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