Choosing a bank for a legal entity is not an easy task, much more difficult than for an individual entrepreneur. Entrepreneurs, as individuals, are protected by the deposit insurance system. If something happens to the bank, the individual entrepreneur will return the money from the current account, within the current limit (in 2017 this is 1,400,000 rubles). Client organizations are not protected by anything; all that they are guaranteed is a place in the creditors’ queue. Often the decision to open an account with Sberbank for a legal entity is caused precisely by the desire to avoid the risk of losing money.

Please note: from 2019, the insurance system for funds in bank accounts will also apply to.

Pros and cons of Sberbank

Sberbank is a clumsy, cumbersome structure and does not chase clients. The bank is already doing well; at the end of 2016, it became the most profitable bank in the world, and return on equity increased to 20%. Sberbank does not hide the secret of success - to reduce rates on deposits of individuals and organizations, reduce staff and the number of branches.

If you are primarily interested in quality of service and low tariffs, then opening a current account with Sberbank for an LLC is not the best idea. But the bank has another undeniable advantage - its main shareholder and founder is the Central Bank. In the context of the protracted reorganization of the financial market, when the licenses of credit institutions are revoked almost every month, this is a serious advantage.

In addition, Sberbank itself calls its advantages:

• the largest branch network in Russia (legal entities serve 800 branches, and physical ones - about 15,000);
• active lending to small and medium-sized businesses (about 33% of the corporate loan portfolio falls on SMEs);
• subsidiary banks in the CIS (Ukraine, Kazakhstan, Belarus) and abroad (Austria, Switzerland, Turkey);
• fast opening of foreign currency accounts - on the day the client provides a full package of documents.

According to statistics from the banki.ru portal, Sberbank ranks first in the financial rating of credit institutions in Russia.

But in the national rating, which is compiled based on customer reviews, its position is much lower - barely reaching the fourth ten. Most of all, customers are dissatisfied with the sluggishness and low qualifications of employees, long payment processing times, poorly functioning online banking, and high service tariffs.

To be fair, it must be said that not a single bank has absolutely satisfied customers. As for tariffs, they are more noticeable for individual entrepreneurs with low incomes than for organizations with good turnover.

Procedure for opening a current account

If you have decided in favor of the largest credit institution in Russia, then find out how to open a current account with Sberbank for an LLC.

Opening an account for legal entities in any bank occurs in accordance with the Instruction of the Central Bank of the Russian Federation dated May 30, 2014 N 153-I. Information about what documents are needed for this is also available on the bank’s website itself. To open an LLC current account you must provide:

1. charter;
2. certificate of registration of a legal entity (for LLCs created before January 1, 2017) or a sheet of registration of the Unified State Register of Legal Entities in form No. P50007;
3. original extract from the state register of legal entities (a copy certified by a notary or tax office is acceptable);
4. a card with a sample seal and signatures;
5. documents confirming the authority of the manager (personnel order or decision of the founders);
6. confirmation of authority to manage the account of other persons whose signature is recorded on the card (most often, an order appointing a chief accountant);
7. passport of the manager and other persons with access to non-cash funds;
8. information on the bank form;
9. license for certain types of activities, if issued.

Additionally, to open an LLC current account, the manager will ask you to fill out a client application and a form to identify the beneficiary.

Documents must be submitted in originals; copies can be taken and certified by an operator for a fee. Notarized copies are also accepted, but you still need to have the originals with you for comparison.

All information received about the client is carefully checked, but the website reports that opening an account with Sberbank for legal entities is possible even on the day of submitting documents. However, if the client’s integrity is in question, the service agreement may not be concluded. The bank has the right not to disclose the reasons for refusal.

The answer to the question of how much it costs to open a current account for an LLC depends on the location of the bank branch and the number of signatures on the sample card. The highest one-time commission for opening an account is in Moscow (3,000 rubles). Add here another 500 rubles for registration of one signature plus 300 rubles for certification of a copy of each original.

