Open a current account for individuals in Raiffeisenbank. Current account for business at Raiffeisen Bank
ZAO Raiffeisenbank is a Russian commercial bank with headquarters in Moscow and numerous branches in the regions. It is part of the international banking group Raiffeisen Bank Group, which has more than a century and a half history. This financial structure, of course, values \u200b\u200bits old traditions, its reputation and image. She has been working in Russia since 1996. And special attention is paid specifically to the interaction with small and medium-sized businesses.
Existing tariff plans and conditions
Opening a bank account in Raiffeisenbank is a worthy solution for individual entrepreneurs and LLCs. On the official banking site, this can be done as soon as possible, and the proposed tariffs can be called adequate and not burdensome.
An account at Raiffeisenbank is permitted both in rubles and in foreign currency. It is also important that all transactions here are carried out as quickly as possible. And even if you want to open several accounts at once, payment will be charged as for one.
For Russian legal entities and entrepreneurs, the following tariff plans are offered today:
- "Base";
- "Start";
- "Optimum";
- "Maximum".
To open a current account in Raiffeisenbank for entrepreneurs with the Start tariff is for those who have recently started a businessman’s career. The monthly payment here is only 990 rubles. And for the mobile bank (to connect you need the will of the client, if there is no need for the service, you can not connect) an additional 190 rubles is taken. In addition, the costs can be even less if you pay in advance immediately for a year or two years of service - it will cost 8916 and 17832 rubles, respectively.
Tariff "Basic" costs more - 1900 rubles a month. According to the terms of this tariff, ten payments per month to its counterparties by an individual entrepreneur or LLC can be made without commission. For all subsequent payments, 25 rubles will be charged. Internet banking and mobile banking are provided here for free - that is, they are included in the package.
Tariff "Optimum" It costs 2490 rubles. This tariff also already includes Internet banking and mobile banking, as well as the SMS for Business service. It gives 60 payments per month for free, all subsequent payments will cost 25 rubles.
Tariff "Maximum" It costs 7500 rubles a month. It has all the same advantages as Optimum. But at the same time, the limits are much larger - 300 payments per month can be made without any commission fees. In addition, 700 thousand rubles a month from a current account at the Optimum tariff can be transferred to individual cards.
So that customers can familiarize themselves in detail with each tariff, with prices and other details, a tariff book is posted on the official website of Raiffeisenbank www.raiffeisen.ru. And it should be noted that, in accordance with the current regulations, you can choose only one tariff plan for all accounts opened at Raiffeisenbank per company. But, of course, if necessary, the client can at any time apply for the transition from one tariff plan to another. You can do this as many times as you like. One such transition costs 1000 rubles.
It should be specially noted that all prices quoted are prices that are relevant for customers from Moscow and Moscow Region. For customers working in other regions of Russia, service at the indicated rates may cost even slightly less - it is advisable to clarify this issue by the special regional hotline number 88007009100.
A package of services for the central regions - Moscow and the Moscow region, St. Petersburg
Service package for other regions
Documents required to open an account
The procedure for opening an account is quite simple. First of all, you need to fill out an electronic form on the portal of the Russian Raffeisenbank (the address was indicated above). The difference between IP and LLC in this case consists primarily in the set of necessary documents. To open a current account in Raffeisenbank for LLC, you will have to provide:
- application in the form of a bank;
- charter of an LLC;
- a card with sample signatures and print samples;
- decision on the appointment of a client as the head of the legal entity;
- documentation confirming the authority to sign;
- passports of the head and other persons who have the right to sign documents (if any);
- license to conduct business (for some types of business, as you know, licensing is mandatory).
The list of required documents for individual entrepreneurs is much shorter. In this case, you need to provide only an extract from the USRIP, an application for opening an account and a photocopy of the businessman’s passport.
Account Opening Algorithm
The submission of the documents listed above is not the first step that will have to be taken to open an account with Raiffeisenbank for legal entities. First of all, you need to apply online at the bank portal. Filling out this application is not particularly difficult. But it is available only for IEs and LLCs with residency of the Russian Federation. Non-residents will have to use other methods.
In the online application form there are the following columns:
- Name of contact person;
- e-mail;
- town;
- branch (here you need to specify the most convenient branch of Raffeisenbank for yourself).
