specifics of Russian business is that the local currency - the ruble has a limited circulation in the world.This means that they can not pay for goods or services provided to the foreign partners.Operations such transactions are carried out with the help of foreign money, mostly - US dollars.However, the conventional checking account to use for this is impossible - not permitted under the law.Then the organization or individual entrepreneur to open foreign currency account.
bank that provides such services must comply with the legislation.If all regulatory requirements are sustained, the financial institution shall be issued a separate license.After that you can safely conduct operations with foreign money.However, still the majority of accounting entries made in rubles, just money coming to the currency account or withdraw from it, are translated at the exchange rate of the Russian currency at the Central Bank.
noteworthy that bank customers are not limited to one name of foreign money such as US dollars.It allowed the opening of sub-accounts for each type of currency used in the activity.In this case, the organization or the entrepreneur will receive statements from the bank for each type.
As you know, the opening of bank accounts is not much difficulty.There will be no major problems at the customer and design relationship in this particular area.The institution should provide a common set of documents:
- a statement indicating the details of the future client;
- copy of the charter or the foundation agreement (required certified);
- a copy of the documents on the state registration;
- card with the signatures (also usually notarized).
If a foreign currency account opened individual or a joint venture, they should provide proof of their belonging to enterprises with foreign investment.This serves as a certificate of inclusion in the relevant register.
After a brief inspection of the applicant is a contract of banking services.Organization or entrepreneur then opened two accounts: a transit and current.First - transit - is considered a relic of the past.Previously, he served the State for the compulsory purchase of currency.Only after that the remainder of the ruble and distributed in their sectors.The current account is used to carry out all the basic operations.
Opening accounts is now available and abroad.Here, each country sets its own rules, sometimes pretty hard.For example, a summary of how to open a Swiss bank account.
In this country, a lot of banks, and each of them can set a minimum of means.But from experience we know that if the money will be less than 10 thousand Swiss francs, then it is likely to be refused.And if they manage to become the owner of such a flattering account, with a small number of operations after some time goes proposal to terminate the contract.
Before you open a foreign currency account, bank managers have to meet personally.Correspondence procedure is almost completely excluded.If there is a representative office in Russia, and it is possible to resolve the issue.If you do not have to make the trip.
Naturally, it will be necessary to request in advance a list of documents required to transfer them to check.They are very different from Russian: this may include the size of the business, its characteristics, and even the amount of income.Time for a meticulous study leave from two weeks to a month.To facilitate the procedure can be only through the recommendation of a very solid client to accelerate the same - it will not turn.
