How to open a settlement account for a PI in Sberbank. How to open an account with Sberbank to an individual and a legal entity

All domestic banks offer their clients to open an account for individual entrepreneurs. But there are a lot of credit organizations. Which services should I use? If you briefly answer this question, it is better to choose a budget institution. From this article you will learn how to open a settlement account for a PI in Sberbank.

Why is it even needed?

The state does not prohibit economic entities from operating without opening a banking cell. But this is very inconvenient. Although new technologies allow transfers through payment systems, they are not legalized. Accordingly, the tax authorities can not track revenues and expenses on them, and large organizations simply will not take you seriously. Cash transactions with large amounts of transactions look suspicious. It is better to work through a bank. The settlement account for the IP contains the details that can be communicated to the partner for the conclusion of the contract. In addition, the presence of a banking cell greatly facilitates the work of financial department employees. And with the growth in the volume of activity and the appearance of international partners without the services of a credit institution, it is indispensable. Therefore, it is better to ask immediately how to open a settlement account for an IP in Sberbank.

Selection

Those who do not understand credit organizations at all, it is best to use the services of a state institution. In the Russian Federation there are only two of them: VTB and Sberbank. Their employees are very scrupulous in everything regarding the documentation that comes from customers. Therefore, the process of collecting references can take a long time. At the same time, it should be noted that such organizations are distinguished by transparency of their activities: all work is carried out in strict compliance with the letter of the law. Therefore, in case of cataclysms, the money will be reliably protected. During the 1998 crisis , many entrepreneurs remained "afloat", as their money was kept in OAO Sberbank.

Opening of a current account

After the registration of a legal entity, it is necessary to apply to the FSS, FIU, IFTS and get certificates that the FE is registered. To enter into a settlement account agreement, you must submit to Sberbank:

- certificate of state registration of legal entity;

- application for a current account;

- a document confirming the powers of the director;

- notarized copies of the contract and the charter;

- a document confirming the authority of the chief accountant;

- cards with sample signatures;

- certificates of registration in the PF;

- a license that allows you to carry out activities;

- registration card;

- If you manage the funds will not be an entrepreneur, but a third person, then you need to issue a power of attorney.

After submitting the application, the bank checks the documents, certifies the identity of the client, signs the contract and enters the data in the registration book. After these operations, you can start using the account. Legislation stipulates a one-day deadline for compliance with all formalities. In fact, the operations take place in real time. If you provide a complete package of documents that meet the requirements, then the procedure takes about one hour. Here's how to open a settlement account for a PI in Sberbank.

Most often, the contract that the client signs includes such a volume of services:

• settlement and cash services;
• Cash transactions;
• Servicing of cards;
• Overdraft.

In order to attract customers, banks do not charge a commission for the operation of opening an account, but here the service can cost a pretty penny.

Notifications of state bodies

Within 7 days after registration of documents the entrepreneur is obliged to notify the tax. It is necessary to submit documents from a credit institution and receive a letter from the inspection confirming the acceptance of securities. In case of violation of the terms, the entrepreneur faces a fine of 5 thousand rubles. This is also worthwhile because the bank also notifies the fiscal authorities within 5 days. The notification is issued by a special form No. C-09-1, a sample of which can be obtained from the tax inspectorate. The date of sending the letter will be the one that is indicated on the stamp.

R / S for IP vs LLC

1. Under the law, an individual entrepreneur may not open a bank cell at all.
2. For the withdrawal or transfer of funds LLC must provide supporting documents.
3. IP can work with one account in different cities.

Online banking

Simultaneously with the registration of documents for the r / s you can conclude an agreement with the bank for remote maintenance. This will allow you to pay invoices, track the movements of funds, transfer wages to cards, send money to tax and other government agencies, without being distracted from the computer. But the contract clearly states that the number of transactions is limited. And for each subsequent will have to pay a fixed amount. Individual services of Sberbank are provided only to those customers who use the Internet to make payments:

• Loan without collateral. IP, whose annual income is less than 60 million rubles, can get a loan "Trust" at a reduced interest rate for up to 3 million rubles. In this case, the client may not indicate the purpose of using the funds. At repeated application the loan amount is increased up to 5 million.
• Loan for production needs. The loan "Business turnover" allows entrepreneurs to use the funds to purchase raw materials, semi-finished products, etc.
• Entrepreneurs whose annual income level is 400 million rubles are allowed to use the "Business Auto" credit. On the received means it is possible to get a new or second-hand car, a lorry, a trailer or special equipment.
• The product "Business Real Estate" finances on the security of the purchased object. You can also purchase premises through an accredited borrower.
• "Business Project": funds are provided in large volume with the possibility of receiving a deferral.

