How to open a bank account in 2020

Having a bank account greatly simplifies the activities of companies. You can make transfers in favor of counterparties or accept payments from them without wasting time on personal meetings.

Select bank

Opening a current account is a simple procedure that does not require much time. You just need to collect a list of documents and submit them to the bank. Thanks to online services, today you can reserve an account without leaving the office. In this article you will learn how to open a current account, and also receive important recommendations on choosing a bank.

Is it mandatory for a company to open an account?

There is no clause in the legislation of the Russian Federation that would oblige organizations to open a current account. An enterprise that has passed all registration procedures can immediately begin its business activities. But having a current account will greatly simplify his work, in particular, making settlements with counterparties and paying taxes. Finally, the money in the account will simply be safe.

Although settlements between companies and individual entrepreneurs in cash are not prohibited, there is a clause in the legislation that states that under one agreement you can make payments in one direction or the other within one hundred thousand rubles and only using a cash register. Carrying more cash than this limit will be considered a violation and may result in fines.

Is it possible to avoid opening an account?

Beginning businessmen, especially individual entrepreneurs, are interested in why a current account is opened and in what cases they can do without it. Current legislation does not directly require business entities to open a bank account. The laws do not establish a period from the moment of registration in the Unified State Register of Individual Entrepreneurs or the Unified State Register of Legal Entities, during which the SPD is obliged to enter into an agreement for settlement and cash services, and also do not oblige individual entrepreneurs or institutions (except for budget ones) to use the services of a specific bank.

At the same time, the state monitors payment discipline, including compliance with the rules of Articles 861, 862 of the Civil Code and the Central Bank Instructions of October 7, 2013 No. 3073 regarding non-cash payments. According to their instructions:

individuals have the right to pay in cash without restrictions;
settlements of legal entities with each other, as well as with citizens regarding the conduct of business activities, as a general rule, are carried out without the use of cash;
Individual entrepreneurs are in a dual position: when acting as business entities, they are equated to legal entities, and when they act privately, to individuals.

Individual entrepreneurs planning to open a bank account in a bank should know the following. In many sources, there is an opinion that individual entrepreneurs are not required to acquire an account account. This is only partially true.

The previously applied Instruction of the Central Bank on the procedure for making payments dated September 14, 2006 No. 28 was replaced by Directive No. 3073 dated October 7, 2013. The latter equalizes the requirements for individual entrepreneurs and other organizational forms of business. Another thing is that the turnover and payment amounts of individual entrepreneurs are usually less than that of legal entities, so they can indeed, under certain conditions, do without a current account. The range of such situations is small; usually, individual entrepreneurs without an account are simplified ones who provide household services to the population, provided that their payment is made in cash.

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How to choose a bank?

When choosing a particular bank for cooperation, you no longer need to take into account its location. Almost all credit institutions have an Internet banking service in their arsenal, which eliminates the need for personal visits by clients.

The main point that requires attention is the list of services offered by the bank to its clients and the amount of tariffs for servicing and maintaining a bank account. In addition, when choosing a banking institution, it is worth analyzing the list of products that it offers: overdraft, salary project, different types of credit lines, etc. Information of this kind can be found on the official websites of financial organizations.

In conditions of fierce competition, modern banks fight for every client and therefore try to develop products or profitable promotions that would interest even the most demanding customers. But you should not blindly trust advertising campaigns; it is best to open a current account in a fairly large and well-known financial organization.

What to pay attention to when opening an account?

Illegal business activities in the banking sector are monitored, immediately identified and severely punished criminally. Therefore, when choosing a service institution, even a little-known one, you don’t have to check the license. Non-cash payments can be made through:

banks
other credit organizations that have received permission from the Central Bank.

By comparing the cost of service in different banks, it is easy to see that the total price of a set of basic activities (opening and closing, Internet banking, maintaining a bank account, sending payments, withdrawing cash) is approximately the same. But the tariffs for individual operations may differ significantly. Therefore, when looking for a service program, the client needs to start from the minimum price for the most requested actions (we suggest taking a closer look at Alfa Bank). Some services will have to be paid for immediately. This:

opening an account;
installation and connection of Internet banking (if ordered).

Comparing advertisements to find out how much it costs to open a current account, you can see prices up to 2,000 rubles for legal entities. Many banks offer free opening or a reduced price - about 600 rubles. In fact, it turns out that the price is simply “broken”: related activities are subject to separate payment:

photocopying of documents (which can only be done at the bank, since the manager is afraid of forgery and is not ready to check every letter in the copies made by the client with the originals of his documents);
certification of copies;
registration of sample signature cards.