After entering all the specified data, you should also put two checkmarks - one will confirm agreement with the terms of service, the other - agreement with the conditions for processing personal data.
After sending an online application, a bank employee will call a potential client and advise on further actions. If the client during the dialogue expresses his consent, then the account will ultimately be booked for him. The details of this account will be immediately sent to the client e-mail. By the way, an account with Raffeisenbank is reserved for a period of up to two weeks (before this term expires, you must conclude a formal agreement on the settlement account).
Further, the employee will offer to arrange a meeting. And here two options are possible: either the client will drive to the nearest bank office, or the bank representative with all the necessary documents will arrive at the client's address.
RKO in Raiffeisenbank: services for business
The range of cash settlement services today includes:
- currency control;
- internet banking;
- SMS informing;
- collection;
- issue of special corporate cards;
- salary projects;
- acquiring.
Each of the items on this list deserves a separate discussion.
Currency control and collection
Today, currency control over the operations of legal entities and individual entrepreneurs includes really many important options. These include, for example, advisory support from the bank at all stages of the transaction. Assistance in the preparation of documents related to foreign exchange control, execution of transaction passports and support of transactions related to foreign economic activity - all this is also the banking structure undertakes in the framework of this service.
In addition, if necessary, the bank can make recommendations on the organization of electronic exchange of documents between the client (IP or LLC) and the bank. The adoption of these recommendations will allow you to clearly comply with the deadlines for the provision of documents established by law in the Russian Federation.
This banking organization has its own collection service. Her responsibilities include the delivery of customer revenue to the bank, the delivery of change coins and banknotes to the customer, the delivery of large amounts of cash by check. The client has the right to agree with the proposed collection schedule, or offer his own. Also, the client can resort to collection services for the transportation of all kinds of valuable goods.
Corporate cards and salary projects
For clients located on the cash accounts in Raiffeisenbank, among other things, special corporate cards are offered. This is a fairly reliable means to pay for hospitality, business and travel expenses. At the same time, the head of the business gets the opportunity to monitor and verify his employees. This card will help protect against such tricks as providing fictitious checks that do not correspond to the actual expenses after a business trip. And the risk of theft of the issued money or robbery also actually approaches zero. In general, such a card simplifies advance and travel calculations, reduces the amount of paperwork. In addition, when using it, you can get discounts from partners of the bank - there is a bonus program.
The salary project from Raiffeisenbank also provides certain advantages and amenities. One of the main advantages is that the service is carried out in conjunction with all the details. For each full-time employee, a salary package is issued free of charge. And to one main card an additional three additional “plastic” can be issued. For all payments within the project a high level of confidentiality is provided.
Money intended for payment of wages is transferred to the destination in one payment - this allows you to save money (no extra commissions) and time. And in general, the process of payments to the limit is automated. And another important point: for salary clients (employees of the serviced company) Raiffeisenbank offers more loyal loan conditions - they can be borrowed at the lowest rates and without proof of income.
For private entrepreneurs and directors, Raiffeisenbank LLC also offers certain bonuses. All transactions related to the salary project are supervised by a personal manager. And on any issue, the client can always turn to him. Also, managers can be offered premium cards, discounts and additional advantageous offers.
Mobile, shopping and online acquiring
First of all, it is worthwhile to understand the very term “acquiring” and its varieties (not everyone can know, this is a relatively new phenomenon). In simple words, merchant acquiring is the organization of the ability to sell goods at a particular outlet by bank transfer. In this case, the money from the buyer's card is transferred to the account of the acquirer bank, and then to the organization’s account.
In order to organize the acceptance of payments by bank transfer, it is necessary to install special POS-terminals to which the consumer will have to insert or attach a card. And mobile acquiring is the organization of such a cashless payment system, in which the buyer is given the opportunity to pay for goods not even with a credit card, but simply with a smartphone with an application installed on him. And finally, online acquiring (Internet acquiring) refers to the method of calculation on the seller’s website using a bank card. The card itself in this case is not presented to the seller, only its details are indicated.