In total, opening an LLC account in Sberbank for a metropolitan organization will cost at least 5,000 rubles. For each additional option (checkbook, electronic key, connection to the Sberbank Business Online system, etc.) a separate fee is charged.

Preliminary account reservation

You can reserve a current account for an LLC with Sberbank even before submitting documents. The service allows you to obtain the necessary details in a few minutes without visiting a bank branch.

This is especially convenient if you do not have time to open a current account for an LLC during a personal visit, and you urgently need details to receive funds. Simply fill out the form with your organization information and select a branch to serve.

The details are sent to the specified email address, and the account starts working to credit funds. You are given 30 calendar days to prepare documents and open a current account in Sberbank for an LLC in the selected branch. However, if money has been received using the reserved details, the invoice registration period is reduced to 5 days, otherwise the funds will be returned to the sender.

The normal operation of any enterprise is impossible without opening a current account. Thanks to it, a legal entity can not only store funds, but also make calculations, make and receive payments. Services for opening such products are provided by banks. One of the industry leaders is Sberbank. You need to figure out how to open an account with this institution and what package of documents will be required for this.

Pros and cons of opening an account

Opening a current account is a right, not an obligation. However, without this action it is difficult to establish normal operation of the enterprise, and in most cases it is simply impossible. In addition, this procedure has significant advantages. This action makes it possible to:

1. Conduct a legal, transparent business without violating current legislation.
2. Ensure the security of storage of enterprise funds, payments and settlements.
3. It is easy and convenient to carry out payment transactions.
4. Open salary projects for company employees.

These advantages apply to all banking organizations. Using Sberbank services makes it possible to enjoy the following advantages:

1. An extensive network of ATMs and branches in all regions of the country.
2. Making payments from 6 a.m. to 11 a.m.
3. Possibility of remote maintenance.
4. Providing qualified advice at any time of the day. There is a special dedicated line for corporate clients.

The disadvantages of the procedure include the following factors:

1. The need to spend working time visiting a bank branch, collecting a package of documents, and drawing up an application.
2. Such services are provided on a paid basis. Accordingly, the company will have to add additional costs to the budget both for opening an account and for its maintenance.
3. In case of violations, there is a possibility of seizure and subsequent blocking of funds.

You also need to take into account the likelihood of bankruptcy of a banking organization, due to which the company will not be able to fulfill its obligations to counterparties on time. However, in the case of Sberbank, the risk is minimized.

Cost of the procedure

To open an account with Sberbank for a legal entity, you will have to pay. The bank wastes the time of its employees and its own resources. You will have to pay for both opening (a one-time payment) and maintenance. You should understand in detail the Sberbank tariffs that apply to this service.

For opening accounts

Now (September 2018) you can use the option for free if you choose a ready-made service package. If registration takes place on individual terms, the price will depend on two indicators: the region of registration of the client and the currency of the account. As an example, the cost of the service in several regions is given:

1. If the company operates in the Vologda region, you will have to pay 1,800 rubles for opening (1,900 rubles for an account in euros).
2. When registering an enterprise in the Altai Territory, you will have to pay 2,500 rubles, regardless of the currency.
3. The cost of opening for enterprises in the Voronezh region is 2,000 rubles (2,400 rubles if payments are made in euros).

The largest amount will have to be paid to companies operating in the capital. For Moscow enterprises, the cost of opening is 3,000 rubles (3,300 rubles in euros). At the same time, the cost for the Moscow region (excluding Moscow itself) is 2,600/2,700 rubles, depending on the currency.

For service

Tariffs for the Moscow region

The cost of service depends on the specific tariff plan. At the moment, a legal entity can choose one of the following tariffs (the cost of service is given for the Moscow region):

1. "Easy start." Basic service package, no service fee, but the number of transactions is very limited.
2. "Good season." For legal entities running seasonal business. The cost of service is 625 rubles per month.
3. "Good earnings." For enterprises that have established stable operations. Every month you will have to pay 1,290 rubles.
4. "Active calculations". You can make up to 50 payments per month. The cost of the package is 3,180 rubles.
5. "Great opportunities." For large enterprises. The most expensive package of services is 14,000 rubles per month.

