Collection of cash in bank. Collection and transportation of cash and other values. Methods for making money to the bank

One way to which organizations and entrepreneurs can take advantage of cash revenues to the bank is the collection money. This service Provided by banks in which businessmen have a current account or special organizations that have a relevant license. In the article, consider what the collection is, as well as the procedure for the provision and cost of such a service.

What does the collection of cash need

The main objectives of the collection of funds include the following:

1. Compliance with the rules for transferring funds to the bank, according to the provision of the Bank of the Russian Federation "On the procedure for conducting cash transactions in the territory of the Russian Federation". This requirement is due to the fact that almost every company approved a certain cash limit, that is, the amount of funds that can be stored at the checkout. All cash excess of this amount are subject to delivery to the bank account.
2. Preservation material values Companies and ensuring its security. Each company independently ensures the safety of cash earnings on their own. To do this, they are introduced into their staff guards, watchdis, and also provide such safety measures such as signaling and video surveillance. However, the storage of large funds on the bank's account is the most safe way Preserving funds, which also allows companies to carry out non-cash payments.

Methods for making money to the bank

You can submit cash to the bank to the Bank's account in one of the following ways:

1. Alone in the bank's cash register (the organization itself contributes to cash). In this case, the company requires the provision of employees responsible for cash withdrawal, as well as adoption additional Mer security.
2. Through the federal postal communication. In special safes (terminals) that perform the role of the CASS, invest money and indicate an account on which they need to be enrolled.
3. With the help of a special organization, which is included in the Bank of Russia system (in the example, collector service). As such a service, the Bank's structural division is usually performed, in which the company has an account or separate organizationlicensed to collector services.

Important! Legislation limits the list of persons who can hand over cash to the Bank. However, it will be more appropriate for the organization more appropriate as such a cashier who is the employee who is responsible for the safety of money material responsibility.

What services are provided by collector services

Regardless of who exactly will make collector services (bank service or third-party organization), the following actions can be performed with it:

• delivery of cash revenue of the company in the bank;
• transportation of revenue from sales point companies to the main office in order to subsequent bank transfer;
• transportation of cash to the place of purchase of material values;
• collecting funds from the company's structural divisions and transporting them to the bank;
• support for the purpose of ensuring the safety of representatives of the company transporting funds or securities to the place of storage;
• delivery of cash from the bank to office or a separate division of the company for the purpose of using them (for salaries, for cash settlements with counterparties);
• delivery on request of companies exchanged coins.

Cost of collector services

The cost of services of collectation services can differ significantly depending on certain conditions, which include:

Filling of camp cards

When carrying out collection occurs monthly decoration camp cards (0402303), the contents of which must comply with the requirements of the Bank of Russia. The cards feature the following information:

• the number of houses of collectors in which money is transported (for each point with which the means are closed by several bags is attached, one of which collectors take place, and the second remains in the company);
• the name and address of the company, which makes a fees of cash;
• phone for contacts;
• operating mode (indicates a schedule of work on weekdays and weekends, as well as lunch breaks);
• time to which collectors are making a fees of money (read also an article ⇒).

Order of cash through collectors

When transferring funds to the collector service, the cashier should prepare the necessary day, fold them in a special bag, as well as fill out the following documents:

• prepayment;
• invoice for bag;
• recipment to the bag.

The statement employee of the company should invest in cash bag, which is then seal in such a way that it cannot be unnoticed when transporting it. The bag in which the money is already being passed is transmitted by the collection and the fill in the urgent card. Taking the amount, the collector will have to sign the receipt, and also put a stamp on it. Then the receipt is transferred to the representative of the company.

Next, there is already a bank employee. Having received funds, the bank's cashier checks it with the amount specified in the declaration.If the amounts coincide, all documents are signed and a receipt of cash receipts is issued.

Important! If the amounts listed in the document and provided in the form of cash do not coincide, the declaration of cash contribution is issued again. And the wrong document must be crossed out, and on the turn is the actual amount and signature.

When detecting a bank employee of dubious bills, the cashier will have to send it to the examination. At the same time, it is the following documents:

• act of opening bags and cash recalculation;
• order transfer warrant;
• certificate of receiving monetary signs on examination.

Possible problems with cash collector

The arrival of the collection service must be carried out in a strictly agreed time. At the same time, if you do not have time to prepare cash in advance, it may be failed in the schedule of the departure of the collector transport. In this case, they can impose a fine on the company, and the company amount this fine can recover from a responsible cashier guilty of what happened.

Important! If an employee of the collection service will be discovered that the integrity of the bag is violated, or the seals, then it will refuse cash.

If the collector notices inaccuracy or error in the accompanying statement, then the cashier will need to be a new statement if it does not take a large amount of time and will not break the schedule of collectors. If the collectors have to make a re-check-in, then the corresponding mark must be stailed in the turn card. If the bag with money, the collector was not handed over, then the "Failure" mark is set in the card, as well as the reason for this failure. This mark must be certified by the signature of the company's responsible person (for example, cashier). If in any day cash to the bank does not give up (for example, on the day of salaries), then the collection service must be warned about it in advance by phone.