For clients of IP and LLC, Raiffeisenbank is ready to provide all three types of acquiring. Moreover, all the necessary equipment is installed for free - it accepts cards of the largest international payment systems. In the event of malfunctions and malfunctions, the seller can call technical support - it works around the clock.
Internet banking and SMS for Business service
Raiffeisenbank has created its own Internet bank (Client Bank) for businessmen under the name Raiffeisen Business Online (RBO). It is compatible with all popular operating systems (Linux, Windows, Mac) and with almost any browser. In RBO you can carry out ruble and currency transactions without fear for the safety of finances and financial data. Remote service in a specialized online service provides other advantages. In particular, here you can:
- send and receive statements in convenient formats;
- log in to your online account using a single login to manage all your accounts (even if they belong to different companies);
- sign payments with an ordinary SMS password without unnecessary red tape;
- make multiple payments at a time.
And if you want to always keep your finger on the financial pulse of your organization, then you should also connect a useful service like SMS for Business. With its help, it becomes easier than ever to control the calculation and debiting of funds from your company’s account, find out the status of payment orders, receive notifications about events in the RBO system, etc.
It is important for any legal entity to receive high-quality banking services. After all, a prosperous business in the future depends on a successful start, so you need to take a responsible approach to the choice of a financial company where an IP bank account will be opened. Raiffeisenbank is just such an organization.
How to open a current account
In order to open an IP settlement account with Raiffeisenbank, you need to fill out an online application. The appeal is considered within 1 business day, after which a company representative contacts the client and arranges for the specialist to visit his office. The service of applying and leaving the manager is provided free of charge. It can be used by residents of Moscow and the Moscow region.
After the conclusion of the contract, the client must provide the bank with a certified form with signature samples and a seal imprint. Moreover, there may be several signatures, depending on the number of persons authorized to sign documents.
According to the drawn up service contract, the bank is entitled to perform the following operations on the current account:
- Transfer of funds based on customer orders;
- Money transfer based on the order of the payee;
- Money transfer based on collection orders;
- Refunds, etc.
In addition, the client has the right to manage the funds in the current account at his discretion, his rights are unlimited. The client undertakes to monitor the balance of the account at the end of the billing month so that the amount is sufficient for all necessary expenditure operations. If the amount is insufficient, the bank will cancel any payment actions.
Open a bank account for your organization in Raiffeisenbank and use the simple and convenient Internet banking for Business Online entrepreneurs
Tariffs for IP
The tariff for opening a current account for individual entrepreneurs may differ depending on the connected service package.
There are 4 such packages in Raiffeisenbank:
- Start - 990 rubles. per month;
- Basic - 1900 rubles;
- Optimum - 2900 rubles;
- Maximum -7500 rub.
The cost of opening a current account for an individual entrepreneur at Raiffeisenbank is included in the price of any selected package. Payment is indicated per month for the provision of services. You can make an advance for 12 or 24 months, in which case the client receives a discount. The cost of use includes not only opening, but also maintaining a current account, as well as using the Client Bank service.
![](https://i2.wp.com/bankclick.ru/wp-content/uploads/2017/02/r-sch-IP.jpg)
Under the Basic tariff, the price does not include the cost of any payments, they are paid separately. For the Maximum tariff, up to 300 included payments are provided. When making various monthly financial transactions in the amount of from 100 thousand at the Basic rate and up to 700 thousand rubles for the Maximum, no commission is charged. When switching to any other tariff, a fee of 1000 rubles is set.
Conclusion
Issuing a settlement account for Raiffeisenbank for a private entrepreneur will be a good solution not only for owners of large businesses, but also for beginning entrepreneurs. At the client’s choice, various service rates for any needs. Bank services guarantee the timely execution of payment orders and the ability to independently manage account funds.
To each jur. the fact of first-class service by bank staff is important to the person. It is from a successful tie that business development in the future depends. So, it is better to choose a credit institution in which it will be necessary to open an account for individual entrepreneurs more responsibly and carefully. Raiffeisenbank is exactly the company whose responsibility and attitude to customers are above all. Opening a bank account for a business at Raiffeisenbank is not so difficult. Consider the main points.
What you need to open a bank account at Raiffeisen Bank. Format and application form and list of documents
Documents for opening an IP settlement account:
- A completed application form.
