entrepreneur with the simultaneous presentation of the original document for review and verification of compliance of the copy
7. Extracts from the register of shareholders (in cases where required by the Bank for the adoption of decisions (minutes) adopted by general meetings of shareholders of Clients who are joint-stock companies)
Can be provided as
- notarized copy
- original for subsequent copying by the Bank
- a copy certified by the individual entrepreneur with the simultaneous presentation of the original document for review and verification of compliance of the copy
1. Charter
More details
1.1. Charter If there are changes and additions, these changes and additions or a new version of the charter are provided. If there is a new current version of the charter and previously valid versions of the charter, only the new version of the charter is provided (except for cases where the previously valid versions of the charter are required by the Bank to establish information about the client (for example, if the sole executive body (SEB) was elected before approval current version of the charter))
Provided in case
- If there are changes and additions, these changes and additions or a new edition of the charter are provided. If there is a new current version of the charter and previously valid versions of the charter, only the new version of the charter is provided (except for cases where the previously valid versions of the charter are required by the Bank to establish information about the client (for example, if the sole executive body (SEB) was elected before approval current version of the charter)).
- notarized copy
- a copy certified by the body (organization) that issued (registered) the relevant document (for example, a copy of the certificate of registration with the tax authority as a taxpayer can be certified by the tax authority)
1.2. Articles of Association (if any)
Provided in case of:
- If there are changes and additions, these changes and additions or a new edition of the charter are provided. If there is a new current version of the charter and previously valid versions of the charter, only the new version of the charter is provided (except for cases where the previously valid versions of the charter are required by the Bank to establish information about the client (for example, if the sole executive body (SEB) was elected before approval current version of the charter)).
- original for subsequent copying by the Bank
- notarized copy
1.3. Protocol (decision) of the authorized body on the appointment of an individual sole executive
In accordance with Art. 67.1 of the Civil Code of the Russian Federation Minutes (decisions) of the general meeting of participants (shareholders) / decisions of the sole participant (shareholder) of a joint-stock company (public, non-public), limited liability company, adopted by them after September 1, 2014, must be confirmed in relation to:
public joint stock company - the person maintaining the register of shareholders of such a company and performing the functions of the counting commission (registrar); non-public joint stock company - a notary (in the form of a certificate) or a registrar; limited liability company - by a notary (in the form of a certificate), unless another method is provided for by the charter of such a company or by a decision of the general meeting of the company's participants, adopted unanimously by the company's participants (must also be submitted to the Bank).
In accordance with Art. 67.1 Civil Code of the Russian Federation
- Minutes (decisions) of the general meeting of participants (shareholders) / decisions of the sole participant (shareholder) of a joint-stock company (public, non-public), limited liability company, adopted by them after September 1, 2014, must be confirmed in relation to:
- notarized copy
- original for subsequent copying by the Bank
2. Regulations on the branch/representative office
Can be represented as
- notarized copy
- original for subsequent copying by the Bank
3. Power of attorney for the head of the branch/representative office, providing the right to open bank accounts and manage them
Can be provided in the form:
- notarized copy
- original
4. Documents confirming the authority of the sole executive officer and other representatives of the legal entity to open bank accounts and manage them:
List of documents
4.1. Protocol (decision) of the authorized body on the appointment of an individual sole executive
In accordance with Art. 67.1 Civil Code of the Russian Federation
- Minutes (decisions) of the general meeting of participants (shareholders) / decisions of the sole participant (shareholder) of a joint-stock company (public, non-public), limited liability company, adopted by them after September 1, 2014, must be confirmed in relation to:
- a public joint-stock company - the person maintaining the register of shareholders of such a company and performing the functions of the counting commission (registrar); - non-public joint stock company - by a notary (in the form of a certificate) or a registrar; - limited liability company - by a notary (in the form of a certificate), unless another method is provided for by the charter of such a company or by a decision of the general meeting of the company's participants, adopted unanimously by the company's participants (must also be submitted to the Bank).
