Cash settlements LLC is not prohibited by law.But for the normal functioning of the need to have a bank account.If the procedure of registration of legal persons engaged in a specialized agency, it will draw up documents.Otherwise, the entrepreneur may have to delve into the nuances of the procedure.So, how to open a checking account for the company?
Nuances
Ltd. and SP can be in the same tax system, but because of the different forms of ownership can be the first to operate without opening a bank account, and secondly it requires the government to do.Another question is that in the eyes of counterparties entities that do not use the services of credit institutions, do not look quite solid.If at first, when the number of transactions per month does not exceed a dozen, we can restrict cash payments, with the increase in activity without banking services is indispensable.SP can withdraw and deposit funds into the account at its sole discretion.Ltd. shall provide justification (contract, invoice, credit order, and so on. D.).In the case of the implementation of activities in other towns are required to open a branch of a legal entity and separate account for him.
list of documents
Each bank its demands to the securities.But there is a general list of documents for all organizations.Large banks usually do not require notarization of securities.They are enough to show the originals, and after that he will make a photocopy of the employee and assure her.
Documents for opening a checking account Company:
- Charter.
- certificate of registration.
- Information on registration with the tax.
- Certificate INN.
- letter codes assigned to Rosstat statistics.
- application to establish a unit.
- Certificate of registration with the tax inspectorate.
- decision of founders on appointment of the director.
- Documents confirming the location.
- signature card and stamp company.
For a list of non-residents more volume.The following paper must be legalized by the Embassy of Russia abroad:
- Documents confirming the state registration of the legal entity.
- copy of the permission of the Central Bank of the country where the company is located.
- certificate of registration with the tax.
- Copies of licenses that permit within the Russian Federation carry out economic activities.
- Other documents at the request of the bank.
legislation provides for the procedure for clearance of accounts of non-resident legal entities, their branches, representative offices, international organizations, foundations and other institutions.
collect these documents, you can proceed to the selection of a credit institution.
How to choose a bank
Opening an account for the company - a painful procedure.Therefore, the choice of the agent bank should be approached deliberately.The location of the financial institution is not an important criterion.To keep abreast, just connect internet banking.This service provides virtually every institution.When you select should pay attention to a set of basic services and tariffs.You should also pay attention to the list of additional advantages: the ability to arrange an overdraft line of credit, payroll project.In order to attract more customers to the site may not be available complete information, but only the lowest fares.So first you need to select a few institutions with optimal conditions, then visit each department and specify all the details of service.
instructions for opening a bank account for the SP and OOO
- registered legal entity.
- analyze the terms of service in various institutions and choose the best.
- send an application for opening a bank account for the TOE.
- provide a complete package of documents to the employee.
- Wait for a positive decision.
- conclude an agreement with the bank on current accounts, cash settlement and other services.
law provides that account should be opened within 24 hours after the date of application and sign the papers.During this time, the bank verifies the identity document of the client, sign a contract, make an entry in the Guinness Book of registration.Since then, the account is considered open.In fact, the process in real time takes 30-60 minutes, but on the condition that a complete package of properly executed documents.That's how the opening of a current account for the LLC.
alert
Previously, the law obliges employers to notify the IRS to open an account, PF, FSS and HIF within 7 calendar days after receipt of the documents.For non-compliance deadlines company could receive a fine of 5 thousand. Rubles.Following the amendment of Law from May 2015 this obligation was abolished.Thus, registration of company and opening a bank account at the time occupied by no more than 10 calendar days.
Treaty
This document is a standard form, the same for all banks rarely include additional items.Most often, the organization offers customers several service packs, which include the following services:
- RKO.
- Cash Transactions.
- Acquiring - service fee.
- overdraft.
Internet banking
Together with the submission of documents for registration of the contract for servicing the current account can activate the service remote control, which lets you save time, track movement, transfer funds to state agencies and cards.To activate the service you need to write an application, download the application and keys.In some banks, this service is already included in the basic package of services.And the cost will depend on the number of available basic operations.
Rates
Commission for registration of documents ranging from 500 to 3 thousand. Rubles.Money is made to the account, and then written off on the basis of a warrant.While some banks offer this service for free, but in future this will affect the value of the discount service.The number of accounts for the company in the national and foreign currency is not restricted by law.The only exception to the IRS repents.But if the legal person has a blocked transaction by the decision of the organization, opening a bank account for the company will be available only after the removal of the arrest.
is better to buy a complete package of services, you connect them individually.This can be seen even at rates of Sberbank:
- opening an account - 5 th. Rub .;
- keeping RKO- 500 rubles / month;
- fee for Internet banking - 810 rub .;
- receiving cash - 0.3% of the total;
- cashing - 1%.
packet service, which includes the above-mentioned services, but in limited quantities, will be cheaper:
- Up to 10 transactions per month - 2.2 thousand. Rub .;
- Up to 20 transactions - 2.5 thousand. Rub .;
- Up to 30 - 3.1 thousand. Rub.
Opening an account for the company in the "Alfa-Bank" will cost the customer in 1890 rubles., Plus service 110 rubles., Remote control 800 rubles.and transfer commission - 28 rubles."Probusinessbank" in a package "Starter" offers even lower rates: 500 rubles.for account maintenance and 25 - for payment.At the same time in the promotion of business Savings Bank provides a loan of 17% per annum, and "Alpha" - 20%.So that the initial savings can then do a lot of money.Therefore, each case must be good to analyze the proposed conditions and tariffs, to evaluate not only their current position, but plans for the future.From this perspective, the possibility of overdraft or line of credit on favorable terms can be considered a big advantage.