In accordance with paragraph 5 of Part 1 of Art. 5 of the banks on banks of one of the banking operations is the collection of funds, bills, payment and settlement documents. However, in the law, the concept of "collection" is not disclosed. Legal definition of collection in relation to cash is contained in paragraph 1.5 of the Regulations on the procedure for maintaining cash operations and the rules of storage, transportation and collection of banknotes and coins of the Bank of Russia in credit organizations Russian Federation, approved by the Central Bank of the Russian Federation of 04.04.2008 No. 318-P, according to which collection of cash It is understood by their fee from customers (including customers withdrawal through automatic safes) and delivery to the credit institution or its internal structural unit (hereinafter - VSP) followed by enrollment (by transfer) on bank accounts, accounts for deposits (deposits) of customers opened in This or other credit organization.

In the same paragraph of the provisions of the Central Bank of the Russian Federation of 24.04.2008 No. 318-P, the term "transportation of cash" is revealed as transportation by the credit institution adopted by it in another credit institution, VSP or the establishment of the Bank of Russia in cash and passing them into a credit institution, VSP, institution Bank of Russia or the transfer of the client, as well as seized from software and technical means to be investigated in software and technical means of cash.

Due to the considerable similarity in the subject of the operations of the collection of money and their transportation in practice, the question arose about the delimitation of subjects with the right to collect money and subjects with the right to transport money. As explained in the letter of the Central Bank of the Russian Federation dated January 13, 2009 No. 29-1-25 / 44, the collection of cash can be carried out by credit organizations, VSP, as well as organizations included in the Bank of Russia, whose charter is provided to them. Cash transportation can be carried out by credit organizations, VSP, organizations included in the Bank of Russia, whose charter is provided to them as well as organizations providing services for the transport of valuable goods.

As can be seen from paragraph 5 of Part 1 of Art. 5 of the Law on Banks, under the collection of as a banking operation, relevant actions are understood not only with cash, but also with bills, payment and settlement documents. Consequently, the banking operation is not the collection of other values. At the same time, the collection of other values \u200b\u200bis not specified in the list of transactions permitted by banks, in part 3 of Art. 5 banks on banks.

It seems to see at least two problems. The first problem is whether the collection of other values \u200b\u200bis possible to consider production activities, to which banks are prohibited by virtue of Part 6 of Art. 5 banks on banks? According to the Association of Russian Banks, to answer the emergence of the question, it is necessary to distinguish between the collection as an activity on the implementation of transportation of values, from common activity By transportation of goods, adjustable ch. 40 GK. The transportation of goods can be qualified as a kind of production activities, the implementation of which is prohibited by banks.

The second problem is related to the lack of legal overall definition of collection as a banking operation. According to the Association of Russian Banks, it is possible a narrow and wide collection concept.

In a narrow approach, under the collection should be understood to transport only the material values \u200b\u200bthat are listed in paragraph 5 of Part 1 of Art. 5 banks on banks. In a narrow approach to the definition of collection, it suggests that the transportation activities for other material values \u200b\u200bof customers are prohibited for credit institutions.

With a wide approach to collection, you should understand the transportation of any values \u200b\u200b(jewelry, stock, other), which is associated not only with the movement of the specified values \u200b\u200bat the destination (cargo transportation contract), but also with the activities of their protection (protection contract), namely:

• - transportation by special transport (armored car, equipped with a special labeling, flashing bearing, etc.);
• - Loading, unloading and maintenance of values \u200b\u200bspecially prepared, armed guards.

The last approach of the Association of Russian Banks seems more reasonable. However, it is necessary to determine the circle of those values \u200b\u200bthat can be the subject of bank collection. It seems possible to determine these values \u200b\u200bthrough the range of objects banking activities - Money, securities and precious metals.

In this situation, cash banks, bills, payment and settlement documents will be qualified as bank operation, and a contract for the transport of special transport bank valuable papers (for example, shares, bonds, cavias, etc.) or precious metals - as a different deal that is not prohibited for credit organizations. Transportation of other types of material values \u200b\u200b(concrete, forests, etc.) should be considered a type of production activities, which banks cannot engage in the imperative norm of Part 6 of Art. 5 banks on banks.

The rules of collection and transportation of cash are established in Section. III positions of the Central Bank of the Russian Federation dated 04.24.2008 No. 318-π. The main rules are as follows.

Transportation and collection of cash is carried out by collector employees. Cash transportation can be carried out by one or several cash registers accompanied by persons providing the safety of these employees and the safety of transported cash.

When transporting and collecting, a credit institution can use special cash packaging devices, in the event of an unauthorized opening of which the banknotes are stained with special paint, having resistant to the effects of solvents, chemical reagents and other distinctive characteristics.

To receive cash, collector workers are presented in a credit institution, VSP, the client documents certifying the identity and power of attorney for transportation and (or) cash collection.

For cash, intended for transportation, in a credit institution or VSP, sending cash, the head of the cash register or a cash security worker in an arbitrary form, is made up on the transported cash in three copies. The first and third specimens of the inventory are transferred to collector employees. The second copy of the inventory with the signature of the collector or cash register in obtaining cash remains in a credit organization or VSP, which have sent cash.