- notarized copy
- original for subsequent copying by the Bank
4.2. Orders (powers of attorney) granting the right to open bank accounts and dispose of them to other persons specified in the COPOP, granting the right to use an electronic signature, an analogue of a handwritten signature
Can be provided as
- notarized copy
- original for subsequent copying by the Bank
4.3. Orders confirming that the persons specified in the KOPOP are employees (employees) of the organization
Can be provided as
- notarized copy
- original for subsequent copying by the Bank
4.4. Documents limiting the powers of the individual sole executive officer, as well as other representatives of the legal entity, except for its individual sole executive officer (if any)
Can be provided as
- notarized copy
- original for subsequent copying by the Bank
5. Identification documents of the head of the branch/representative office, persons specified in the KOPOP, and other representatives of the legal entity (including persons authorized to use an electronic signature, an analogue of a handwritten signature)
Can be provided in the form:
- notarized copy
- original for subsequent copying by the Bank
6. Information about business reputation
One document of the client's choice
6.1 Reviews (in any written form, if possible) about the Client from other Bank Clients who have business relations with him;
Can be provided in the form:
- notarized copy
- original for subsequent copying by the Bank
- original
6.2 Reviews (in any written form, if possible) from other credit institutions where the Client was/is previously served, with information from these credit institutions about the assessment of his business reputation;
Can be provided in the form:
- notarized copy
- original for subsequent copying by the Bank
- original
6.3 Feedback (in free written form, if possible) from the Client’s main/planned counterparties who have/plan to establish business relations with him on the assessment of the Client’s business reputation
Can be provided in the form:
- notarized copy
- original for subsequent copying by the Bank
- original
7. Licenses (if required)
Can be provided in the form:
- notarized copy
- original for subsequent copying by the Bank
8. Unified State Register of Legal Entities, if less than 30 days have passed since the date of state registration of the legal entity and there is no information about the legal entity in the Unified State Register of Legal Entities
Can be provided in the form:
- notarized copy
- original for subsequent copying by the Bank
These documents are provided only in originals.
Generate them automatically using .
- 9. Application for provision of comprehensive banking services
- 10. Client Questionnaire - Legal Entity
- 11. KOPOP 2 Notarized or certified by the Bank. When issuing a card according to the Bank's form, an application for a combination of signatures is not provided.
- 12. Tax resident form – legal entity
1. Documents confirming the legal status of a non-resident legal entity
Can be provided in the form:
Hide2. Document confirming the election of the sole executive body (SEB)
Can be provided in the form:
- notarized copy of duly legalized documents
3. Power of attorney issued by a non-resident legal entity to an authorized person authorized to enter into bank account agreements and manage the bank account
Can be provided in the form:
- notarized copy of duly legalized documents
4. Certificate of registration with the tax authority (assignment of a TIN) or certificate of registration with the tax authority (assignment of the KIO)
Can be provided in the form:
- notarized copy of duly legalized documents
5. Documents confirming the authority of the persons indicated in the card with sample signatures and seal imprint (KOPOP) to carry out transactions on a bank account, granting the right to use an electronic signature (ES), an analogue of a handwritten signature
Can be provided in the form:
- notarized copy of duly legalized documents
6. Licenses (permits), if these licenses (permits) are directly related to the legal capacity of a non-resident legal entity to enter into a bank account agreement on the basis of which the account is opened
Can be provided in the form:
- notarized copy of duly legalized documents
7. Identification documents of the manager and persons specified in the KOPOP, other representatives of a non-resident legal entity (including persons authorized to use an electronic signature, an analogue of a handwritten signature)
Can be provided in the form:
- notarized copy
- original
8. Notarized COPOP
Can be provided in the form:
- original
Application for establishing combinations of handwritten signatures of persons authorized to sign, necessary for signing documents containing the client’s order specified in the KOPOP (not required if the KOPOP is presented in the Bank’s form)
Can be provided in the form:
- original
10. Documents on financial position
10.1 for all non-resident legal entities - data on the Client’s rating posted on the Internet on the websites of international rating agencies (Standard & Poor's, Fitch-Ratings, Moody's Investors Service and others) and national rating agencies)
Can be provided in the form:
- a letter from the Client indicating the name of the rating agency and the rating assigned to the Client, signed by the Client’s authorized person and certified by the Client’s seal (if there is a seal)
10.2 for legal entities - non-residents who are Russian taxpayers List of documents to choose from the client
List of documents for the client's choice
10.2.1 a copy of the annual financial statements (balance sheet, financial performance report);
Can be represented as
10.2.2 a copy of the annual (or quarterly) tax return;
Can be represented as
- with marks from the tax authority confirming their acceptance
- with a copy of the receipt for sending a registered letter with a description of the attachment (if sent by mail)
- with a copy of the confirmation of shipment on paper (if transmitted electronically)
10.2.3 a copy of the latest audit report;
10.2.4 a certificate of fulfillment by the taxpayer (payer of fees, tax agent) of the obligation to pay taxes, fees, penalties, fines, issued by the tax authority;
10.3 for legal entities – non-residents who are not Russian taxpayers
One document of the client's choice
10.3.1 a copy of the audited (in the absence of management) annual financial statements;