If these packages are not suitable for a legal entity, it is possible to draw up a constructor agreement including individual services. In this case, the cost of service is set individually.

How to open an account

The registration procedure consists of several stages. To carry it out, you will have to collect documents and visit one of the branches of the banking organization. Since the bank needs to verify the legality of the legal entity, the procedure may take some time.

Opening conditions

Both an individual entrepreneur and a legal entity can open a current account. The duration of the company’s activity, as well as the sector, do not matter. There is only one requirement - running a legal business. Before signing the contract, bank employees will check the company. Therefore, documents must contain accurate and up-to-date information.

Order/reservation

It will take some time to open. The company cannot always wait. If funds from a counterparty are expected to arrive in the coming days, you can use a reservation. It provides for the preliminary opening of an account with the issuance of its number to the legal entity. You must proceed as follows:

The account number will be received within five minutes from the moment the application is submitted. Only incoming transactions are allowed on a reserved account.

Documents

The company is given no more than 30 days for further actions. During this time, it is necessary to collect all documents. To open an account with Sberbank for legal entities, you will need to collect the following documents:

• Charter and other constituent documents;
• an extract from the Unified State Register of Individual Entrepreneurs, as well as form P50007 from the Unified State Register of Legal Entities;
• a card containing signatures of persons and seals of management (owners of a legal entity);
• form with information about the organization;
• company registration certificate;
• letter from Rosstatistics with accounting codes;

You must have both originals and copies of these documents with you (they must first be certified by a notary). If necessary, a bank employee may require additional papers.

Identification procedure

In accordance with instruction number 28 issued by the Central Bank, a banking organization must identify a company before opening a current account for it. The check concerns the following data:

1. Company name, legal form, registration information.
2. Legal registration addresses.
3. Information on the availability of permits to conduct activities.
4. Information on the formation of the authorized capital.
5. Information about the persons who will manage the account.
6. Contact details.

Opening occurs only if the company has successfully completed the identification procedure. Otherwise, existing violations must be corrected.

The last stage of registration is the conclusion of the contract. If everything is in order with the documents, and the identification procedure has been successfully completed, an agreement is concluded between the bank and the company. In the future, you can open additional current accounts based on this document. That is, you will not have to collect all the documents again and submit an application.

Opening a current account through Sberbank Online

As soon as the registration process is completed, the company will have access to the Sberbank Business Online service. With its help, you can open accounts remotely. To do this you need to proceed as follows:

1. Go through the authorization procedure.
2. Enter menu "Invoices and statements."
3. Select item "Create a request", after which "Opening an account"(in the context menu that opens).
4. Select currency and tariff plan.
5. Agree with the bank’s terms and conditions (it is recommended that you read them first).
6. Enter the code from SMS, which will be sent to the applicant’s number.
7. Click the button "Ready".

Review of your application may take several days. After opening the account will be displayed in your personal account. Via the menu "Invoices and statements" You can monitor the application review process or cancel it.

Opening an account in foreign currency

The process of opening a foreign currency account does not differ from the standard procedure. During registration, you must indicate the currency in which the account is opened. Payment is made in rubles. The same applies to registration of services remotely. When choosing a currency, indicate not rubles, but dollars or euros. The only difference is that in this case three accounts are opened at once:

1. To account for the currency held by the company (current).
2. To account for the company's revenue in foreign currency (transit).
3. And to account for currency purchased on the domestic market (special).

The cost of registration also depends on the region of operation of the enterprise. It is worth considering that you will have to pay more for the maintenance of such a product.

Conclusions

Thus, opening an account with Sberbank for legal entities has its own advantages (ease of management, several tariff plans, security). To carry out the procedure, you need to collect a package of documents and submit them to the bank branch. You can reserve an account online, which will make it possible to receive funds from counterparties before the registration procedure is completed.

After registering the product, you can open new accounts through Sberbank Business Online. To do this, you need to submit an application in the service, and then wait for confirmation.