Issuance by collector or cash banking workers for transportation is carried out on expendable cash orders in form 0402009, the reception of the cash delivery delivered by these employees - at the receipt of cash orders in form 0402008.

Collector or cash registers accept packages of banknotes for their transportation on inscriptions on the upper bags of packs of banknotes with checking the number of roots, the correctness and packaging packaging of packs of banknotes and seals, impressive cliches, the presence of the necessary details on the upper lining of the packs of banknotes, fillings, cliches, bags with Coin - on inscriptions on labels to bags with a coin with a check of the correctness and object of bags of coins and seals, the presence of the necessary details on the fillings and labels to bags with a coin. Separate roots, banknotes and coins of the Bank of Russia are accepted by polystive, magical recalculation.

Accepted cash is packaged in a bag under the control of the head of the cash register, the cash register of the VSP.

Cash for transportation can be issued to collector or cash regulars packaged in bags separated by the head office or cash worker of VSP.

In a credit institution or VSP, receiving cash, receiving cash, cash bags are carried out by the head of the cash register or a cash security worker in a similar manner.

At the end of the reception from the collector workers with cash bags, the head of the cash register or a cash worker of the VSP and one of the collector workers sign the first and third instances of the inventory for transported cash. When taking bags with cash from the cash register, the specified worker and the head of the cashier or the CASS employee of the VAC affix the signatures on the first instance of the inventory on the transported cash. The first copy of the inventory is sent to cash documents A credit organization or VSP, who received cash, the third copy of the OPTIC is transferred to collector employees.

Cash transported from a credit institution or VSP can surrender by them into the credit institution or the WCCs through the automatic safe, for which they are packaged in the bag. The bag is affixed by data that allows you to identify the belonging of the bag of a credit organization or VSP.

For the collection of cash for each organization in a credit institution, a monthly execution cards are drawn up on the form of 0402303. The head of the collection is the collection routes of cash and schedules (time and periodicity) of the departments of collector workers in the organization.

The organization's cash worker places a seal sample to the collector employee, transmits a bag with cash money, as well as an overlaid bag in form 0402300 and a receipt to a bag in form 0402300.

When receiving in the organization of cash bags with cash, the collector worker in the presence of a cash register of the organization checks the kiss of bags and seals, the correspondence of the seal existing sample, the correctness of the overlap to the bag and receipt. Also, the collection worker signs the receipt to the bag, puts out the deficiency of the stamp, the date of reception of the bag and returns the receipt to the Bag of the Cash Worker of the Organization.

Upon completion of the collection route, collector workers hand over cash bags in credit institution or VSP. Acceptance of bags with cash from collector workers is carried out in the manner prescribed in clause 4.3-4.7 of the provisions of the Central Bank of the Russian Federation of 24.04.2008 No. 318-p.

Cash collection individuals It is carried out in a similar manner.

In practice, banks, guided by the above rules, provide customers The following services:

a) Collection of cash, including using automatic safes. When collecting using automatic safes, the client packs the insounched cash in special bags in such a way as to prevent opening of the bag, and independently places them into an automatic safe located in the VSP of a credit institution. Authorized employees of the credit institution produce recalculation of cash received without the direct participation of the Customer's representative with the enrollment of the amount received on the client's bank account no later than the next working day after the bag has a bag in an automatic safe.

For each bag, the client discharges a transmitted statement in three copies. The first and second instance of the transmitted statement is invested in the bag, the third copy remains from the client.

When you attach the bag in the automatic safe, the client identifies itself by reading the bar code applied to the bag, and entering the pin code or using a magnetic card. After attaching the bag, the client receives a printout with an automatic safe printer, confirming the fact of attachment of the bag.

To those discovered when calculating excess / shortage of cash cash, as well as non-empty and dubious monetary signs Authorized employees of the credit institution comprises an act on the front of the transmitted statement and the invoice for the bag. At the request of the client, the act and opened bag is made by him for review.

In case of detection of surplus / shortage, cash cash is subjected to re-recalculation in full inserted into the bag.

If the shortage of dubious, non-payment banknotes of the Bank of Russia, the credit institution enrolls the amount to the client, reduced by the amount of shortage of non-good and non-pay banknotes of the Bank of Russia. At the same time, the credit institution is not responsible for the shortage of cash in the bag and the presence of questionable or non-empty cash tickets in it, if they have been identified when recalculating in a serviceable and holistic bag;

b) Delivery of cash and values \u200b\u200bat the office of the organization. For this, the client must first provide a check in the credit institution to withdraw from the bank account of the required amount of funds and a statement for the delivery of funds with the nominal value / merits and the number of banknotes and coins.

Credit organization on its own provides cash to the client in agreed days and hours. The reception of cash collectors is made by the cashier or commission of authorized persons appointed by the Client's administrative document. The commission includes a customer's cashier.