The good thing about a current account is that it provides the right to instantly withdraw all funds down to the penny. This guarantees the opportunity to get rid of cooperation with a problematic bank in the shortest possible time. Therefore, unlike a deposit, the reliability of a financial institution fades into the background and gives way to ease of service.
Current legislature:

does not limit the number of open accounts;
allows you to simultaneously cooperate with several service organizations;
provides the opportunity to close the account at the initiative of its owner at any time without prior warning;
does not oblige you to use an open account: the worst that can happen is the bank is forced to close the account after 2 years.

Opening a current account: action plan

Select a financial institution and a suitable banking product.
Receive a list of documents required for opening a personal account directly from the branch or download it from the official portal. Instruction No. 153 dated May 30, 2014 normatively established a list of required securities for each organizational and legal form, however, credit institutions supplement it at their own discretion.
Before opening a bank account, you usually need to provide:

constituent documents (for organizations) or identification documents (for individual entrepreneurs);
extract from the Unified State Register of Individual Entrepreneurs or the Unified State Register of Legal Entities;
tax registration certificate;
a receipt of real location;
regarding representatives by power of attorney and persons receiving the right to dispose of funds under the account - passports and identification codes, as well as orders of appointment, powers of attorney or other documents confirming authority.

Contact the bank in person or by submitting an online application.
Appear at the department, where, under the guidance of an authorized employee, perform the following actions:

review the prepared package and make sure that everything you need is present in it;
make and certify copies;
fill out an application for opening a bank account, printed by a bank employee;
sign a card with sample signatures, the form of which will be provided by the bank (this action may not be required by the individual entrepreneur).

Conclude a banking service agreement, which, by agreement with the bank, may involve the opening of one or several account accounts. It is impossible to make changes to the proposed text - you can only agree with the terms in general.
Pay for opening an account according to the tariff.
Receive the contract and notification of the opening of the account.

The listed points demonstrate how to open an account. It should be noted that as of May 1, 2014, the obligation of clients to notify the Federal Tax Service and funds of the fact of receiving a new account has been abolished. The servicing bank will take care of this.

Opening an account with Sberbank

Opening a current account with Sberbank will require the same list of documents that have already been listed above. They are handed over to the bank’s legal service or chief accountant. Sberbank analyzes the documents and opens a current account for the organization on its balance sheet account.

The procedure for opening an account includes the signing of an agreement between the client and the bank, which specifies the procedure for settlement and cash services. Sberbank undertakes to carry out all transactions with funds in a timely manner and guarantees the safety of money in the client’s account.

conclusions

In general, opening a current account is a simple matter and does not require large financial expenses or time. Without an account, the normal functioning of any business activity in the current realities is simply impossible. And if the work of individual entrepreneurs without current accounts will be inconvenient, then LLCs will not be able to exist without them. I sincerely hope that this review will help you make your business comfortable , organize all your accounting and convince your partners of your reliability . That's all for me, see you soon!

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New service from Sberbank

Sberbank is now offering its potential clients a new service with which they can reserve a current account. The entire procedure takes place online on the bank’s website. First, you need to fill out a form indicating your OGRN and contact information. And in just a few minutes you will receive a new account number with which you can already make incoming transactions. Within five days you will need to personally visit the bank branch that you have chosen with all the necessary documents. Then you will confirm the opening of a current account. Otherwise, the agreement with the bank will be considered invalid, and all funds will be transferred back to the senders. Once you have completed the registration of your current account, you will be able to make debit transactions with it. The service is intended for both enterprises and individual entrepreneurs.

Registration certificate:

For private and individual entrepreneurs who were registered before January 1, 2004 - a special Certificate of inclusion in the state register of private and individual entrepreneurs, as well as in the record of an individual entrepreneur who was registered before January 1, 2004 using a special form R 67001 ;

For private and individual entrepreneurs who were registered after January 1, 2004, a Certificate of state registration of a certain individual as a private or individual entrepreneur is required in form P 61001.

How can I find out my current account?

If you are a client of Sberbank, then there may be an urgent need to transfer or perform other transactions with funds. There are several ways to find out your bank account. Below we will look at each of them in more detail.

So, where can you find a Sberbank current account?

Call the financial institution's hotline.
Details can be obtained by visiting the nearest branch. To do this, you need to have a passport with you.
All information regarding the details is on the official website of the bank. It can be found in the contact information section.
If you have connected, then the information you need will be indicated on the first page of the system;
If you have an agreement to open an account, then information about the current account number can be found in it.
You can also get a bank account through an ATM.
Another way is to make a request on the bank’s website, and a response will be sent to your email.

As you can see, there are many ways to obtain information about a bank current account, and each of them is quite simple.

If account details are needed urgently

Many banks are ready to help in situations where the client needs an account here and now. If you find yourself in this situation, you need to look for a bank that offers booking account details. That is, before opening a bank account for a specific legal entity, the client reserves the details and receives them immediately. These details will be subsequently assigned to the account, so they can be transferred to counterparties and used when concluding contracts. The service for booking details is provided free of charge, you can get the coveted numbers online, they will be with you within 5 minutes after you contact us.