Provided in case10.3.2 a letter confirming that there is no obligation to provide financial reports to the competent government authorities and copies of internal documents at the place of registration or activity of the Client for the purposes of financial and economic accounting;
Provided in case- if the legislation of the country (territory) in which the Foreign structure without the formation of a legal entity is established establishes the obligation to provide financial reports to the competent (authorized) government agencies at the place of its registration or activity
10.4 for non-resident legal entities with a registration period of less than six months in the absence of the above documents
List of documents
10.4.1 certificate of open current accounts with turnover on them (if any) in any credit institution, regardless of the country in which the account was opened, for any month
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11. Information about business reputation
One document of the client's choice
11.1 Reviews (in any written form) about the Client from other Bank Clients who have business relations with him;
11.2 Reviews (in any written form) from other credit institutions where the Client was/is previously served, with information from these credit institutions about the assessment of his business reputation;
11.3 Feedback (in free written form) from the Client’s main/planned counterparties who have/plan to establish business relations with him on the assessment of the Client’s business reputation
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12. Permission from the national (central) bank of a foreign state (if available)
Can be provided in the form:
- notarized copy of duly legalized documents
13. Internal documents of the Client limiting the powers of the sole executive officer and/or other Representatives of the Client (if any)
Can be provided in the form:
- notarized copy of duly legalized documents
14. Additionally provided when opening an account for a representative office or branch of a non-resident legal entity
14.1 Regulations or other document on a branch (representative office) of a non-resident legal entity, a decision of a non-resident legal entity on the creation of a branch (representative office) on the territory of the Russian Federation and the appointment of the head of the branch (representative office) (only for branches and representative offices)
Can be provided in the form:
- notarized copy of duly legalized documents
14.2 Permission to open a representative office of a non-resident legal entity or other documents indicating the accreditation of a representative office of a non-resident legal entity in the Russian Federation; extract (notarized copy of the extract) from the consolidated state register of representative offices (branches) of foreign companies accredited in the Russian Federation (only for branches and representative offices)
Provided in case of:
- notarized copy of duly legalized documents
14.3 Power of attorney issued to the head of a branch (representative office) to open a bank account, conclude a Bank Account Agreement and/or manage funds in a bank account (only for branches and representative offices)
Can be presented as:
- notarized copy of duly legalized documents
1. Documents confirming the legal status of ISBOLE
Can be provided as
- notarized copy of duly legalized documents
2. Documents confirming registration of ISBOYUL
Can be provided as
- notarized copy of duly legalized documents
3. Document confirming the election of the sole executive body (if there is a sole executive body)
- notarized copy of duly legalized documents
4. Power of attorney issued by ISBOLE to an authorized person authorized to enter into bank account agreements and manage the bank account
Can be provided as
- notarized copy of duly legalized documents
For medium-sized companies, the cost of services is as follows:
- Opening an account RUB 2,200;
- Cash transactions: deposit without commission, withdrawal is paid, the amount of the commission depends on the purpose of spending the funds and the volume of average monthly turnover of the legal entity from 0.5% (issuance of funds for wages up to 11% of the withdrawal amount, if the daily turnover of the legal entity is more than 2 million, rub./day;
- Fee for transferring funds 0.03%.
In addition to basic services, the bank offers clients the following additional features, the cost of which is included in the cash settlement:
- Collection services;
- Internet and trade acquiring;
- Providing a business card;
- Factoring;
- Currency control.
The list of full tariffs and cost of services can be viewed at the link.
As part of the promotion, until July 31, 2018, the bank offers small businesses to open an account for legal entities free of charge, without fees for maintaining and connecting to Internet banking.
Package offers
The Bank operates the following programs for servicing small businesses, LLC:
- Pay less. Service is offered for 399 rubles/month, free mandatory payments and cash replenishment of up to 30 thousand rubles;
- Business Start. There is no fee for opening and maintaining an account. When using Internet banking, you can make 3 transactions for free every month, as well as transfer money to legal entities for free.
- Business Light. Payments by card without commission between bank accounts, the opportunity to save on services by transferring the fee in advance, the minimum tariff for maintaining an account in PSB On-Line.
- Business 24x7. For clients who prefer to be served at any convenient time. If the conditions for advance servicing are met, the discount will be 21%; non-cash transactions can be made around the clock;
- Business check. To service trading companies, preferential rates for cash deposits are provided.
A complete list of fees and current account features is available here.
What tariff should I choose at Promsvyazbank?
The choice of tariff depends on the category of business. A service program is suitable for trading companies "Business check". For companies that are just starting their activities and do not yet have sufficient turnover on their current account, the best solution would be to connect to the program Business Start. For legal entities who constantly make transfers and payments, are active users of current accounts, the tariff is suitable Business Light.