The collector places a cashier or commission of authorized persons passport, and members of the Commission - the Client's administrative document on the inclusion of them in the Commission and the documents certifying their identity. After checking the parties to the reliability of the documents presented to each other, the Cassier of the Client conveys the assessor employee from the monetary check. The collector is responsible for the correspondence of the checkmark number with the cash check number, as well as the compliance of the data certifying the personality of the cashier, the data specified in the monetary check. After that, the bag with a cash flow is transmitted to the customer's cashier.

In case of identifying the collection, the inconsistency of the documents presented to it, the operation on the delivery of cash cash is terminated.

The cashier in the presence of other members of the Commission and the collector checks the integrity of a cash bag with cash, checks the compliance of the number of the seal on the seal number indicated on the label to the bag, as well as the compliance of the amount of cash indicated on the label to the bag and in the monetary check. The bag is opened by cutting one twine turnover, the correctness and object of packaging packaging of banknotes, the correctness of the decoration of the lining, full and incomplete packs of banknotes are accepted by the number of roots in them, individual roots and banknotes - polystive recalciation. The coin is accepted on labels attached to bags. After that, the cashier checks the amount of money taken with the amount specified in the monetary check, in accordance with their compliance with a monetary check with an empty of the time of receipt of cash.

A document confirming the delivery of cash to the client is a check with a glued control stamp;

• c) Delivery to the cashier of the coin / banknote organization (exchanged cash) in exchange for banknotes of larger nominal. The meaning of this service is to deliver the bank of the Bank of Russia in exchange for banknotes of the Bank of Russia, as well as banknotes of the Bank of Russia one nominal in exchange for banknotes of the Bank of Russia of another (usually larger) nominal on the basis of the preliminary written application of the client. The client must form bags with banknotes of the Bank of Russia for the amount to be rated, to the time specified in the application. When preparing banknotes, the customer's cashier must sort them by types and advantages. Wherein total amount delivered cash and cash closed by the client in exchange for delivered, coincides;
• d) Transportation of cash, products from precious metals and precious stones and other values \u200b\u200bbetween the structural divisions of the organization. As part of this service, the transportation of money and values \u200b\u200bfrom the client's head office in its structural units, including branches; from structural units (including branches) in the head office of the client; between the structural divisions (including the branches) of the client;
• e) acceptance and enrollment of cash, chaired by a credit institution or by the collector service of a third-party credit organization. This service, in contrast to the collection service, implies that the client himself brings the cash to the credit institution or its VSP, while when collecting the collector service of the credit institution itself leaves the Customer to receive funds. Cash with cash in the cashier of the credit institution is carried out packed in bags / packages / disposable polyethylene packages with a protective valve that prevents their autopsy. A credit institution produces recalculation of cash without direct participation of the representative of the client. Otherwise, the procedure for providing services is similar to the procedure for receiving bags by collectors;
• (e) Reception and transfer of intersectable cash at the expense of the client in another credit organization. This service is modified by the previous service, taking into account the two nuances:
  • - Money can give up not only packed in bags / packages / disposable polyethylene packages with a protective valve that prevents their autopsy, but also on the basis of an ad for a cash fee in the form of 0402001, in which the name of the credit organization name is indicated in the "Name of Bank-Deputy Bank" field VSP, at the cashier of which funds are made, and in Iol "Name of the recipient bank" indicates the name of the credit institution and the details (number, name) of the VSP of another credit institution, in which the client's bank account is open;
  • - after receiving and recalculation, funds are transferred to the client's account, open in another credit institution, no later than the next working day after receiving cash cash during the operational time of the credit organization, and in the event of a cash receipt at the end of the operation time - no later than the second working day. ;
• g) the transportation of customer documents simultaneously with the collection of cash. This service is integrated: In addition to the collection, the credit institution collects with objects (offices, branches and other divisions) of the client documents packed in disposable polyethylene packages with a protective valve, for subsequent client transfer. At the same time, accepting collectors from the client packages with documents on the facility is made only while simultaneously providing a customer for collecting money after receiving bags with values. Cutters of collectors to the object (objects) of the client only for receiving and subsequent transportation of packages with documents are not carried out;
• h) Delivery of securities of the credit institution. Most often, this service is resorted to the carriage of bills from the Credit Organization to the Client (when purchasing them) and back (upon presentation to payment).

In the interbank market The following services for collection and transportation are distributed:

a) Delivery of banknotes of the Bank of Russia from a credit institution to the establishment of the Bank of Russia and from the Bank of Russia to the Credit Organization. The creature of this service is to receive one credit institution (hereinafter referred to as the Incassive Bank) in another credit institution - the cashier's cash services, its delivery and delivery of the Bank of Russia (Bank - the Bank - Central Bank of the Russian Federation) and on the reverse delivery of banknotes of the Bank of Russia, Removed in the RCC from the correspondent account of the credit institution - the service leader on the basis of a monetary check (Operation "Central Bank of the Russian Federation - Bank").

With reverse delivery, collectors take cash in the establishment of the Bank of Russia on the basis of a monetary check, issued by the credit institution - the service leadership of the Collector on the assembly market.

