Remote account reservation in Sberbank is a new service in the package of offers. It didn't exist before. The idea appeared in 2015. For two years, work was carried out to prepare tools for the implementation of the project. Reserving an account makes life easier in many cases.
Profitable proposition
Sometimes you need to open a current account urgently, otherwise your dreams will not come true. For legal entities and individual entrepreneurs, this service is the optimal solution:
- If there is a deal to be made.
- When do you need to separate your accounting?
- If you cannot do without a reserve account, although it is not clear how actively you will need to use it in the future.
- It must be indicated in some papers.
To open it, you need to prepare photocopies, have them certified by a notary, sign and seal - it depends on the specific situation, its features, how difficult or easy it will be to collect all the papers in a short time. This will take time. Insurmountable circumstances sometimes prevent you from preparing papers and opening an account in time for a business meeting.
It is wise to open it in a jar in advance. This is how they used to do it. When the need for it came as a surprise, he was asked to indicate, but the person could not do this, problems arose, additional difficulties, obstacles. In the end, it was still possible to achieve what I wanted, but with more effort. Bad mood, fatigue - people did not come to the bank with the best emotions and thoughts. The friendly smile of the employees, high-quality service - no one paid attention to these pleasant little things. The goal became a priority and became a matter of life and death. I had to hurry, most of all I wanted those around me to do their work automatically, as quickly as possible.
Now you can bring the necessary papers to the bank, talk to the employees, and don’t forget that you still have any questions or are interested in any suggestions. The mood will be good, because everything has already worked out, the account has already been opened. At Sberbank you can open it very quickly, without providing papers, and then bring all copies.
Advantages and disadvantages of reserving a bank account
By going to the Sberbank website, fill out an application and soon receive your bank card details. The data provided by the applicant when filling out the application form on the website is verified using the Unified State Register of Legal Entities and the Unified State Register of Individual Entrepreneurs. Therefore, collecting documents, in part, becomes a formality.
They must be brought, since every bank has internal reporting and if an error occurs in the Unified State Register of Legal Entities, Unified State Register of Legal Entities, you can understand the situation by double-checking all the information. The papers brought by the client allow this to be done.
Benefits of reservation:
- after an application has been submitted on the website, a current account has been opened and money is transferred to it;
- settlement transactions become available after the reserved account acquires the status of open - but not earlier than this moment, the owner is not actually a client of the bank;
- papers must be brought to the bank within 30 calendar days;
- if the account is opened to support government defense orders, instead of 30 days, 365 days are provided;
- if no one brings the documents to the bank branch within the specified time frame, the balance will cease to exist, and the remaining funds will be transferred to the sender;
- an additional five days are given to individual entrepreneurs and legal entities, senders should also know this - this is how long the money will be in a reserved, but never opened account in Sberbank, 35 days;
- information about communication methods is indicated in the application form - you will receive a notification that the account is reserved and that it has been cancelled, which is very convenient, you don’t need to worry about anything, dial the Call Center number, or ask the operator.
The new offer is becoming popular. This service will not be canceled anytime soon. You will want to open an account and turn it from a reserved one into an existing one. The level of service at Sberbank, interest rates, commissions, and additional offers will also be of interest. Sberbank is the largest bank in the Russian Federation. It will immediately become clear that this is the best bank for business; there are not many competitors. Of course, many banks have such a service.
But Sberbank occupies a leading position thanks to reliable investors and an impeccable reputation. Many branches are open throughout the country, using modern technologies. Choosing Sberbank as a partner is beneficial from different points of view. By using the bank account reservation service, you can verify this.
If it becomes clear that a reserved type is not needed, do employees need to be informed about this? It is advisable to inform them. It is convenient to do this only by contacting a branch or Call Center with another question. If you're not on your way to Sberbank, there's nothing to worry about. The balance will be blocked in accordance with the terms of its reservation. It’s bad if you can’t open it, because the documents in which it appeared will have to be redone.
What do you need to reserve an account?