The ability to organize the funds of a company or individual entrepreneur, ensuring speed and reliability of non-cash payments. Today, the credit organization is among the top ten institutions in terms of capital volume and is among the 500 largest financial and credit organizations in the world. Area of activity:
- Services for corporate entities - factoring, brokerage services, settlement and documentary operations.
- Servicing businesses (medium and small) - accepting deposits, processing loans, settlement services, financial transfers.
- Providing retail services to individuals - loans, deposits and transfers
- Investment and other types of transactions
Advantages
The advantages of Promsvyazbank include:
- Efficiency. To open an account with Promsvyazbank, all you need to do is submit an online application, then submit papers for consideration and sign an agreement.
- Online information. Data on the movement of funds is sent to your mobile phone.
- Transaction speed. Customer payment orders are executed quickly and accurately, which makes the Promsvyazbank current account a convenient tool for LLCs and individual entrepreneurs.
- Availability of Internet banking. Through the global network, it is possible to track payments, conduct transactions and control the balance of funds.
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- Favorable rates. Opening an account with Promsvyazbank is a chance for aspiring businessmen to receive reliable banking services without additional costs.
- Wide range of offers. The bank offers six service programs for individual entrepreneurs and LLCs, which simplifies the selection of a profitable and convenient option.
Promsvyazbank current account: tariffs
Before It’s worth studying the bank’s offers (cost of services is given per month):
- Business Light- a tariff plan for beginners, which features favorable conditions for opening and maintaining an account account. Suitable for individual entrepreneurs who work with cash payments. Conditions:
- The cost of maintaining an account is 1050 rubles.
- Cash deposit (commission) - 0.15% or more.
- The price of the payment order is 45 rubles. and more.
- Registration of a card - 0 rub.
- Business 24x7- a package that is distinguished by the ability to make payments on any day and time, saving money on payment orders and making non-cash payments. Suitable for growing business. Conditions:
- Maintenance costs - 1600 rub.
- The price of a payment order is from 18 rubles.
- Free receipt of the card.
- Business k - option for organizations that receive a large share of their profits in cash. The main feature of the package is the low cost of depositing money into a current account. Excellent for legal entities working in the field of trade and services. Characteristics:
- Maintenance costs - 2290 rub.
- Cash deposit (commission) - from 0.1%.
- Payment order price - from 0 rub.
- Free registration of “plastic”.
- Maintenance costs - 1250 rub.
- Cash deposit (commission) - from 0.15%.
- The price of a payment order is from 45 rubles.
- Free registration of account.
- Business without borders- a tariff plan that is more suitable for companies working with organizations from other countries. Within the limits of the plan, the credit institution helps in preparing the transaction passport and provides favorable conditions. By opening such an account with Promsvyazbank, you can get the best conditions for international payments. Characteristics:
- Opening an account (in foreign currency) is free.
- Opening a bank account (in rubles) - 990 rubles.
- Commission for transfers - 0.15%.
- Free notification connection.
- Business online- for people who save time and need to carry out operations remotely.
- Maintenance costs - 1290 rub.
- Cash deposit (commission) - from 0.25%.
- Opening a current account - 0 rub.
- Possibility of remote control.
Promsvyazbank current account- one of the best options for individual entrepreneurs and LLCs who dream of a reliable bank, fast transactions and favorable tariffs.
At first, every entrepreneur has to study a lot of information in order to choose where it is best to open an account for a legal entity. Promsvyazbank offers several options for implementing this service for both LLCs and individual entrepreneurs. Let's consider the programs of this bank for representatives of small businesses (IE) in more detail.
Promsvyazbank offers
At the time of writing this article (April 2018), Promsvyazbank offers several service options for legal entities. There are separate programs:
- for companies in the small business segment (annual turnover does not exceed 306 million rubles);
- for medium business organizations.
When drawing up an agreement with an LLC, the basic terms of cooperation are used. Plus, the head of the company can always negotiate with the bank the provision of additional services or discounts on services. As for individual entrepreneurs, there are six standard programs for them, designed taking into account all possible situations. All that remains is to choose the most suitable one. But alas, it is unlikely that individual entrepreneurs and small businesses will be able to persuade the bank to make even minor adjustments to the terms of standard offers.
Important! The cost of services for legal entities greatly depends on the region in which the bank office is located, and the organization itself. Therefore, in this text we will not indicate specific numbers - check them with the bank manager in your city.