Delivered from the Bank of Russia to the Bank of Russia, the monetary cash of a brigade of collectors learn the cash worker of the credit institution - the service leader with the design of the receipt cash order in form 0402008;

• b) Delivery of banknotes of the Bank of Russia from one credit organization to another credit institution. This service is similar to that described in the previous paragraph with the only difference that the initial and final point of the cash flow is not a bank of Russia, and the credit organization is the Credit Organization Certificate correspondent. In other words, the Incassive Bank takes acceptance of the credit institution of the Bank of Russia's monetary signs of the Bank of Russia, their delivery and a credit institution - a correspondent and (or) reception in the credit institution - the Bank of Russia's banknotes correspondent, their delivery and the delivery of the credit institution - the Service Provider;
• c) Transportation of cash, precious metals, precious stones and other values \u200b\u200bby the collection service of one credit organization between the structural divisions of another credit organization - the service leader. This operation is not fundamentally different from the "client" operation described above (p. "G");
• d) collection of automatic safes and ATMs of third-party credit institutions. The collection of automatic safes of the credit institution - the service leader is carried out by taking by collectors of the planning bank through automatic safes of bags with monetary cash and delivery of their credit institution - the Service Provider. When collecting ATMs, the Incassive Bank takes from the credit institution - the service leader separated (pricked) cassettes, delivers them to the accommodation addresses of ATMs and makes them uploaded to ATMs. Also, the Incassive Bank unloads empty ATM cassettes and delivers their credit institution to the service leader.

Formation (packaging) Cassettes for ATMs produce employees of a credit institution - service provisions independently. Each cassette is supplied with a label and is sealed by an employee who packed the cassette. The label is affected by the name of the credit organization, the number of the ATM, the packaging date, the amount of cash, surname, initials and the signature of the cash worker of the credit institution.

If the cassette technical device does not allow them to be sealing, the cassettes are sealed with a strip of paper, which indicates the amount of cash invested in it, the provisions and the signature of the cashier of the credit organization - the service leader is affixed.

Simultaneously with the cassettes, the collectors of the planning bank are transmitted to the keys to the castle parts of ATMs, service and terminal cards, envelopes with passwords from code locks of ATM safes and service cards.

After the operation for loading / unloading cassettes, unloaded cassettes, keys from the castle parts of ATMs, service, terminal cards and reports on the fact of loading (unloading) The collector transfers the credit institution to the credit institution.

• Letter of the Association of Russian Banks Director of the Department of Cash Cash Treatment of Bank of Russia A. V. Yurov dated November 19, 2009 No. A-02 / 5-747 "On the transportation of material values \u200b\u200bthat are not related to funds, promissory and settlement documents" // ARB. EN / Site / docs / docs.php? doc \u003d 823.
• Ibid.

If the delivery and collection of money and other values \u200b\u200bfrom branches, operating cash desks outside the cash nodes are made according to inventory, the uncertain cards are not issued.

6.1. Reinforcement by cash and other values \u200b\u200bof branches and operating cash desks outside the cash node

6.1.1. Reinforcement by credit institutions with cash and other values \u200b\u200bof branches, as well as by one branch of the credit organization of another branch of this credit institution, is made on the basis of a letter for signatures of the head of the branch, chief accountant and the head of the cashier, certified by the seal of the branch.

Operational cash desk outside the cash node of the credit institution is supported on the basis of the application of the cashier of this box office.

6.1.2. In a credit institution - the sender for the necessary amount of reinforcement is discharged.

6.1.3. The issuance of cash and other values \u200b\u200bof collectors, the cash desk of the operating cash office outside the cash junction is made by the head of the cash register.

Upon receipt of money and values, collectors prevent service certificates and power of attorney. Acceptance of money and values \u200b\u200bby collectors, a cash desk of the operating cash office outside the cash node, is carried out in bundles with checking the correctness and integer packaging, the presence of the necessary props of the necessary details, the intake of seals and the clarity of the seals or cliché For inscriptions on labels to bags with a coin with the verification of the correctness and integer packaging and seals.

(see text in the previous edition)

6.1.4. Detected at the moment of tower and bags with a coin, having packaging defects, receiving are not subject to.

6.1.5. For ruble cash, foreign currency and values \u200b\u200bsent through collectors are compiled separate inventories that are signed by the head office of the credit institution, and its signature is fastened. In described, indicate:

To ruble cash - the dignity of banknotes (coins), the amount for each dignity and the total amount of money;

For foreign currency and payment documents in foreign currency - the name (code) of the currency, the amount of the denominations for each type of cash foreign currency, the amount of ruble equivalent, determined at the rate of the Bank of Russia at the date of departure of the currency, and the total amount in rubles;

At Values, the view, the name of values, their nominal or conditional assessment, the total amount of investment.

Finds are compiled in three copies. The first copy of the Question is sent to the credit institution - the recipient, the operating cashier outside the cash node, the second copy remains in the Credit Organization - the sender, the third instance after the task of the collectors is transmitted to the collection division.