A current account is necessary for legal entities and individuals in order to participate in non-cash money turnover, as well as accumulate non-cash funds on it, which will later be used for their intended purpose.

Page content

Before you proceed directly to opening an account with Sberbank, you need to decide which account and in which currency you need. The account can be current, card or deposit. Detailed advice on this issue can be obtained from bank employees who, after analyzing the client’s needs, will help choose the most optimal conditions for opening an account.

• Current account – intended for storing funds and carrying out transactions in national and foreign currency. No interest is charged on the remaining balance. The peculiarity of such an account is that a visit to the bank is required to carry out the operation. As a rule, such an account is used to make money transfers, pay for large purchases, as well as payments under contracts and serious transactions. It is more reliable to use such an account for transactions with large amounts.
• Card account is often “linked” to a current account and makes it possible to make transactions using plastic cards. The advantages of a card account are that you can use it at any convenient time, without visiting a bank branch, and also send and receive money transfers or make purchases using an ATM. This account is most often used for everyday purchases, current payments, and cash withdrawals.
• Deposit account – used for the purpose of accumulating funds, which the client receives through the calculation of interest on the balance of funds placed in the deposit account. Unlike the previous two options, funds that are in the deposit account cannot be used until the end of the agreement. Using a deposit account, thanks to accrued interest, allows its owner to protect funds from inflation.

Open an account for an individual

Any adult citizen can open an account. Russian citizens only need to have a passport with them when applying to a bank. Foreign citizens, in addition to a passport, need a document confirming the right to stay on the territory of the Russian Federation.

Opening an account at a branch

To open an account, you need to contact the nearest one and explain to the employees what operations you are going to carry out and in what currency. Bank employees will help you choose the appropriate type of account and tell you about its advantages.

Having decided on one of the options, you must provide the bank employee with a passport, on the basis of which an agreement on using the account will be filled out. The agreement is drawn up in two copies and will require your signature, which must be affixed after studying the agreement. Once you receive your copy of the agreement, check for the presence of the bank’s round seal on it.

Once the agreement is concluded, you can begin using the account. If, at the same time as opening an account, you decide to issue a plastic card, you can receive it at a bank branch in 2 weeks.

Open an account in Sberbank Online

You can open an account yourself using the Internet if you have activated. If you have not used such a service before, we definitely recommend it.

So, in order to open an account with Sberbank Online you need to:

Attention! Please pay attention to the deposit conditions for withdrawal and replenishment. If you need a deposit for the sake of an account, then choose a deposit without restrictions on withdrawal and replenishment.

What to do if there is no “Deposits and Accounts” tab in Sberbank Online?

If there is no “Deposits and Accounts” tab in the main menu of your personal account, do not worry. The tab may be missing for two reasons:

1. You have not drawn up a UDBO agreement (Universal Banking Service Agreement). The agreement must be concluded in person at any Sberbank branch.
2. The tab is hidden in settings. To activate it, go to your personal account settings and in the “Product Visibility Settings” tab, select the appropriate section.

Poll: are you satisfied with the quality of services provided by Sberbank in general?

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Open an account for a legal entity

For legal entities, a current account is the main financial instrument. With its help, enterprises manage their financial flows, pay their counterparties, transfer salaries to employees and pay taxes.

As a rule, opening a current account is a mandatory procedure that immediately follows the registration of an enterprise in the state register. To open it, the company will need to collect a certain package of documents, which should consist of:

• statutory documents of the enterprise;
• certificates that the legal entity has passed state registration;
• extracts from the Unified State Register of Legal Entities;
• certificates from statistics on the assignment of codes;
• documents confirming the powers of the director and chief accountant;
• certificates stating that the company is registered for tax purposes;
• licenses, if the enterprise carries out a licensed type of activity;
• application form;
• a card with the signatures of officials and an imprint of the company's seal.

It is also necessary to provide original documents, from which the bank will make copies and certify them. After checking the provided documents, bank employees will offer to sign an agreement for servicing the account. After signing the agreement, you will only have to wait for notification of account opening.

