How to find out the settlement account of the organization by TIN: step-by-step instructions, features and recommendations

Every modern person who constantly or periodically applies to banking institutions for financial transactions must have a settlement account. It can be an individual or a legal entity. What is the advantage and necessity of this account? If you are a regular customer of the bank, the presence of a settlement account greatly simplifies and speeds up the process of customer service. If we talk about legal entities, then you must open a bank account in order to register with a tax office. For an ordinary person, this is not necessary, but if you are doing financial transactions in a bank, it is advisable to take care of opening a settlement account.

What is a settlement account?

A settlement account is a number that is assigned to a bank customer, it is unique. In the presence of such an account in the bank, the client can carry out transactions at the checkout or terminal using a card for settlement or cash. The identification of the client occurs almost instantly. At the same time, the time for any operations in the bank is reduced.

When opening a settlement account, the bank often sets the main condition, which is that the funds coming into the account are not a payment for a service or a commodity, that is, they did not have a commercial nature. This is the client's own funds , which can be used by him in accordance with the terms of the contract.

Need for a current account

To receive wages, scholarships, pensions and social payments, a settlement account is mandatory. A bank customer can have several settlement accounts if he cooperates with the same financial institution, for example, to receive wages and pensions. To do this, you need to have two completely different settlement accounts that are used for the intended purpose. To accumulate funds in the bank, you can also open a settlement account and use your funds according to the conditions that are stipulated in the contract.

For legal entities

Why can legal entities use their current account? Any type of commercial activity is accompanied by calculations and payments of various types. This applies to the payment of wages to employees, various types of remuneration and premiums, hospital and holiday, as well as settlements with the tax service, pension fund, social insurance fund and so on. All these operations are carried out through the bank in which the settlement account is opened. And also settlements with counterparties, making payments on loans. Legal entities carry out a lot of financial transactions that do not require cash settlements, if funds are available in the account, it is much faster and easier to conduct transactions by bank transfer.

A modern person can not help using the bank's services, since even individuals pay utility bills, receive payments and wages, open deposits to accumulate money, and so on.

How does the settlement account look like?

The settlement account consists of 20 digits, and it's not just a set. Each of them carries in itself some information, which to some extent characterizes the type of account. Here is an example: 40702840100010000456.

The first three digits of the settlement account indicate what kind of organization it is: state, non-state, and so on. If we talk about a specific example, the figure 407 indicates that it is a non-governmental institution.

The next two digits of the account also to some extent characterize the type of organization, in our example 02 stands for "commercial organization".

The next three digits decode the type of account, or rather, in what currency it is open. In our example, 840 means that the account is opened in dollars.

The next figure of the account is in some way the key that is needed by the financial institution, that is, the bank, for identification.

The next four digits of the account specify the place of its opening, that is, if the bank has several branches, then these figures will necessarily indicate in which of them the account was opened. If the banking institution does not have a branch, then these figures have the form 0000, as in our example.

The last 7 digits of the account is the account of the LLC itself.

To maintain and organize the accounting of settlement accounts, a chart of accounts is provided, according to which this account is maintained. You can find it in the position of the Central Bank. How to find out the settlement account of the organization by TIN, we will consider further.

If LLC is a debtor

If an LLC is a debtor, and its details can not be found independently, there are several basic options how to find out the settlement account of the organization. Usually, when drawing up a cooperation agreement, it specifies the details of the parties, which contain full information about the LLC. This is the TIN and, in fact, his checking account.

In order to understand how to find out the settlement account of an organization by TIN, you need to search for information about the debtor on the Internet. There can be placed data on the company's website, if there is one, or in groups in social networks, representatives of the LLC can also post such information on the network.

How to find out the settlement account of the organization?

Can this be done? The law "On Enforcement Proceedings" contains information on how to find out the settlement account of the organization. There are two main options.

If you have some information about the activities of the LLC, then you probably have some assumptions about the credit organization in which you can have data about the debtor. If you go there, you will not be able to give information, but if you provide evidence that the company is your debtor, the credit organization will be entitled to write off the funds from the LLC account as a debt.

If this option is not suitable for some reasons, then you have the right to apply to the bailiff to collect the debt. In this case, the bailiff will send several requests to financial institutions, which are obliged to provide him with a reply in writing. The authorized person will be obliged to provide the information received to the applicant.

According to the law on banks and financial activities, such information can not be provided to the first person, but if the information is requested by the court, the court of account or the tax service and other authorized bodies, the information must be provided.

Confidential information about the debtor

The settlement account of the organization is confidential information that is closed to all other users, but a limited liability company can voluntarily disclose these details. Then the banking institution is not responsible for the disclosure of secret information. If LLC is your debtor, then you will be interested in information on how you can find out the organization's settlement account for debt collection. It should be understood that this information can be disclosed only to authorized persons who have a writ of execution on this fact. You can also find out the organization of the current account.

Appeal to the Federal Tax Service

How can I find out the settlement accounts of a debtor organization? In order to obtain the requisites of the party, you can also apply to the Federal Tax Service. What will it give you? You can find out the open settlement accounts of the organization that is your debtor. If you have a writ of execution, you have the right to request this service to provide the following information:

• Number of settlement accounts of the organization;
• Banks in which they were opened;
• Account numbers;
• The amount of money on them;
• Statement of cash flows

If you decide to make a request, it must be compiled in accordance with certain rules and requirements imposed on them. Such request can be addressed to the nearest FTS body.

So you can conclude that with a huge desire, you have the opportunity to obtain information that allows you to recover a troubled debt.