6.1.6. After checking, collectors under the control of the head of the cash register or a specially dedicated cash register of the Credit Organization - the sender packaged cash and other values \u200b\u200bin the bags that are separated by the head of the cashier (specially dedicated cash register). On the label to the bag are affixed: the amount of attachments, the date, signature and the registered stamp of the head of the cashier (specially dedicated cash register) of the Credit organization - the sender.

Ruble money cash, foreign currency and payment documents in foreign currency, other values \u200b\u200bare invested in separate bags.

(as amended by the instructions of the Central Bank of the Russian Federation of 30.12.1997 N 121-y)

(see text in the previous edition)

In the case of issuing cash and values \u200b\u200bpacked in bags, the head of the cash register or a specially dedicated cash worker of the Credit Organization - the sender prepares the amount necessary for reinforcement and invests in the bag. The bag is packaged in the foregoing.

Collectors accept bags for inscriptions on labels with an inspection of their integrity, the presence of entire and clear prints of the seal.

6.1.7. In the reception of money and values, the senior brigade of collectors, the cash worker of the operating cash office outside the cash junction signs in consumable Ordere And on the second instance of Obia.

(as amended by the instructions of the Central Bank of the Russian Federation of 30.12.1997 N 121-y)

(see text in the previous edition)

6.1.8. Delivery of cash in the operating cash office outside the cash node of a credit institution directly by the cashier of this cashier is made accompanied by specially allocated workers, ensuring the security of the cash register and the safety of values.

6.1.9. Acceptance of money and other values \u200b\u200bdelivered by collectors are carried out by the head office of the credit institution - the recipient's credit organization, an operating cash register for the operating cash desk outside the cash junction in bundles with checking the number of roots in them, the correctness and objective of packaging, the presence of clear and integer seals (cliche), the availability of the necessary details; For inscriptions on labels to bags with a coin with the verification of the correctness and integer packaging and seals.

Putures and bags with a coin delivered by collectors in damaged packaging are made by polystive recalculation and recalculation of circles in the presence of collectors. The results of the recalculation are the act in three copies. The act is signed by all persons present at the reception and recalculate money and values. The act indicates: the reception date, by whom and in whose presence was recalculated, which damage was discovered, in which packaging there were money or values, the amount according to the data of the inventory and the actual amount of nested money or values. The first copy of the act is placed in the cash documents of the credit organization - the recipient, into a separate work of the operating cash office outside the cash node, the second copy is transmitted to the credit institution - the sender, the third copy is transmitted to the collection unit.

(as amended. Instructions of the Central Bank of the Russian Federation dated 23.04.2001 N 960-y)

(see text in the previous edition)

6.1.10. The head office of the credit institution is the recipient's cash worker outside the cash node and the senior collectors teams are sampled in the reception of money and values \u200b\u200bon the first and third specimens of Obia, which are sent in cash documents of the credit institution - recipient or a separate work on the operating cash desk out of the cash node, respectively. In the collection division.

(as amended. Instructions of the Central Bank of the Russian Federation dated 23.04.2001 N 960-y)

(see text in the previous edition)

To enroll the money accepted on the cashier in a credit institution - the recipient is issued a receipt order.

6.2. Cash delivery to organizations

6.2.1. On the eve of cash delivery, the Organization places a cash receipt for a credit institution. The checkmark from the check remains from the client.

6.2.2. Cash preparation for delivery to customers produces a cashier or specially dedicated cashier. Cash prepared separately for each document is invested in the bag. The bag is supplied with a label and is selected by the head of the cash register or a cashier who packed the bag. The label is affixed: the name of the organization, the packaging date, the amount of nested money, the signature and the registered stamp of the head of the cash register or the cash register.

(as amended. Instructions of the Central Bank of the Russian Federation dated 23.04.2001 N 960-y)

(see text in the previous edition)

6.2.3. The Cash Head issues collectors prepared for delivery to customers in cash and money check after the presentation of official certificates and power of attorney.

(as amended. Instructions of the Central Bank of the Russian Federation dated 23.04.2001 N 960-y)

(see text in the previous edition)

Collectors take bags with cash payments on labels attached to bags, with the check of their favors, the presence of entire and clear prints of the seal. Detected by collectors at the time of receiving the bags that have packaging defects are not subject to receiving.

In the reception of money, the senior brigade of collectors is painted in the expendable cash holder.

6.2.4. In the organization, the reception of delivered money is made by the cashier or commission of authorized persons appointed by the written order of the head of the organization. The commission includes a cashier of the organization.

6.2.5. Collectors are making a cashier of the organization (commission of authorized persons) service certificates and a turn card. Representatives of the organization of collectors - the order of the head of the Organization on the inclusion of them in the commission, documents certifying their individuals and the control mark for reconciling its number with the number of money check.

(as amended. Instructions of the Central Bank of the Russian Federation dated 23.04.2001 N 960-y)

(see text in the previous edition)

6.2.6. Cashier Organization (commission of authorized persons) checks the packaging packaging packaging bags with cash flow, checks the compliance of the impulses of the seal on a seal to the bag existing sample and takes full and incomplete packs of banknotes by the number of roots in them, separate roots and banknotes - polystive recalculation, coin bags - on labels on labels. After that, the amount of money taken with the amount specified in the monetary check is written on a monetary check and fills the turn card. In the turning card, the bag number, the reception time and the amount of the received cash cash is affixed.