- Application for opening an account.
- Bank Account Agreement.
- Certified by a notary card with a copy of the seal and signature.
- Documents confirming the identity of the client.
- Certificate OGRNIP.
- Identification code.
- License, if any.
The list of documents in order to open a settlement account for a limited liability company for a limited liability company is slightly different:
- Items 1, 2, 3, 4, 7, 8 from the previous list.
- Charter.
- Documents confirming the authority of the sole executive body (director, general director, etc.), as well as the authority of people who have the right to sign.
- Certificate of the main state registration number.
- Extract from the register of participants.
An example of each document can be found on the Raiffeisenbank portal. Access is not limited, they can be downloaded and pre-filled before serving.
Is an online application for opening a current account possible? Where and how to file it
To open an account with a Raiffeisen Bank online, you need to switch to the Corporate Business or Small Business categories, depending on the type of your business. Now you need to select "Banking" in the first case or "Settlement and cash services" in the second. For medium and large businesses - choose the service “Opening and maintaining accounts”. For small business - click the "Open Account" button. Today there are 4 RKO tariffs - Start, Basic, Optimum, Maximum. The most popular account is the optimum. On the official website, you can study the tariffs before placing your application.
On the new page, you now need to correctly enter the following data about your commercial enterprise:
- Name of the organization;
- Annual income;
- Phone number for communication;
- E-mail address;
- Enterprise website;
- Town;
- Service department.
For medium and large businesses, you need to select the desired service and leave a request.
Within 24 hours, an employee will contact you with whom you need to discuss the details of the meeting in order to solve all sorts of details and formalities. Usually a bank representative arrives at your office.
Commission for depositing cash into a current account
If you want to open a settlement account for private entrepreneurs at Raiffeisenbank, you need to study the tariffs in order to know what to expect in the process of servicing.
In the territory of Moscow and the Moscow District, the commission for depositing funds by the client is 0.25%. In other cities, the commission will be 0.19%. Regardless of location - at least 290 rubles.
The owners of the "Currency" package of services for recounting and depositing money into the account must pay a commission of 0.25%, but not less than 290 rubles.
Card holders METRO Optimal, METRO Basic, Business 24/7, Business 24/7 Optimal, Business 24/7 Basic, Business 24/7 Premium for depositing funds through terminals and ATMs Raiffeisenbank pays a commission of 0.19%.
The operation of depositing funds to the account served in the UNISTRIM affiliate network is free of charge.
How to close a current account with Raiffeisenbank if necessary. How to write a statement
It happens that the client does not plan to further use the current account or such a need has disappeared. The question is, how to close an account? To do this, contact the bank branch and write a statement. The form is available on the organization’s website, without any problems you can familiarize yourself and pre-fill it before submitting.
After writing a closing application, all operations will be completed on the account. The cash balance can be transferred to another account, the details of which are indicated in the application for closure, or received in cash at the bank's cash desk.
Reading 7 min. Views 73 Posted on 04/29/2018
Raiffeisenbank is the largest subsidiary of the Austrian financial group, and it, in turn, began its history back in the nineteenth century. For several years, the credit institution has been a leader in Russia, offers a wide range of financial services for individuals, representatives of small, medium and large businesses. One of the services offered by the bank is the opening and maintenance of settlement accounts for legal entities and individual entrepreneurs. Consider how to open an account with Raiffeisenbank for legal entities and individual entrepreneurs, what conditions the bank offers.
Raiffeisenbank official website
Benefits of Collaboration
To begin with, it is worth mentioning that for each entrepreneur, first of all, the reliability of a commercial bank and its financial stability matters, because we are talking about equity. That is, so that there are no problems with the return of own funds in the event the bank revokes the license before opening a current account, the potential client will definitely be interested in the ratings of the banks. If we are talking about Raiffeisenbank, then there is nothing for customers to worry about, for the simple reason that a credit institution takes 13th place in the rating and has positive growth dynamics.
Now we give the main advantages that the client will receive in cooperation with this organization:
- can open a bank account for a client in both domestic and foreign currency;
- you can reserve a current account remotely on the official website of the bank before submitting documents;
- the bank carries out settlement operations within one business day;
- a client can open several bank accounts, and only one pays.
