All domestic banks offer their customers to open an account for individual entrepreneurs.But a lot of credit institutions.What services should use?The short answer to this question, it is best to choose the budget organization.In this article you will learn how to open a checking account for the SP in the Savings Bank.
Why do we need it?
The state does not prohibit economic agents to operate without opening the safe-deposit box.But it is very uncomfortable.While new technologies make it possible to carry out transfers through payment systems, they are not legalized.Accordingly, the tax authorities can not track them income and expenses, and large organizations simply would not take you seriously.Cash transactions with large volumes of transactions appear suspicious.It is better to work through the bank.Current account for the SP contains details that can be reported to the partner for the contract.In addition, the presence of the cell bank is significantly facilitates the work of the finance department.And with the increase in the volume of activity and the emergence of international partners, without the services of a credit institution can not do.Therefore, it is better to ask, how to open a checking account for the SP in the Savings Bank.
Choice
Those who do not understand at all credit institutions, it is best to use the services of a public institution.In Russia, only two of them: Sberbank and VTB.Their staff is very scrupulous in all matters relating to the documentation that comes from customers.Therefore, the process of collecting certificates may take a long time.At the same time it should be noted that such organizations are different transparency of activity: all of the work takes place in strict compliance with the letter of the law.Therefore, in the case of disasters money will be protected.During the 1998 crisis, many entrepreneurs remain "afloat", as their cash stored in OAO Sberbank.
Account opening
After the registration of the legal entity must contact the FSS, the FIU, the IRS and get the help that SP is taken on record.To conclude a settlement contract, must be submitted to the Savings Bank:
- certificate of state registration of legal entities;
- a statement of the current account;
- a document confirming the authority of the Director;
- notarized copy of the agreement and the statute;
- a document confirming the authority of the chief accountant;
- signature cards;
- certificate of registration to the pension fund;
- a license that allows you to carry out activities;
- registration card;
- if you dispose of the funds will not be an entrepreneur, and a third person, then it is necessary to issue a power of attorney.
After applying the bank verifies the identity document the customer signs a contract and makes the data in the Registration Book.After these operations, you can start to use the account.The legislation stipulated period of one day to comply with all formalities.Upon operations occur in real time.If given a full package of documents that meet the requirements, the procedure takes about one hour.Here's how to open a checking account for the SP in the Savings Bank.
most often contract, which is signed by the client, includes a range of services:
- cash management services;
- transaction with cash;
- service cards;
- overdraft.
In order to attract customers, banks do not charge a commission for the operation of opening the account, but maintenance can cost a pretty penny.
alert government agencies
Within 7 days after the paperwork operator is required to notify the tax.It is necessary to submit the documents of the credit institution and to obtain inspection of the letter confirming the adoption papers.If you violate the terms of the entrepreneur faces a fine of 5 thousand. Rub.Make it worth more because the bank also informs the fiscal authorities within 5 days.Notification issued a special form number C-09-1, a specimen of which can be obtained from the tax office.The date of sending the letter will be considered as the one that is shown on the stamp.
P / C for the SP vs Ltd.
- By law, an individual entrepreneur may not open a bank cell.
- for withdrawal or transfer of funds company must provide obosnovatelnye documents.
- IP can work with one account in different cities.
Online banking
Along with the paperwork to the p / c we can conclude an agreement with the bank on remote maintenance.This will pay invoices, track the movement of funds to transfer the salary on card, to send money to the tax and other state authorities, without being distracted by the computer.However, in the contract clearly states that the number of operations is limited.And for each have to pay a fixed amount.Some services are available only to Sberbank's clients who use the Internet to make payments:
- loan without collateral.SP, whose annual income is less than 60 million rubles, can get a loan "Trust" at a reduced interest rate of up to 3 million rubles.The client can not specify the purpose of the use of funds.At the repeated reference amount of the loan is increased to 5 million.
- loans for production needs.Credit "Business turnover" allows entrepreneurs to use the funds for the purchase of raw materials, intermediates and so on. D.
- entrepreneurs, the level of revenue which is 400 million rubles., Allowed to use the credit "Business-Auto".On the proceeds can be purchased new or used car, truck, trailer or machinery.