6.2.7. Upon presentation of collectors, the bags in the disturbed package are drawn up with an act in three copies and is signed by all persons present when receiving money. The first copy of the act is transferred to the credit institution, the second - division of the collection, the third copy remains in the organization.

6.2.8. Decorated monetary checks Collectors transfer to the operating worker of a credit institution for recording in the cash journal on consumption and reflection on the accounts accounting. Cash check and consumables cash Order (As an application to a cash check) is transmitted to the head office for premises in cash documents.

(as amended by the instructions of the Central Bank of the Russian Federation of 30.12.1997 N 121-y, dated 23.04.2001 N 960-y)

(see text in the previous edition)

6.3. Collection of cash and other values

6.3.1. In the collection division to work with clients, a list of organizations, enterprises, institutions serviced by collectors of a credit institution (Appendix N 26) is conducted.

6.3.2. Organizations are in the collection division samples of pebbles, which will be separated by the bags. The seal print contains the number and abbreviated name of the organization or its brand name. All specimens of samples of sealing seals are assigned to the seal of the head of the collection division by imposing a seal of a credit organization for a split below the client seals.

One copy of the sample of the seal is transmitted to the organization for presentation of collectors when they receive bags with values, the second copy - to the cash division of the credit institution for monitoring when receiving money from collectors.

6.3.3. For each organization for the collection of ruble cash cash, a first-letter card with the assignment of the number specified in the list is discharged. For the collection of cash foreign currency and payment documents in foreign currency, an urgent card with the inscription "Currency" is used. In the column "the amount of money (values) invested in the bag" indicates the total amount of the ruble equivalent invested in the bag of cash foreign currency, determined at the rate of the Bank of Russia at the date of formation of the bag.

6.3.4. The number of bags issued by the organizations is determined by the volume of accountable revenue. Each bag is affixed by the sequence number.

Bags used to collect foreign currency and payment documents in foreign currency have the inscription "Currency" or other distinctive signs and symbols.

6.3.5. The head of the collection division is routes and schedules of departures of collectors in the organization. Check-in time and service frequency are established by a credit institution in coordination with the client.

6.3.6. The head of the collection division fills in a certificate of books and camp cards issued by collectors and transfers it to a cash division of a credit institution.

6.3.7. The organization's cashier to each handbag surrendered to collectors with ruble cash cash issues a transmitted statement.

(as amended by the instructions of the Central Bank of the Russian Federation of 30.12.1997 N 121-y)

(see text in the previous edition)

A preliminary statement is drawn up to the bag with foreign currency and payment documents in foreign currency (Appendix N 27).

The first instance of the transmitted statement is invested in the bag; The second copy is the invoice to the bag - is transmitted to the collector when they receive the bag; The third copy is a copy of the transmitting statement - remains from the client.

6.3.8. A cash bag is fed by the organization's cash register in such a way as to prevent its autopsy.

6.3.9. Before receiving the values, the collector - the collector places the cashier of the organization a service certificate, a power of attorney for obtaining values, a fracture card and a generating bag. The Cashier of the Organization presents a sample of sealing seals, bag with values \u200b\u200band two copies of the transmitted statement.

(as amended. Instructions of the Central Bank of the Russian Federation dated 23.04.2001 N 960-y)

(see text in the previous edition)

6.3.10. The collector - the collector takes a bag with values \u200b\u200bwith checking the packaging integer, the presence of entire and clear seals, compliance with their existing sample, checks the correctness of filling out the transmitting statement and transmits the cassier of the organization to generate a bag and a filling card for filling. The collector then checks the compliance of the amount specified in the test card by the cashier, the sums in the invoice and copy of the transmitted statement, the amounts of numbers and in words, the number of the bag indicated in the fan card and the accompanying documents, the number of the bag received, after which it signs on the copy of the transmitted statement, puts printing and the date of reception of the bag.

6.3.11. Corrections when filling the valuable card are not allowed. Incorrectly, the record is crossed out, a new entry is made on a free field of a turning card, certified by the signature of the cashier of the organization.

Records in the expansion card is not allowed to collector.

6.3.12. In case of detection of disruption of the integrity of the bag or improper design of the accompanying documents, the reception of values \u200b\u200bis terminated. In the presence of the collector, only those errors and defects are eliminated, the correction of which does not violate the schedule of the team of collectors.

In other cases, the acquisition in the organization is carried out by re-arriving at a convenient collection of collectors time, as the corresponding entry in the turning card is made.

In case of refusal to put cash cash, the organization's cashier makes entry in the refusal Card "and assures it with his signature.

6.3.13. In a special car, the Senior Collector Brigade takes from the collector - the collector with a bag with values \u200b\u200bin the manner prescribed in clause 6.3.10, returns to it the invoice, a turn card and gives a generating bag of the next serviced organization. The bag with values \u200b\u200bis invested in a safe, a metal box or, if they are lacking, in the bag for all the run time on the route and is stored under the responsibility of the senior brigade of collectors.