Commissions

Sberbank services are provided on a fee basis. Open rubles in rubles is free of charge. If you do not buy a package at once, but connect services separately, you will have to pay the following amounts:

• Maintenance of the RCS - 500 rubles / month;
• Internet banking - 490 rubles;
• Acceptance of cash - 0.3% of the amount;
• The transaction is 15-60 rubles;
• Withdrawal of funds - 1%.

For comparison, similar amounts will have to be paid for maintaining a current account with Promsvyazbank. In some organizations, customers are offered several service packages. In the "Sudostroitelny Bank", IPs can be issued by:

• "Basic" package for 1000 rubles, without a monthly fee;
• "Optimal" (200 rubles. \ Month) - provides for free opening of the first account and dozens of payments per month at reduced rates;
• "Effective" - is serviced for 850 rubles a month, after the extension the commission is not charged.

The transfer of cash to cards on the first two tariffs is 0.25%, a minimum of 50 rubles.

In "Alfa-Bank" IP can choose one of these tariffs:

• "Business Start": free opening, subscription fee - 990 rubles. Provided that no more than 5 payments are made per month.
• "Electronic": registration - 800 rubles., Services - 1190 rubles.
• The tariff for using the "Trading" package is 800 rubles.

Commission for transferring money to the card - 0.2% -0.6%, minimum - 200 rubles.

In the "Vanguard" you can open an account for 1-3 thousand rubles. The commission is not charged for the use of the Internet banking system.

Changing the tariffs

Since April 1, 2015, Sberbank has increased the commission for transferring funds from a legal entity account to a bank card. Previously, there was a fixed tariff: 8 rubles for domestic payments and 30 rubles. - for transfers to accounts in other banks. Now the commission is 1%, but the minimum transfer amount is 115 rubles. Many customers will have to pay several times more for a standard operation.

But there is still a way out of the situation. Customers need to open a "Universal Account" in Sberbank for 10 rubles. This amount immediately goes to the card. The account is active for 5 years. The commission is not charged for service. Next, you need to activate the Internet banking service, if it was not done before. Three days later in the "Personal Account" on the site will appear "Universal Account" and the account of a new plastic carrier. The transfer of funds to the card will be carried out in two stages.

1. It is necessary to send money to the "Universal Account". Commission for the operation - 8 rubles. The new tariff does not apply to such payments, as the funds are not received on 40817 (card), but on 42307 ("Universal Account").
2. Order a transfer from the banking cell to a new payment instrument. The operation is free of charge.

Denial of Service

You can only close an account in the branch in which it was opened. To do this, the specialist must provide a passport, an agreement with the RKO and write a statement. Upon completion of the process, the client will receive a notification from the bank, which must be submitted to the tax inspection.

Benefits

From all of the above, we can draw a small conclusion about why it is worth opening a settlement account for the IP:

• Sberbank is a reliable financial structure. This has already been proven, and more than once.
• Serviceability. If you immediately connect the full package of services, you do not have to stand in queues for a long time to perform one operation.
• With the help of the online system, you can send funds to the account for the IP. Sberbank allows its customers to make transactions through the Internet. The online system has different levels of data encryption. Payments are fast, but the commission is charged at a separate rate.

4. Payment terminals. An entrepreneur does not need to have a store or an office to receive money from the buyer. It is enough to order a terminal and use it for conducting transactions. These devices can work on the SIM card. The funds are credited to the seller's account within 1-3 days. The commission is 1% of the payment amount. The device is provided free of charge.

5. The tariffs for servicing the settlement account are not much different from the competitors in the market.

6. Cashing money. You can withdraw money from a checkbook or transfer them to a bank card linked to your account. The first option is not very convenient. To issue a checkbook you need very carefully and carefully. To withdraw funds, have to go to the office. Therefore, it is better to connect a salary plastic card and transfer money to it.

Conclusion

To mobilize a business, you can use a cell in a credit institution. How to open a settlement account for a PI in Sberbank? It is necessary to provide a package of documents and issue an application. The process will take about an hour. As the largest financial institution of the country, Sberbank offers its customers a wide range of services at favorable rates.