Registration procedure
You can use the online account reservation service at Sberbank when you have already selected this bank as a partner, have a history, deposits or loans. You can also do this when no one has contacted this bank before. If this is your first time dealing with banks, use this service. The algorithm for interacting with the service is as follows:
- On the main page of the site, find a link to reserve an account. You need to follow it to the next page.
- An application form will open - you need to fill it out and send it.
- Soon you will receive information about your card number by email.
- In the menu, find a list of documents for converting a reserved account to open status.
Important. Fill out an application to open an account on the website - it is not necessary to reserve it. Within 24 hours, the operator will call you back at the specified phone number and set a time to come to the department with the documents. They need to be prepared in advance. The meeting may be scheduled for the next day.
Papers required when reserving an account
You will need to provide the following information on the reservation form:
- last name, first name and patronymic of the future account owner;
- an individual entrepreneur or legal entity reserves an account;
- ORGN and TIN;
- place of registration;
- Details for feedback – phone number, email address;
- select the nearest Sberbank branch from the proposed list;
- information about the time of registration of an enterprise or business.
This is a free service - account reservation. The number will not change after being assigned open status. Therefore, it is indicated in contracts, correspondence, and business cards.
Important. Sberbank reserves the right to refuse clients' account reservations in accordance with current laws.
The proposal was created recently and makes sense. Banking methods are developing and becoming more complex, and it is easier for clients to handle funds, negotiate with business partners, and keep accounts. This service strengthens the banking system and promotes business development. The simplicity of the procedure for reserving an account in Sberbank, the timing of paperwork, and transferring it to open status are pleasing. Success, security of transactions, timeliness are guaranteed. The mood will be good. To do this, you need to place an order on the Sberbank website at any time.
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The account reservation service on the Sberbank website makes it possible to quickly open a current account and use its details immediately after registration. The service is provided online or through a Contact Center operator. You can make a non-cash payment to an open account or receive data for paperwork; other operations will become available after registration at a bank branch. This must be done within 30 days.
What is this service - online account reservation?
Remote account reservation is a free opportunity to register a ruble account with a bank and transfer funds to it. To apply for the service, just go to the Sberbank website and fill out a form, or call the Contact Center.
Any legal entity registered in Russia, with the exception of credit organizations, can open an account. The main condition for providing the service is registration with the tax service. The service is available 24 hours a day on any device.
After registering an account at a bank branch, it becomes possible to connect additional services:
1. Sberbank Business Online is a system that allows you to accept and send electronic payment documents, monitor the flow of funds, and check information about counterparties. The system allows you to create templates for quick payments, find out the status and stage of processing of payment orders, and integrate ready-made documents in the 1C program format.
2. Self-collection is an option with which you can deposit money into your current account at any time of the day through Sberbank ATMs.
3. Service packages. Currently, the bank provides 6 package options, differing in the number of payments made, the limit for the introduction and withdrawal of cash. The advantage of a fixed set of services is the provision of favorable conditions for transactions.
Online reservation conditions
The service is provided for legal entities registered in the Russian Federation and registered with the tax authority. All necessary details are provided immediately after filling out the form on the website or through the Contact Center.
- Free annual service
- Payments are accepted from 6.00 to 23.00.
- The account currency is rubles.
The account number is retained by the client for 30 days. To confirm registration, you need to contact a Sberbank branch with a package of documents, otherwise the account will be cancelled. Funds transferred to an unconfirmed account are stored for 5 working days. After this period has expired, they are returned to the senders.
After online registration, only two services are available - transferring payments to the account and receiving information about the details. Before completing the package of documents, it is impossible to replenish the account in cash, make collection, pay from a bank card (esquiring), and also credit funds aimed at supporting the contract under the State Defense Order.
The following account numbers are available for reservation:
How to reserve an account for a legal entity
There are 2 ways to instantly create an account:
- on the official website of Sberbank;
- via the Contact Center phone number.
Online registration is available on the Sberbank website in the section... Details for transferring funds are available immediately after completing the application form. Cash withdrawals and payment transfers will become available after contacting the Sberbank office with a package of documents. The period allotted for confirmation of registration is 30 days.
