Sberbank account for legal entities. Procedures for opening different types of accounts in Sberbank for different groups of clients

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For the founders of an individual entrepreneur, having a current account is not mandatory, but for many it is an urgent need. The first step to opening a current account is to choose a bank. Many businessmen who count on long-term and productive cooperation with the bank choose Sberbank.

Open a current account for individual entrepreneurs

Any individual entrepreneur can work with cash, but this is not always convenient, and in addition also requires certain costs. You will also need to maintain documentation, which takes up valuable time. Opening a current account for individual entrepreneurs with Sberbank has several important advantages. Sberbank often holds various promotions for its clients. In this case, an entrepreneur can save on opening a current account. Sberbank offers its clients various additional services.

The most popular additional service is Internet banking. It is worth noting another advantage of Sberbank. Opening a current account at this institution is very fast. After a businessman contacts the bank to open an account, he will need to fill out Required documents. After this, a current account can be opened even within an hour. If an entrepreneur wants to connect to a service such as Internet banking, then it is best to do this immediately, when opening an account.

There are several methods for opening a current account. Sberbank offers its clients two methods. One method is remote. The second method is more well-known - to open an account, an entrepreneur must personally appear at a bank branch.

After the contract with the bank is signed, Sberbank employees will be required to service the current account in a timely manner and in accordance with all the rules. The bank will also be responsible for the safety of the money in the account and, upon each request of the client, withdraw money from the account.

Conditions for opening an account

More and more entrepreneurs are choosing Sberbank to open a current account for individual entrepreneurs. The conditions for opening an account in all banks are almost the same, but Sberbank has some advantages. On the Sberbank website you can find a list of documents that you must have with you when opening an account. It is necessary to take into account that you need to take original documents with you, since their copies will be made by Sberbank employees. In addition to the identity card, company registration certificate, TIN, some additional papers may be required.

Filling bank card may cause some difficulties. The card must contain the signatures of those persons who will have the right to manage the current account. The bank card must be filled out legibly and in accordance with all the rules.

If an entrepreneur is faced with the procedure for opening a current account for the first time, he will need to adhere to the following steps:

• First you need to collect all the necessary documents. Do not forget that all documents must be originals. Certification of each document will cost approximately 50 rubles.
• The bank will need to fill out all the necessary paperwork. There should be no difficulties, since a bank employee will help you fill out the application and agreement. The main task of the client is to put his signature and ticks where necessary.
• After this, the businessman will receive a notification that the bank account has been opened.
• You will need to deposit money into your checking account. The rates will be described below.
• An entrepreneur can connect additional services. Many people need to be able to connect to their account via the Internet. For this you need an Internet banking service.
• Previously, it was necessary to report the opening of a current account, but since May last year this has not been necessary.

Tariffs for opening an account in Sberbank

As for such services as settlement and cash services, Sberbank offers its clients 3 comprehensive packages of services. A businessman can choose one of the proposed packages for opening a current account for an individual entrepreneur in Sberbank. Tariffs can be found at official page jar. The packages are known as “Basis”, “Active” and “Optima”. You can open a ruble account with Sberbank for free. You don’t have to buy a service package, but choose the services you want individually.

In this case, the entrepreneur’s expenses will look like this:

• Maintaining cash register services per month will cost 500 rubles.
• In order to cash out, you will need to pay a commission of 1% of the transaction amount.
• In case of accepting money, the commission will be 0.3% of the amount received.
• The Internet banking service will cost 490 rubles.

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 short time. Conducting account transactions online makes business convenient and saves time.

Advantages of opening a current account with Sberbank

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

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

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!

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.

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.

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.

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 very favorable tariff in 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 are specifically needed 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 the 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.

Open an account with Sberbank

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;
• in online mode".

For your convenience, we will analyze both methods in the form 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 Personal Area 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, 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 those with authority over the account 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 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.

There are many other terms of service for individual entrepreneurs in Sberbank 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 either Founding document(originals. If you provide copies, they can be certified by a notary, a representative of the Federal Tax Service or a bank operator);

sheet form P50007 Unified State Register of Legal Entities(only the original document is allowed);

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.

Open an account

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 access currency 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 the law in the actions of foreign counterparties);
• bank guarantee(protection of 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 clients to purchase the Evotor online cash register in two configurations to choose from. 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 transportation Money, securities, various documents, precious stones and metals. A separate contract 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 issuance, will calculate taxes, submit reports to the Federal Tax Service, advise on your questions, and also inform you about the debt. Sberbank works with the 1C service, which will help legal entities conduct accounting correctly).

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.

Open an account with Sberbank

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"(you can use it to take a photo of the invoice, and the system will generate payment order. The application also makes it possible to issue an invoice to a counterparty, sign salary registers, and 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 tariffs apply for Sberbank clients. You don’t 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).