Important. After opening an account, the company must notify the tax office, the Pension Fund and the Social Insurance Fund about this.

The procedure for opening an account for an individual entrepreneur is identical, with the exception of the list of documents required for this. An entrepreneur does not need to provide statutory documents.

Simultaneously with opening a current account, you can connect remote servicing services, which will significantly save time on payment transactions. This will allow you to track the movement of funds in your account in real time, as well as carry out payment transactions without visiting the bank. The ability to connect to the service is provided for in the account servicing agreement.

The main financial instrument of a business entity is a bank current account. It is also difficult for individuals to do without an element with which they can carry out non-cash transactions. Sberbank of Russia occupies a leading position in the Russian banking services market. Who are the clients of a financial institution, what can it offer them and how can they obtain its services?

Opening an account in Sberbank

What is a current account

The current account of a banking institution is its element that has a specific entry in the register, under which the cash balance is listed in the equivalent of the currency in which it was opened. The bank client has round-the-clock access to his funds, which he has the right to use at his own discretion without the use of restrictive measures.

A current account is a tool for organizing standard financial transactions.

Some of its types are cumulative in nature, which allows you to receive additional income from invested funds. However, they are used extremely rarely due to the low interest rates typical for such a banking element.

Who are the bank's clients?

Regulatory and legal sources grant the right to use bank services in the field of conducting transactions through a current account to individuals, legal entities and individual entrepreneurs. Business entities open an account in order to implement their entrepreneurial idea, which is impossible without making money transfers. Individuals can use current accounts to make transfers and also as transit elements.

How many accounts can you open?

Sberbank clients, depending on their status, can use several banking products. They must differ in qualitative characteristics, which could be the intended purpose or currency of the product.

Customer Service Terms

Opening an account on the bank's official website

Opening a current account is paid by the client in accordance with the amount agreed upon in the contractual agreement. Its service is also not free. Funds under this item are withheld from the account by the bank on a monthly basis. The client must also be prepared to pay for the transition from one tariff to another.

Read also: How can a citizen of Ukraine open an individual entrepreneur in Russia?

What do you need to know before opening an account?

Before opening a current account with Sberbank for an LLC, a potential client should familiarize itself with the terms of cooperation offered by the bank.

You can get the necessary information at its branch, on the official website or by calling the hotline. It is recommended to find out in advance about the cost of opening and maintaining an account, the package of services provided and the conditions for transactions. When signing the contract, the client must have information about the availability of automated services, the timing of the statement, the possibility of changing the tariff, as well as the conditions for the procedure.

To sign a cooperation agreement between a banking institution and individuals, it is sufficient to present a passport and tax identification number. For legal entities the list is significantly expanded. Business representatives who are managers of LLCs must prepare copies and originals of documents:

• constituent documents;
• registration certificate;
• certificate of entry into the unified register database;
• extract from the register;
• a document confirming the fact of tax registration;
• a card with sample signatures of the head of the enterprise and his chief accountant authorized to carry out banking operations;
• orders on the appointment and powers of company managers;
• documents identifying the applicant and his authorized person;
• account holder profile;
• statement;
• license to carry out activities;
• power of attorney, if the account opening is not carried out by the head of the company.

If one of the documents is missing, the applicant will be refused to sign the cooperation agreement. The package of documents will be returned to its owner, and the procedure for registering the relationship will be postponed until the package of papers is collected.

List of documents required to open a current account

After choosing the tariff that is most suitable for the terms of service, and collecting the package of required documentation, the potential banking client must contact the branch of the financial institution in order to formalize the relationship. It can also reserve an account in advance, which saves time, speeds up the product checkout process, and funds the account before it is activated. The procedure is relevant for opening LLCs, when before its registration it is necessary to form an authorized capital. The option is also convenient for already functioning business entities, in situations of changing the servicing bank, when it is necessary to receive payment for services or for the sale of products under executed contracts with counterparties.

The opening of Sberbank took place back in 1841, and since then it has occupied the highest positions of rating agencies. Among the 4.5 million business representatives registered in Russia, more than 1 million are serviced by this bank.