RKO programs for individual entrepreneurs
As of April 2018, Promsvyazbank operates six different settlement and cash service programs for representatives of the small business segment. A convenient filter has been created on the bank’s website, allowing individual entrepreneurs to choose the option that suits them according to the following criteria:
- age of the company;
- volume of annual turnover;
- planned account replenishment amounts;
- account currency;
- number of payments during the month.
In addition, within the framework of this tariff, the entrepreneur has the right to issue a business card for account management. You can choose the payment system of the card at your discretion - the bank works with both standard international payment systems Visa and MasterCard, and with the relatively new domestic MIR system. Regardless of your choice, issuing a business card and the first year of its service will be free of charge.
Tariff "Business Light"
This tariff plan is designed for entrepreneurs with an annual turnover of 61 to 200 million rubles who actively use Internet banking. Account maintenance within the tariff will be paid. For Moscow, the cost of this service will be 1050 rubles per month. For provincial entrepreneurs, maintaining a bank account will cost less – from 800 to 1000 rubles/month, depending on the region. Also, a commission will be imposed on account replenishment (as a percentage of the deposited amount) and execution of payment orders (fixed rate, depending on the region).
The package provides free of charge:
- access to Internet banking;
- intrabank transfers and payments made through the online account;
- plastic card with a business tariff.
Important! If necessary, an entrepreneur can switch from the Business Light tariff to another package of services without charging a commission from the bank.
Tariff “Business 24x7”
As the turnover of companies in the small business segment increases, the number of payments also increases. And here, for normal operation, you need to open a suitable current account for an individual entrepreneur. Promsvyazbank has developed the “Business 24x7” tariff for such situations. It is suitable for entrepreneurs whose annual turnover is more than 200,000,000 rubles.
As part of this tariff, the client has the opportunity to make free intrabank payments through the Internet banking system around the clock, seven days a week. For payments to other banks made via the Internet, the commission is calculated at the minimum rate. In addition, if the amount of an external payment does not exceed 500,000 rubles, it is subject to an extended business day. Such payment orders will be processed by the system not until 21-00, but until midnight of the current day.
Important! As part of the tariff, the client can issue a free business card of the MIR, MasterCard or Visa payment systems, and use it to pay for goods and services without additional fees.
Tariff "Business Check"
This program is designed for individual entrepreneurs engaged in trade. Its main features:
- reduced tariff for replenishing a bank account with cash (regardless of the amount per month);
- provision of 30 free external payments through the Internet banking system;
- low cost of processing urgent payment orders.
Important! The cost of topping up your account with cash is from 0.1% per transaction.
Tariff "My business"
This program has all the advantages of the Business 24/7 tariff plan. But in addition to them, it includes not only Internet banking services, but also Internet accounting. The tariff price includes options such as:
- carrying out settlements with suppliers and consumers;
- maintaining personnel records;
- accounting;
- tax accounting.
Plus, by connecting to this program, an entrepreneur receives a free opening of a current account and no limits on intra-bank and external payments (provided that they were processed through the PSB Internet banking system).
Tariff "Business without borders"
As part of this offer, it is possible to open a current account for individual entrepreneurs at Promsvyazbank in a currency other than the currency of the Russian Federation. This program also supports ruble accounts, but opening them will be paid. Whereas opening an account in foreign currency will cost an entrepreneur 0 rubles.
The program includes the benefits of other bank tariff plans:
- providing access to the Internet account;
- registration of a business card;
- free payments for purchases and services with a business card;
- accelerated processing of intrabank payments.
In addition to this, the entrepreneur receives the opportunity for free consultation with a specialist in foreign currencies and access to the Currency Control service. In addition, this current account makes it possible to carry out purchase and sale transactions in dollars and euros at a favorable rate.
What is needed to open an account with PSB
As mentioned above, an individual entrepreneur can submit a preliminary application for opening a current account from the Promsvyazbank website. In addition, you can contact any office of this financial organization that works with legal entities and small businesses.
The address of a suitable branch can also be found through the website:
In addition, you can always clarify the location of the office and make an appointment by calling the PSB hotline for legal entities: 8-800-333-25-50.
Important! Regardless of whether you open an account at a bank branch or use the services of a field manager, you will need to prepare a certain set of papers.
Necessary documents for establishing a bank account
Despite the fact that Promsvyazbank sets different service costs for different regions, the list of documents required to conclude an agreement is the same for all small entrepreneurs. Conventionally, it can be divided into two parts - papers that need to be prepared before the meeting with the manager, and documents that can be drawn up directly with the PSB employee.
- a copy of the identity card of an individual entrepreneur;
- copies of identity cards of other persons who will be given the right to sign (analog or electronic);
- financial statements or tax returns;