You must enter the following information in the online form:
- name of company;
- legal address;
- email address and phone number;
- Kind of activity;
- revenue volume for the year;
- main state registration number (OGRN).
Another way to register an account is to call the Contact Center number. Bank operators advise the client, enter data and provide details. To register an account, you need to call the 24-hour number 8 800 5555 777
We will also tell you how to get a loan for maternity capital from Sberbank.
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Documents for reserving and opening a current account in Sberbank
To confirm the online registration of an account, a legal entity must provide a package of documents to the bank branch, including:
1. Constituent documents depending on the legal form of the legal entity. The client can provide originals or copies of documents certified by a bank, notary or the body that registered the organization. In some cases, the law allows you to transfer paper details to the bank if the documents are published on the Internet on the website of official sources.
2. Original or notarized copy of a license or permit to carry out activities. If the organization's activities are related to state secrets, the client is required to provide a license or information about it.
3. Original entry sheet in the Unified State Register of Legal Entities in form No. P50 007.
4. Original or certified copy of an extract from the Unified State Register of Legal Entities. You can have the photocopy certified by the tax office, a notary, or the bank itself.
5. Card with samples of signatures and seals of the manager and chief accountant, as well as other persons who will carry out transactions on the account. Certified by a notary or directly at the bank.
6. Documents of employees presented in the card. If the kit includes a notarized card with signatures, instead of documents you can attach a letter with the necessary data and the signature of the head of the organization.
7. A set of documents confirming the assumption of office and defining the terms of reference of the manager and chief accountant, as well as other persons who will carry out transactions on the account.
8. Bank card containing information about the client. Material from it is published on the Sberbank website.
9. Documents confirming the powers of the sole executive body of a legal entity. If an authorized person is responsible for registering the account, the following documents are added to the specified package:
- original or copy of power of attorney for account registration;
- citizen's passport;
- migration card and residence permit for persons who are not citizens of the Russian Federation.
To open a budget account, you must present papers confirming your right to service at the bank. If the organization is declared bankrupt, the decision of the Arbitration Court is added to the package. Homeowners' associations must provide a certificate of ownership of the chairman of the HOA, an extract from the Unified State Register of Rights or minutes of the HOA meeting, which contains information about the chairman's property.
Additional documents include SNILS when the bank provides an electronic signature, a state or other contract for a defense order, or papers confirming completed purchases for unitary enterprises.
Useful articles:
money-budget.ru
Reservation of a current account in Sberbank, reserve a current account for a legal entity in Sberbank
One of the leading players in the Russian financial market is Sberbank. Throughout its activities, the organization has been steadily working to develop and improve its products. Caring about the comfort of clients and its own reputation, the bank uses new tools, including advanced Internet technologies. One of the key areas in the company’s service system is the development and expansion of remote work. Thanks to this, business owners can already reserve a current account with Sberbank today, without leaving the office. The main advantage of the service is saving time. Without visiting the institution’s branches, a legal entity within 5 minutes receives details and access to an account with the right to carry out incoming transactions.
How are current accounts opened online?
Business representatives and entrepreneurs can reserve an account with Sberbank in two ways:
- independently on the official website of the bank;
- over the telephone using call center services.
In the first case, the client needs to click on the link provided and fill out the form. After completing the reservation procedure, he is immediately provided with the details for crediting funds. Other operations, such as cash withdrawals, transfers, and settlement documentation, are opened after a personal visit to the bank and provision of all necessary documents. The confirmation period is limited and is 30 calendar days. After receipt of the first funds, this period is reduced to 5 working days. If the applicant fails to appear, the bank reservation is canceled and the money is returned to the counterparties' accounts.
In the second case, the procedure is similar to the first. Only the questionnaire is filled out not by the client, but by the operator. The applicant dictates all the information of a legal entity or entrepreneur necessary to open an account over a multi-channel telephone number 8-800-555-5-777. This number is posted on the bank's website.
Documents for opening a deposit
To reserve accounts online, legal entities and entrepreneurs must provide the following information:
- type and name of the organization;
- legal address;
- the applicant's email address and telephone number;
- annual turnover in rubles;
- OGRN;
Companies and entrepreneurs who, for example, provide legal services or are involved in trade, service, production, etc. can reserve an account in Moscow and other regions of the Russian Federation with Sberbank. The exception is credit institutions.
