According to the norms of national legislation, to open a bank account is the right of any citizen or organization.It is noteworthy that the number is not limited.The law quite clearly states that the relationship between the bank and the client (individual or entity) governed by an appropriate document - the agreement on cash settlement services.
When you choose which bank is better to open an account, it should be guided by the following criteria:
• fee for opening and servicing;
• presence of service "Client-Bank" (it is important to clarify whether there is such a service at all, how much it costs, how fast it can be accessed);
• the location of the institution;
• existence of loyalty programs to customers (loan on favorable terms, for example).
natural person to open a bank account much easier.First of all, we come to the selected financial institution, not forgetting to take a Russian passport.The following outline serving manager of your intentions.And then you have two options.The first - opening a savings account.Simply put, deposit.Yes, it will allow to earn extra income, however, the main disadvantage is that to a certain point to take away their money will not be.Rather, it is possible to pick up, but then on the additional income can not expect.The second option - to open a bank account to be used for the permanent withdrawal and replenishment of cash.Usually it is called "demand" or something like that.
In that case, if you open a bank account, the company intends, he will need to provide a lot of documents.And they set does not change much from one financial institution to another.Usually, you need to provide:
• a copy of the registration certificate (either EGRIP or from the register);
• a copy of the statute;
• a letter notifying the assignment of statistical codes;
• copy of the certificate confirming that the legal entity or individual entrepreneur is taken to account in local FNS.
addition to all the above, will need to provide copies of orders that said the appointment of a citizen of such a director (+ protocol on the election), and such a citizen - chief accountant.Of course, all the papers submitted to the financial institution, it should be notarized.
After signing the contract, which reflects all the necessary details should be immediately sent to the tax authority to announce the beginning of use of new banking products.To this law assigns week.Do not invest in it - prepare 5000 for payment of the fine.
Price question
And now let's see how much is to open a bank account.Enough big question, is not it?Monitoring the domestic financial services industry shows that individuals can not worry about it: they are all "by the company."But legal will have to search the appropriate option.Free pick up service can be SDM-Bank, Master Bank and Moskommertsbank.All of their competitors offer paid service.And the money will have to pay not only for the discovery, but also for further service.