Please note that you can remotely fill out a small application form to apply for a current account, after which the customer is assigned a current account number, which he can use before submitting documents to the bank.
Rates
Before you open a bank account in Raiffeisenbank for LLC, you need to carefully study the tariffs and conditions. It’s worth mentioning right away that the cost of the bank’s services will largely depend on the regional affiliation, and more precisely, the tariffs for Moscow residents are higher than for other regions. Here is a comparative table of the cost of services, which will indicate first the prices for Moscow, and then for other regions.
Rates |
||||
Name of service | Start | Base | Optimum | Maximum |
Monthly service cost in rubles | 990/790 | 1990/1490 | 2990/2490 | 7500/6500 |
The cost of monthly maintenance when paying for one year on an advance payment in rubles | 8916/7116 | 17112/13416 | 26100/22416 | 67500/58500 |
The cost of monthly maintenance when paying for 2 years on an advance payment in rubles | 17832/14232 | 34224/26832 | 52200/44832 | 135000/117000 |
Payment order value | 25 rubles | The first 10 are free, the next 25 rubles | The first 60 are free, the next 25 rubles | The first 300 free, the next 25 rubles |
Account Opening Cost | Is free | Is free | Is free | Is free |
Among other things, the bank offers to receive a plastic card as part of the current account for the most comfortable cash withdrawal at any time of the day. It should also be noted that the credit institution does not charge a fee for opening a current account, this operation is included in the cost of servicing.
How to open an account
In order to open a bank account in Raiffeisenbank for private entrepreneurs and LLC, you first need to familiarize yourself with the current terms of service, for this you need to open the bank's official website, which is located at. Here you can find current offers and terms of service.
![](https://i2.wp.com/znaemdengi.ru/wp-content/uploads/2018/04/otkryt-schet-v-rajffajzenbanke-dlja-juridicheskih-lic.3-e1525034045121.jpg)
After, you can fill out an application, after clicking on the "leave a request" button. After some time, the manager of the financial institution will contact you, who will inform you of the list of necessary documents and give you the account number. Further, you can use the account to accept payments from counterparties.
The list of documents required for individual entrepreneurs is as follows;
- personal passport;
- certificate of tax registration;
- extract from the Unified State Register of Individual Entrepreneurs;
- license to carry out a particular type of activity, if necessary.
For legal entities, the list of documents is slightly different:
- founder's passport;
- document confirming the appointment of the head;
- a card with samples of signatures and seals of authorized persons;
- charter;
- extract from the Unified State Register of Legal Entities;
- license to carry out a particular type of activity;
- certificate of tax registration.
Please note that the list of documents is provided for residents of the Russian Federation, for persons who are not residents of the Russian Federation, you must additionally provide a document on registration of a foreign organization.
Additional services
For some, it may seem that the cost of the bank’s services is quite high, especially for beginning entrepreneurs. But actually this is far from the case, because the concept of cash management services is quite extensive, the service consists of many components, if other organizations charge a fee for additional services, then most of them include the cost of the tariff and there is no need to pay them separately. Here is a list of additional services of the bank.
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Currency control
Currency control in the Russian Federation is carried out on the basis of legislation, commercial banks are mandatory agents of currency control, which means that they are required to provide some services to their customers. Including advising on transactions with foreign counterparties, prepare accompanying documentation, draw up transaction passports.
Each client of Raiffeisenbank can leave a request for opening a foreign currency account on the official website of the bank. In addition, you can use the specialized package of services “Currency”, its cost is 4100 rubles per 1 month, the rest of the services provided to legal entities engaged in operations in foreign currency with foreign partners. The fee is only charged for the implementation of settlement operations in the form of a commission fee.
Collection
The Bank offers its customers the service of collection and transportation of valuable goods. The main advantage of a financial institution is that here a client can individually set up a collection schedule for his organization, as well as order delivery of change coins and bills, employee wages and other related services.
Corporate cards
Plastic cards as part of cash settlement services are provided free of charge. With the help of them, the heads of the organization can most effectively control the expenses of their subordinates, pay the expenses of business travelers, facilitate the work of bookkeeping, excluding paperwork.
