Settlement and cash services for legal entities. List of banking services

Any organization in the course of work performs settlements with suppliers, receives payments from customers, issues salaries to employees. Retail outlets credit cash revenue to the account, and foreign economic activity participants make settlements with foreign partners. That is, settlement and cash services of legal entities is a demanded banking service. The question is how to choose the right credit institution for these purposes.

What should I look for?

Most organizations use a standard set of services. Yes, and RKO in recent years has greatly expanded. Now this is not only settlement and cash services for clients, but a whole range of services, including:

• Account management and transfer of funds;
• Remote maintenance;
• Salary projects;
• Cash services (receipt of cash proceeds).

Choosing a bank for service, you need to consider a number of factors.

Cost of CW

For the opening of the main and additional foreign currency accounts , a fee is sometimes charged. This is a one-time and insignificant payment unlike, for example, from the cash services of clients. A trading point needs to hand over cash to the bank every day. Cash collection is ordered for these purposes. This service is chargeable. If the customer himself brings cash to the office, the payment for their crediting to the account depends on the number of transactions. The more of them, the lower the cost.

The implementation of non-cash payments is also charged depending on the number of transactions. Some banks set a fixed fee for a month.

Individual financial institutions offer package service. It includes a number of operations in a limited number. Calculate the benefits of this service may be operating IP. To do this, you need to compare the proposed number of operations in the package to the actual one. Why only IP? Because only a private entrepreneur can conduct five transactions per month: send taxes to the budget and transfer his salary from a current account to a card account.

Other payments

Enterprises that issue salaries to employees have to withdraw funds from their accounts at least once a month. A commission is also charged for this operation. The lion's share of the costs is for the transfer of funds to plastic cards. However, this cost item can be reduced by issuing a salary project in a bank.

Very demanded today remote service is used by both private entrepreneurs and organizations. The system "bank-client-online" allows you to save time, paper and money for making payments. Most credit institutions charge a fee for installing the program and providing electronic keys, but its maintenance is usually included in the total cost of the package.

Service

An important role is also played by quality and speed of service. Before opening a settlement account of an LLC or an IP, come to the bank branch and talk to the staff to see if you can cooperate with them. At this stage, you need to evaluate the full range of services provided, the lack of bureaucracy and the length of the working day.

Settlement and cash servicing of customers is also assessed by the speed of document processing. It is clear that the payments are made in the order of the general order. But sometimes there is a need for rapid processing of the operation, for example, if the payment is formed at the end of the working day. In most banks, this problem can be solved by one call to the operators with a request to quickly carry out the transaction. In others, you must apply in advance for quick processing of payments.

Location of the credit institution

This, though not the most important, but still a significant factor. The presence of a network of branches is very important if the activity of an entrepreneur is not concentrated in one city. In this case, you can apply to any branch of the bank and promptly withdraw cash from your current account.

This also includes the availability and cost of software equipment. The system "bank-client-online" allows you to make payments anywhere in the world if you have Internet connection.

Getting a loan

The issue of using borrowed funds is also better discussed at the initial stage before opening an account. It's always easier to negotiate with "your" bank than to look for other offers on the market. In turn, the credit institution requires less documents from its clients and considers applications more quickly.

The probability that the proposed conditions will not suit the entrepreneur is very high. In this matter, the company is the easiest. They are allowed to have several settlement accounts. But the IP will have to look for another bank. And amicably part with the financial institution will not work. Transfer of service to another credit institution is subject to a fine.

The situation on the Russian market

Having considered the main factors that you need to pay attention to when entering into a contract for cash services for legal entities, let's move on to describing the packages of services on the market. All of the banks examined below were evaluated according to the factors described above.

OJSC "Sberbank of Russia"

In order to issue a contract for cash services to legal entities, in addition to the standard package of documents, it is necessary to prepare a lease agreement for the premises where the office of the organization is located. Then you need to wait three days, pay in cash once for 2 thousand rubles. For opening an account, and then still pay the cost of the selected tariff (2,2-3,1 thousand rubles.). This fee includes the cost of account management, remote maintenance, electronic payments, all cash transactions and provision of certificates.

As the largest credit institution, Sberbank has a developed network of branches, a greater choice of services that are provided at a low cost. But customer testimonials confirm that the quality of service leaves much to be desired. Constant queues at the cash register, long processing of payments and weak technical support are not in favor of the bank.

OAO Gazprombank

Notarized copies of the constituent documents that are attached to the application for the opening of settlement accounts to legal entities are considered two weeks. Moreover, the security service can come to the legal registration office of the legal entity. This is one of the minuses of a credit institution. All services are provided not in batches, but separately. Account maintenance is free of charge. But for his discovery you need to pay 2.5 thousand rubles. One fee is charged from 13 to 100 rubles.

ZAO "VTB 24"

More attractive and quality service conditions are provided by the second state bank. "VTB 24" application for cash services of legal entities is considered up to three days, no additional checks are made, but immediately opens a settlement account for 2 thousand rubles. The first month the client is served on the terms of the starting package for 1.2 thousand rubles, and then chooses the most suitable tariff plan (from 3 thousand rubles). Payments are processed at a price of 25/60 rubles per piece (paper and electronic version, respectively). For cash withdrawal, the client will have to pay 1% of the amount. For fast quality service is charged not a small fee. This is the only defect of the credit institution.

Rosselkhozbank OJSC

The fee for opening an account is 2 thousand rubles.

Monthly service - 800 rubles.

Remote maintenance - 200 rubles.

Carrying out payments - from 30 rubles.

Similar conditions are offered by FC Otkritie. The only difference is that applications for cash services to customers are accepted online directly from the site.

OJSC "Alfa-Bank"

This credit institution has a developed network of branches and a high service. Having decided to open an account here, you can use the service of booking the details, call the manager directly to the office, if there is no opportunity to visit the office on your own. The bank motivates customers to use remote maintenance. To do this, he set the tariffs for the processing of electronic payment in the amount of 0 rubles, and paper - 150 rubles. Monthly fee is from 555 rubles. And with advance payment you get a 25% discount. For such a high maintenance service, a large fee is charged. At the same time, the credit institution strictly controls all submitted documents.

Promsvyazbank OJSC

To become a client of this credit institution, you need to pay 590 rubles. For opening an account and another 550 rubles. For his conduct. The bank accepts advance payments for three, six months and a year while the cost of the service is reduced. The service is batch. In this case, customers can use the PSB service with a high degree of online payment protection for free. The only tariff that significantly exceeds market prices is payment for cashing of funds - from 1% to 12%.

Rosbank OJSC

To its clients, the credit institution offers six service packages. The tariff on the RCO is reduced if, together with the opening of the account, the client draws up a salary project, a loan, opens a deposit or card. One-time payment is 1200 rubles. You still need to pay 450 rubles for keeping an account. Another advantage - the accrual of 2% on the balance of own funds on the account, exceeding 300 thousand rubles. The customer pays for the services he uses. But preferential tariffs are effective only with the purchase of an additional product.

ZAO "RaiffeisenBank"

The cost of a package of services depends on the company's turnover. The lowest tariff "Basic" is provided for 1200 rubles. per month. This amount includes a fee for opening, maintenance and remote maintenance. For processing of each payment after 20 on the account a fee of 25/120 rubles is charged. Apiece (electronic / paper version). The advantage of using the services of banks is that the package provides terminals and a salary project on preferential terms. But many customers are confused by the large number of additional unnecessary options.