Important! Persons applying to the bank must be registered in the country and registered with the tax authorities.
A complete list of documents to confirm activities and fully open an account is posted on the official website of Sberbank. The list depends on the type of activity of the client and his status - resident, non-resident.
Benefits of the service and additional features
By opening a deposit with Sberbank, the client receives a ready-made base platform for developing his business. With its help, opportunities for a business owner are significantly expanded. Sberbank’s online services allow you to carry out banking operations for transfers, payments, and receipt of funds 24/7 without being tied to your personal location.
At the branch, during confirmation of registration, the client can activate a number of additional services. Among the most popular it is worth noting:
- “Business Online” is an application with which you can send, receive and monitor the movement of electronic documents and funds; the system allows you to open new accounts, make deposits and loans, it makes it possible to study the resumes of counterparties, etc.;
- “personal lawyer” is a service that implies the provision of high-quality professional legal assistance 24/7.
- “self-collection” is an option through which an enterprise’s cash proceeds can be deposited directly into a bank account through the Sberbank ATM network.
creditznatok.ru
How to reserve a current account, and what is it for?
In 2014, Sberbank clients received a new service - the ability to reserve a current account. Despite the considerable age of this option (full four years), few people know the intricacies, advantages and rules for designing such an option. Below we will analyze the main nuances in more detail.
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 slowness 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:
- charter;
- 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;
- original extract from the state register of legal entities (a copy certified by a notary or tax office is acceptable);
- a card with a sample seal and signatures;
- documents confirming the authority of the manager (personnel order or decision of the founders);
- 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);
- passport of the manager and other persons with access to non-cash funds;
- information on the bank form;
- 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.
Opening a current account for legal entities is accompanied by the execution of a certain number of documents. The “Account Reservation in Sberbank” service is designed to speed up business processes when working with counterparties. The owner reserves a room and starts working without waiting for it to open.
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The essence of the service
Reservation has a number of advantages:
- urgency. The booking process takes a few minutes. Money can be received on the opening day and stored there until fully activated;
- ease of maintenance. To make a reservation, you need a computer and the Internet, the system works without interruption for 24 hours. The number is assigned by the program and transferred to your personal account. Alerts about the transfer of funds come immediately after replenishment;
- availability. Your personal account can be managed from anywhere in the world with Internet access.
The service of reserving a current account in Sberbank is the assignment of a number without submitting papers for opening in the future. A person can use a reserved number before registering the main one.
What operations can be performed
The owner of a reserved account can replenish it (even on the opening day). Within 5 days from the date of booking, deposits can be made without confirmation of actions.
Other banking transactions are prohibited.
Documents for opening a current account must be submitted within 5 business days from the date of the transaction, otherwise the bank will be forced to return the money and cancel the reservation.
How to make a reservation at Sberbank
The reservation procedure provides the opportunity and time to provide a complete set of papers. The owner, in turn, can use the number to inform his counterparties.
To reserve a current account, the client fills out a form indicating:
- full name and legal form of the enterprise (information must fully comply with the Charter).
Online reservation
You can use the service and receive details remotely. (the authenticity of the company is verified automatically: the program checks the TIN number provided by the client with data from the Unified State Register of Legal Entities).
To do this you need:
- go to the official website;
- Click the “Small Business” tab;
- select “Cash and settlement services for legal entities and individual entrepreneurs” in the menu;
- fill out information about the organization;
- select the bank branch where servicing is planned;
- click "Submit".
Conditions
- The basis for the reservation is the instruction of the Central Bank dated May 30, 2014 No. 153-I. According to the document, a legal entity or individual entrepreneur registered in the Russian Federation can obtain a number;
- The bank gives the client 30 calendar days to collect the documentation necessary to open a current account. Papers must be submitted in original, copies are attached. A notary or bank employee has the right to certify copies;
- When making a reservation to support the State Defense Order and State Contract, the client must submit a set of required documents within 365 calendar days;
- One client has the right to book only one room;
- Currency – Russian ruble.