- Product "Real Estate Business" funded bail purchased object.You can also acquire premises through an accredited bank borrower.
- «Business Project»: means is provided on a large scale with the possibility of deferment.
Commission
Sberbank Services are provided on a fee basis.Open a / c in rubles is free.If you do not buy a package at once, and connect the services separately, you will have to pay such sums:
- management CSC - 500 rub. / Mo .;
- internet banking - 490 rubles;
- receiving cash - 0.3% of the total;
- conducting transactions - 15-60 rubles .;
- withdrawals - 1%.
For comparison, a similar amount will have to pay for servicing the current account in the "PSB".In some organizations, customers are offered more service packs.The "SB Bank" SP can issue:
- «basic" package for 1000 rubles., Without a monthly fee;
- «optimal» (200 rubles. \ Months.) - Provides free opening of the first account, and dozens of monthly payments at reduced rates;
- «effective" - served for 850 rubles a month, after the renewal fee is not charged.
transfer cash on the card for the first two rates is 0.25%, at least 50 rubles.
In the "Alfa-Bank" SP can choose from such tariffs:
- «Business-Start": free discovery license fee - 990 rubles.with the proviso that a month is performed not more than 5 charges.
- «E»: design - 800 rubles., Service - 1190 rubles.
- tariff for the use of "Trade" package is 800 rubles.
Commission for the transfer of money is at stake - 0.2% -0.6%, minimum - 200 rubles.
in the "vanguard", you can open an account for 1-3 thousand. Rub.For the use of Internet banking commission will be charged.
Change billing
On April 1, 2015, Sberbank increased the fee for the transfer of funds from the account of legal entities to the bank card.I used to have a fixed rate of 8 rubles for domestic payments and 30 rubles.- For transfers to accounts in other banks.Now the commission is 1%, but the minimum transfer amount - 115 rubles.Many customers have to pay several times more for standard operation.
But the way out is still there.Clients need to be opened in the Savings Bank 'Universal Account "for 10 rubles.This amount will come directly to the card.The account is active for 5 years.A service fee is not charged.Next, you need to connect the internet banking service, if not already done.Three days later, in "My Account" on the site will 'Universal Account' and by new plastic carrier.Transfer of funds on the card will be carried out in two stages.
- need to send money to the 'Universal Account'.The Commission for the operation - 8 rubles.The new tariff does not apply to such payments as funds come in 40817 (map), and 42307 ('Universal Account').
- Order translated from the cell bank to a new payment instrument.The operation is carried out free of charge.
Denial of Service
Close by, you can only department in which it was opened.To this end, the expert identification, RKO contract and write a statement.Upon completion of the client will receive a notice from the bank, which must be submitted to the tax office.
Benefits
From all the above, you can make a small conclusion, why not open a current account for individual entrepreneurs:
- Savings Bank - a sound financial structure.It has been proven more than once.
- Serviceability.If you just connect the complete package, you do not have to stand in queues for a long time to carry out a single operation.
- using the online system, you can send money to the account for the SP.Savings Bank enables its customers to carry out transactions over the Internet.Online system is characterized by different levels of data encryption.Payments are fast, but the commission is charged on a separate tariff.
4. Payment terminals.The entrepreneur does not necessarily have a store or office to get the money from the buyer.It is enough to order a terminal and use it to conduct transactions.These devices can operate on the SIM card.Funds are credited to the account of the seller within 1-3 days.The commission is 1% of the payment amount.The device is available for free.
5. Fees for the maintenance of the current account does not differ from the competitors on the market.
6. Cashing money.You can withdraw funds for checkbook or transfer them to the account tied to the bank card.The first option is not very useful.To make out a check book very carefully and attentively.To withdraw funds, will have to go to the police.Therefore it is better to connect a salary plastic card and transfer money to it.
Conclusion
to mobilize business, you can use a cell in the credit institution.How to open a current account for individual entrepreneurs in the Savings Bank?You must provide the documents and place an order.The process takes about an hour.As the largest financial institution in the country, the Savings Bank offers its customers a wide range of services at competitive rates.