Even a novice entrepreneur can afford to open a current account with Sberbank, since the tariffs are acceptable.

To open a personal account, documents are required that any businessman can provide in a short time. Conducting account transactions online makes business convenient and saves time.

More about Sberbank

Advantages of opening a current account with Sberbank

Sberbank, according to 70% of the Russian population, is the most favorable bank for opening accounts. Let's figure out why most legal entities choose it.

The advantages of opening a current account with Sberbank are the following:

reliability (when carrying out transactions on accounts, you can definitely be sure of their safety. The bank dates back to the 19th century, which speaks of its experience and stability in relation to various fluctuations of an economic and political nature);

you can open an account without leaving your own office, over a cup of coffee or while on the road (this is possible thanks to Internet technologies that allow you to register an account number online. In this case, the account becomes active after 5 minutes, it can be used until How will you provide the originals of all necessary documents);

the bank provides remote services, which frees you from visiting bank branches and waiting in queues;

payments are made all week from 6:00 to 23:00, which provides ample opportunities for business in terms of timely payment and receipt of funds from counterparties;

the bank offers several account servicing tariffs to choose from: you have the right to choose any based on annual revenue;

a large number of ATMs (you can always find a device nearby for withdrawing or depositing cash, which operate around the clock);

The bank has a dedicated telephone line for corporate clients. It works 24 hours every day, which means that you will receive an answer to your question at any time of the day.

Open an account

Free tariff at Sberbank “Easy Start” for opening a current account

This is an excellent tariff that Sberbank launched relatively recently. This service package allows you to:

1. Open a current account - Free;
2. Monthly maintenance - Free;
3. The first 3 payments are Free;
4. + 1 year card maintenance;
5. Opening an account and making a reservation in 5 minutes (you can use the account immediately!);
6. Internet banking and mobile banking - Free;

This is a very favorable tariff on the cash settlement services market, and even in the most reliable bank in Russia.

Open an account for free

All Sberbank tariffs for cash settlement services

You can choose a ready-made service package that already includes a set of functions from Sberbank. If none of them suits you, then the bank offers to draw up a constructor agreement, which can include only those functions that will be needed specifically when running your business. The table shows 6 basic service packages that you can activate online or by contacting a Sberbank branch.

Sberbank tariffs vary in each region. In the following table we have collected for comparison several items from tariff plans for the cities of Moscow and St. Petersburg.

Some entrepreneurs, when studying Sberbank's tariffs, consider them too high. This may be true when compared with other little-known banks. However, it is worth taking into account the reliability of Sberbank, increased convenience for customers, which are associated not only with the availability of various services within tariffs, but also with the largest number of branches and ATMs in the country.

Detailed tariffs

How much does it cost to open an account and what is needed for this?

Tariffs for opening a current account with Sberbank depend on the region of registration of your business. Prices for services are fixed in the bank’s internal documentation and are publicly available. You can see the cost of opening a current account with Sberbank in some regions in the table below.

If you open an account using the “Quick Start” tariff, then opening an account is FREE!

The list of papers required to open an account varies depending on the legal form of your company, and we will talk about this below. The list of documents also includes a banking service agreement, which spells out all the nuances of interaction with the bank.

To open an account you need contact a Sberbank branch or apply online through the official website of the bank. In both cases, you must fill out a form with information about the organization. The conditions for opening an account remotely and in a bank branch are similar. The difference is that in the first option you register an application and fill out the application yourself, while in the second option the operator completes the application.

If for some reason you do not want to open an account yourself, then professional intermediaries can provide assistance. In order for them to represent your interests in Sberbank, you will need to issue a special power of attorney and write down all transferred rights in it. For assistance in opening an account, the intermediary company charges a fee, which is most often paid before the services are provided.

Step-by-step instructions for opening a current account

You already know that you can open an account with Sberbank in two ways:

• in the department;
• online.