If the package of documents is not submitted within the specified period, the reservation will be cancelled.
Important! The period for submitting documents is reduced to 5 working days if the money is credited to the reserved account immediately after its opening.
Before using the reservation service, the client must know that:
- reservation is of informational nature;
- the number issued at the time of booking may be indicated in the documents;
- the account works only for the receipt of money;
- Operations for crediting funds can be made on the day of reservation;
- expense transactions are possible only upon submission of a complete set of documents;
- after the number is cancelled, the money is returned to the sender.
Mode of using a separate account
You can also reserve a special account - a current account for fulfilling the conditions of the state defense order. When you book it, the money will arrive faster.
The client has the right to spend funds under the government order for advance payments for work under the government contract. Money is written off according to an order indicating the government contract identifier code.
Conclusion
To reserve an account with Sberbank for a legal entity, log on to the official website and register. Waiting for account reservation in processing – 5 minutes. This allows you to work with transfers of legal entities on the first day of registration, and helps resolve some business issues quickly and without risk.
A completely new service has appeared on the domestic banking market - online account reservation. It is provided to its clients by the largest financial institution in the country - Sberbank of Russia.
Thanks to this, clients have the opportunity to quickly receive a current account number, which will be opened after contacting the bank. Eventually, the client can immediately transfer funds to him.
Moreover, to do this, you can stay at your workplace or not leave your home. All that is necessary for this is to go to the official Internet resource of Sberbank.
A service for our state online account reservation is new. Therefore, it has not yet become widespread in the financial sector. But its convenience is difficult to overestimate. After all, representatives of small or medium-sized businesses in this case can quickly obtain their own current account number without visiting a bank branch.
Sberbank became one of the first among other financial organizations in the country to decide to provide its clients with this type of service. In order to take advantage of the described opportunity, the client must visit the official website of the institution, find and fill out the appropriate application indicating all the necessary details of an individual entrepreneur or legal entity.
Next, the system will immediately give the client a current account number in rubles, which was reserved in his name. The system also provides the visitor with full payment details of the reserved current account. The whole procedure will not take more than five minutes.
Clients have the opportunity to reserve accounts remotely while on the road, in the office, or at home. In addition, the opportunity is available both on weekdays and on weekends or holidays, and, in addition, at any time of the day. This speed of registration is extremely important for entrepreneurs and legal entities.
After all, very often there is a need for a current account, which must be promptly communicated to the company’s counterparties. In addition, there are situations when it is necessary to redirect all incoming external payments to another banking institution as quickly as possible.
Before this, for all known reasons, this was a practically unattainable task. After all, it was necessary to collect a complete package of documentation, and, in addition, visit a bank branch to opening an account.
Thus, the possibility online account reservation at Sberbank is an extremely attractive offer. Its main “trump card” is the ability to provide an account to counterparties immediately after reservation. Moreover, the banking institution can immediately accept funds into the specified account after completing the reservation procedure.
At the client's request, the bank can provide information on a reserved current account using one of the most modern and convenient methods. During the process of registering an account on an online resource, the client indicates his own email address, as well as a mobile phone number.
Using the latter, the client will be able to receive information not only about the account that is reserved, including its number, as well as details, but also about the receipt of funds to it. The financial institution will also notify the client that it is necessary to come to the branch to finalize all documents for the full opening of the account.
It is worth noting that the reserved account number is retained by the entrepreneur or enterprise for five working days. During this period, the client is required to present a package of documentation to the employees of the financial institution to open a current account. It should be noted that a complete list of required documentation is provided on the Sberbank website.
When reserving an account on a financial organization's resource, the user can select the branch where he wants to go through the final stage of registering a current account. This is a very convenient option. After the client receives a positive response from the banking institution regarding the documentation package, possibility of carrying out debit transactions on the current account.
However, the possibility online account reservations is not the only “advantage” of opening current accounts with Sberbank of Russia. At the moment, more than two million current accounts are serviced by the banking institution. Therefore, it often happens that two counterparties use the current accounts of a given institution.