Acquiring
Acquiring services today are used by most enterprises in the field of trade and services. RaiffeisenBank offers the service on the most favorable terms, there is no charge for the installation of equipment, in addition there is no fee for the maintenance of equipment. The cost of cash management services includes staff training and round-the-clock technical support.
Important! The fee for money transfers is 1.79%, money is credited to the current account on the next business day.
By the way, if an enterprise has an official website and provides services remotely, then its owners can use the Internet acquiring service. Its essence lies in the fact that you need to accept payment from bank cards on the official websites of the organization. The cost of such a service is 2.9% of the transfer amount.
![](https://i2.wp.com/znaemdengi.ru/wp-content/uploads/2018/04/otkryt-schet-v-rajffajzenbanke-dlja-juridicheskih-lic.5-e1525034103101.png)
Remote Services
Finally, the remote service, in particular, Internet banking, is important for the client. RaiffeisenBank offers the bank-client to the owners of settlement accounts - this is a convenient and functional online service that allows you to get round-the-clock access to your account to control the turnover and make payments.
Please note that online banking is free.
To summarize, opening a bank account at Raiffeisenbank will not take much time from the client and will make conducting business easier and more comfortable. Among other things, the Bank’s great advantage is that technical support works around the clock, so customers can receive consulting services at any time of the day or night, without interrupting their usual activities.
I was registered with Raiffeisen Bank since 2004 (sort of), was a gold client and, to be honest, I was proud that I have such a "European bank."
I had a credit card with a limit of 350,000 rubles, which I repeatedly emptied and replenished, and I did not see any problems in this. The girls of the bank communicated with me politely and attentively.
Then I had a seizure of accounts and the next payment to the credit card that I deposited, the bank wrote off in favor of the seized account. The accounts were arrested for the first time, so I did not suspect that the money would be debited from me.
A girl called me and said that. I asked how should I pay for a credit card now. The girl said that only through partner banks.
I did this once and it turned out that at the same time I needed to make a commission. What I did not like, and it seemed to me that this violates my rights.
I called the bank and said that I did not want to pay a commission, that I was ready to bring and deposit money anywhere, in cash or bank transfer, but from my point of view, the bank does not have a right to demand a commission from me. The operator said that there were no other options, I asked me to connect with the authorities.
Since then, horror has begun. Rude young people began to call me, who demanded payment of the minimum payment. I did not suspect anything, just asked to connect me with the authorities. The rudeness steadily intensified. I wrote a claim through the site. The services I complained about were called back and reproached for writing complaints.
Then I came to the normal department, where they told me that there was an opportunity to pay without a commission. I reported this to the call center operators, asked me to explain this call center behavior, and wrote another complaint.
Bank behavior has not changed.
When men began to call me and say that they would come to my house, and so that I would be at home, the discomfort of communicating with the bank became so strong for me that I began to pay with a commission, only to have nothing to do with the bank.
Just when all this happened, they offered me a platinum card. I turned to the managers who issued the platinum card and asked for help, but they refused.
As a result, I paid the arrested bills a long time ago, refused the platinum card, closed the gold card, and withdrew all my companies from Raiffeisenbank.
I will not recommend anyone else to talk to this bank.
It may be European in Austria, but in Russia it is extremely non-client oriented.
Raiffeisenbank 12/19/2019 11:48
Dear Customer!
We sincerely regret that you had to deal with the described situation.
In accordance with the orders received by the bank, collection of money was made. There are no restrictions in the legislation for collecting funds from the current account to which the credit card is attached. Thus, the money credited to the credit card account was levied; money could not be directed to pay off credit card debt.
The ruling of the bailiffs is a measure of the enforcement of judicial acts. The bank servicing the debtor shall immediately fulfill the requirements for the recovery of funds contained in the decision of the bailiff.
If there are insufficient funds in the account to satisfy all the requirements, the write-off in the payment of the loan cannot be made before the complete fulfillment of the requirements for executive documents. This requirement directly follows from Art. 855 of the Civil Code of the Russian Federation.
Based on the results of the audit carried out as part of your previous appeals, you were made aware of all possible options for paying off credit card debt.
Respectfully,
Marat Salakhutdinov
Complaints and Incidents Team
JSC "Raiffeisenbank"