For your convenience, we will analyze both methods in the form of step-by-step instructions. If you would like to contact a bank office to open an account, you must complete the following steps:

1. Prepare a list of necessary documents (they will be discussed below);
2. Contact the nearest Sberbank branch (a list of addresses can be found on the bank’s website);
3. Punch the coupon in the electronic queue to open a legal entity (or individual entrepreneur) account;
4. When it’s your turn, provide all documents to the operator;
5. Fill out the form with company information;
6. Select a tariff plan (their list will be announced to you by the operator);
7. Write an application to open a current account;
8. Sign a banking service agreement;
9. Here you can connect a set of additional functions (for example, register a personal account of a legal entity on the bank’s website);
10. Ask for a printed form with your company's account details;
11. Next, the operator will ask you to deposit the amount necessary for servicing and conducting operations on the account.

Opening an account online

To open an account with Sberbank you will need to take 3 simple steps:

Go to the Sberbank website and follow the instructions below;

Click the button Submitonline application«;

Fill out the form and wait for a call from a specialist from Sberbank;

We contact Sberbank to open a current account for individual entrepreneurs

Opening a current account for an individual entrepreneur is accompanied by collecting a package of documents. The list of papers includes the following:

passport (you will need the original; the operator will not accept you with a copy);

form No. P60009 from the Unified State Register of Individual Entrepreneurs (original only);

an extract from the Unified State Register of Individual Entrepreneurs (you can provide the extract itself or a copy of it certified by a notary or a representative of the Federal Tax Service. Certification by a bank employee is also allowed);

card of sample signatures and seals (certified by a notary or by a bank operator, if authorized persons are present in person when opening an account);

information about the client according to the bank form posted on the Sberbank website (original only);

documents confirming the right of third parties to dispose of funds in the account (the original or copies are certified by a notary or bank, and the client’s signature is sufficient on statements);

for individuals authorized to operate the account, they will be required to provide passports;

licenses (if any). It is allowed to provide copies that are certified by a notary or a bank operator (if the original is available).

When opening an account for an individual entrepreneur in Sberbank, you will not have to deal with hidden commissions: the agreement is drawn up transparently, and the nuances of the tariffs are described very clearly. In addition, all funds in the entrepreneur’s account up to 1,400,000 rubles are subject to compulsory insurance. This service is free for individual entrepreneurs.

If an individual entrepreneur opens an account with Sberbank, then more counterparties will trust him. This bank in Russia has established itself as a reliable custodian of funds, and, as a rule, for business partners it is very important through which credit institution payments will be made.

The terms of service for individual entrepreneurs at Sberbank have many other positive aspects. And if you choose a ready-made package of services, you can save on the annual cost of maintenance.

Sberbank requirements for documents for opening an LLC current account

Opening a current account for legal entities will require preliminary preparation in terms of documents. You will need to present the following package of documents to the bank specialist:

Charter or Constituent document (originals. If you provide copies, they can be certified by a notary, a representative of the Federal Tax Service or a bank operator);

Form P50007 of the Unified State Register of Legal Entities (only the original document may be provided);

an extract from the Unified State Register of Individual Entrepreneurs (you can bring the extract itself or its certified copy from a notary, a representative of the Federal Tax Service or a bank);

a card with signatures and seals (if you bring a copy, it can be certified by a notary or a bank specialist);

a form with the bank’s information about the client (posted on the Sberbank website. You must bring the original);

documents confirming the authority of third parties to manage the account (copies can be certified by a notary or bank operator);

papers confirming the rights of the sole management body (certified by a notary or a banking specialist);

passports of persons having access to the account;

licenses (copies signed by a notary or bank representative);

power of attorney if the account is opened by a representative (as well as the passport of the authorized person).

Opening an account online will also reduce your time: you can provide documents later, and use the account in the next few hours. Tariffs for services at Sberbank are quite attractive, and payments using electronic payments are also fast.

In the activities of legal entities, several money transfers can be carried out per day. To resolve issues related to them, you can call a dedicated telephone line at any time of the day and get help from a specialist.