Therefore, their joint work will be organized much more quickly and conveniently. After all, payments within the system of one bank are carried out much faster. Among other things, for transactions carried out between accounts opened with Sberbank, in any case, the price is lower than in the case of sending funds to accounts opened with other financial institutions.
In the last month of this year, Sberbank makes a gift to those of its clients who have used the described account reservation service, which is the free opening of this account. In addition, clients have the opportunity to connect to the Sberbank Business Online service for free.
Sberbank of Russia provides online account reservation service legal entities (not credit institutions), as well as individual entrepreneurs who are residents of our country.
Information about these business entities must be kept by the federal tax service. Only one current account can be reserved for one company or entrepreneur. If after 5 days the account is not opened, it is automatically canceled and all available funds are returned to the senders.
For all legal entities engaged in commercial activities, the procedure for opening a bank account (one or more) is mandatory at the legislative level. In addition, non-cash payments significantly speed up payment transactions and optimize the workflow. Using a current account, an enterprise can pay wages to employees, pay for purchases, make tax deductions, and also accept funds for services provided. Therefore, as soon as a legal entity is registered, the company immediately needs to start opening an account in a proven and reliable bank.
Among such banks, Sberbank occupies a special place - an institution with an impeccable long-term reputation, time-tested, and justified the trust of its clients. To have an idea of how to open an account with Sberbank for a legal entity, it is recommended to visit the official website for informational purposes. There you can also find out about current tariff plans, profitable offers, and promotions.
Required documents for opening an account
List of documents required for legal entities to open an account with Sberbank:
- statutory or constituent documentation of the company;
- certificate confirming state registration of a legal entity;
- TIN of the enterprise;
- extract from the Unified State Register of Legal Entities;
- a certificate from the tax service confirming the registration of the company;
- confirmation from government statistics;
- a questionnaire filled out in accordance with the template established by the bank;
- supporting documentation about the powers of the manager or chief accountant;
- a special card containing an imprint of the enterprise’s seal, samples of personal signatures of officials;
- licenses – if the company’s activities require it.
Note: originals of all documents are provided, and bank employees make copies and certify them. You can also provide a package of photocopies certified by a notary.
Identification and conclusion of a contract
Before opening an account, a bank employee will carry out the procedure for identifying a legal entity and processing the provided data. Information is verified based on the documents provided. Usually the manager does not need to bring any additional information.
This is followed by the stage of concluding a contract. The document is signed by representatives of Sberbank and the organization, and also sealed by both parties. Next, the bank employee creates an account in the registration book - the opening of an account for legal entities in Sberbank can now be considered successful.
Note: within a week, a legal entity must submit information about opening a current account to the tax service, pension fund and social insurance authorities.
Online reservation service
To improve the quality of customer service, Sberbank has developed an additional option that allows you to remotely reserve a place on the bank’s official portal. This operation will be convenient if the manager currently does not have the opportunity to personally contact the branch to open an account.
Go to the “Small Business” or “Banking Services” tab
“Online current account number”
The essence of the service is virtual registration. The director or chief accountant fills out an electronic form and enters all the relevant data. Next comes the information processing stage, the company identification procedure. In parallel, a Sberbank employee creates a current account number and sends a notification to the client with information.
The account number reserved in this way will be valid for five days. At this time, the company cannot yet fully carry out all financial transactions, just receive funds.
But do not forget that within the same 5-day period you must come to the Sberbank branch in person and provide a complete package of necessary documents. Only then will the procedure for opening a current account be considered complete, and it will be possible to carry out all expense transactions. If you haven’t been able to find time to complete full activation within 5 days, then there is no reason to panic. The reserved account number is simply canceled, and all funds that have already been credited will be returned to the counterparties. After this, you can re-register online or open a current account with Sberbank.
Account opening services are provided on a paid basis. But there is also the possibility of opening it for free - usually a Sberbank employee informs you about these nuances and conditions. But according to the general rules, an additional service will need to be connected to an online reservation. In addition to free account opening, a legal entity will have the opportunity to be serviced remotely, which significantly helps save time.