In this case, your phone number remains in the system’s memory and when you call again, the operator will already know who he is dealing with. This significantly reduces time costs and allows you to solve the problem as quickly as possible. The cost of this service is included in each tariff, and therefore any businessman can use it.

A legal entity can link a card to a current account. With its help, it becomes convenient to top up your account through an ATM at any time.

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Settlement and cash services at Sberbank

In addition to a current account, Sberbank offers a wide range of additional services for legal entities. These include:

• salary project(the maximum time for crediting wages is 1.5 hours. If you have any questions related to the distribution of funds among employees’ accounts, Sberbank can organize an on-site consultation at your office. You will also be provided with assistance in creating a register of employees );
• currency exchange(Sberbank works with more than 20 currencies. You have the opportunity to gain access to the foreign exchange market with a well-thought-out hedging system);
• customs payments(those who have activated this service are given the opportunity to control customs payments around the clock. There is no need to open a special account, all operations can be carried out from an open bank account. Legal entities can send all necessary documents to the Customs Service online) ;
• exchange control(thanks to this service, you will be able to competently draw up international agreements, apply for loans to foreign organizations, and receive advice from Sberbank representatives on compliance with legal norms in the actions of foreign counterparties);
• bank guarantee(protection of the funds of the parties to the transaction. The buyer and supplier enter into an agreement. According to it, the seller ships goods or provides services. When the terms of the agreement are met, funds from the buyer’s account are transferred to the contractor);
• online cash registers(Sberbank offers its customers a choice of two configurations. It meets all modern requirements, as well as legal norms. Using Internet acquiring, you can remotely control points of sale, print receipts, carry out inventory, etc.);
• deferred payments(if you provide services to the public, then Sberbank makes it possible to make fund transfers more convenient. For example, the details of your organization can be reflected in all Sberbank ATMs. This way, clients will be able to pay for services quickly and with a minimum commission (and in most cases, without it) ;
• merchant acquiring(to accept non-cash payments from clients, you will need a trading terminal. The bank installs it free of charge. Funds are transferred to the account literally the next day);
• collection(bank representatives are engaged in the transportation of cash, securities, various documents, precious stones and metals. A separate agreement is drawn up for each type of value (or their combination));
• self-collection(you can deposit proceeds into the current account yourself. To do this, you need to obtain an identification code from the bank. If the authority to deposit funds is transferred to another person, he also needs to obtain a code in advance. The combination of numbers is entered into the appropriate field of the ATM. This service allows you to deposit proceeds into any time of the day, without going to a bank branch);
• accounting service(trained and experienced specialists will calculate wages for payment, calculate taxes, submit reports to the Federal Tax Service, advise on your questions, and also inform you about debt. Sberbank works with the 1C service, which will help legal entities keep their accounting books competently).

Thus, Sberbank is not only a bank known to everyone for its long history, but also a bank that follows innovations and is ready to offer them to its clients. Sberbank is one of the first to introduce new functions into its activities, which significantly simplify the work of businessmen.

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Additional Internet services from Sberbank

For the convenience of servicing its clients, Sberbank has developed a system for managing its own accounts online. Legal entities can make transfers in favor of counterparties and receive payments from them without visiting a bank office. This is possible thanks to:

• remote service called “Sberbank Business Online”(allows you to use any browser to create and send payment orders, control the movement of funds in your account, exchange messages with bank employees, and also connect various services);

• mobile application "Sberbank Business Online"(with it you can take a photo of the invoice, and the system will generate a payment order. The application also makes it possible to issue an invoice to a counterparty, sign salary registers, ask a question to a banking specialist in an online chat);

• document flow system E-invoicing(you can send various documentation to business partners using an electronic signature. The service is also equipped with the function of checking counterparties);
• website creation service(Sberbank cooperates with the company 1C-UMI, which professionally creates various Internet pages for business. Special reduced rates apply to Sberbank clients. You do not need to know the basics of programming: just select ready-made templates and follow the system prompts);
• Manager's diary(the application recognizes business cards from photographs, has the function of dictating text, distributing tasks for each day of the week, and also attaching images to created notes).