6.3.14. At the end of arrival, collectors hand over cash bags in the cash division of the credit institution in the manner prescribed by sections 2.2 - 2.3.

6.3.15. After putting the bags, the senior brigade of collectors transfers the head of the collection unit (duty collector) the second copy of the accounting magazine of adopted bags with cash and empty bags.

6.3.16. Collection of cash and other values \u200b\u200bfrom branches, operating cash desks outside the cash node of the credit institution is carried out on the basis of the transmitted statements in the foregoing or inventory.

Opuvea is compiled by the head office of the branch, a cash desk of the operating cash office outside the cash node. The first instance of the invested in the bag with values. When collecting the operating cash office outside the cash node in the bag, together with the description, a consolidated certificate of cash circulation is invested. The second instance of the inventory remains in the branch, the operating office outside the cash node, the third instance of the inventory is transmitted to collectors.

Registration of inventory, receiving cash and other values \u200b\u200bby collectors in the branch, the operating office outside the cash node is made in the manner prescribed

Many modern companies enjoy the services of organizations that specialize in collection. It is due to the fact that creating their own collection service is expensive and usually unproductive. Therefore, companies turn to collectors so that they take cash to the bank. This procedure helps to save money and protect them from scammers. And in our current article we will describe the procedure for holding the collection of funds in more detail and tell about the nuances of this operation.

What is included in the service

He regulates the collection process of the Bank of Russia No. 3210-y. Other regulatory papers are absent. Under the collection is understood as the procedure for collecting cash monetary units and documents and moving them to the bank to transfer to the company's personal bank account. This procedure performs the following important tasks:

• Delivery of revenue of a trade organization to the bank.
• Delivery of money from different outlets in the company to convey them to the banking organization.
• Transportation of money from the bank to the office for employees.
• Transportation made on credit money from bank to office.
• Delivery of funds from a banking institution to exchange offices.
• Transportation of cash between branches of one organization.
• Protection of bank employees who transport documents or money.

The collection allows you to quickly and, most importantly, with a high degree of security, move the cash revenue to the settlement bank account, which is convenient. Also this procedure It will help to fill in the cashier with the necessary coins and bills of small dignity for the convenience of reproduction. Interestingly, employees of the collection service can engage not only money, but also important documents.

How to collectation is carried out

Cash collection saves the company's working time. Employees who transferred cash collectors will cease to bear responsibility for them, which means get rid of extra headaches. To get even greater savings, some firms working under the same roof conclude with the collection service joint contract. It is convenient if companies operate on one schedule, and the service, thus costs everything cheaper. Preparation necessary documents The company enters the obligations of the cashier, on its shoulders filling the papers and interaction with the collector.

Preparation of documents for collectors is performed by a cashier that is responsible for the completeness and timeliness of paperwork.

Collection passes according to the following scheme:

1. A graph of the movement of the collector machine, which is coordinated with companies is drawn up.
2. The attendant collection officer fills in a special card, which is given to the credit institution.
3. Next, he gets a stamp, power of attorney for transportation and keys.
4. The responsible worker of the company before the transfer of money makes the collection documents that confirm his right to dispose of money. In the test card, you are prescribed: bag number, name and address of the company, code, phone.

The rules for conducting collection require that the employee of the company (usually this cashier) presented such documents:

• Patch to the bag.
• Recipment to the bag.
• Silver seal.

The cashier should be close to the collector at the time of checking the seals to integrity, check the correctness and accuracy of filling out documentation. If an error is made when filling out a turn card, it can be fixed and confirmed by the loyalty to the feed rate of the cashier. If an employee refuses to take a bag with money, then writes the word "refusal" in a special column. The accompanying documents in this case confirm that the responsibility for safety has not switched from the company to collectors.

After the bag is delivered to the bank, bank employee Checks the records that have contemptive documents. He checks the bag for damage, watching the seal and matching the number on the bag that is registered in the invoice. If the requirements are observed, the bank's employee accepts cash. At the end, collectors hand over stamp, keys, power of attorney and cards. This is completed on this process. Collection for individuals, in essence, passes similarly. This is how the paperwork is happening, and then the process of transporting funds.

Transfer money from the organization's office to the bank with the help of collection is the most proven and reliable way. For cash, such transportation will be safe and fast. The main thing is to fill out true all the documentation.

Commercial banks carry out the collection and delivery of their funds and values, as well as funds and values \u200b\u200bof customers with their own or on the contractual conditions through specialized collection services that have a license of the Bank of Russia to conduct collection operations.

Employees of collection divisions must be provided with special individual protective equipment. The head of the collection unit is responsible for organizing the delivery of values, creating conditions that ensure the safety of transported values \u200b\u200band the security of the collector brigade.

The quantitative composition of the collector brigade depends on the volume and complexity of operations. The head of the collection division issues a power of attorney for receiving and delivering values, printing, cigarette cards, empty bags to receivion of the senior brigade.

Reinforcement by cash and operating cash desks outside the cash junction commercial Bank produces on the basis of their applications. The cash and other values \u200b\u200bsent through collectors are made up separate inventory in three copies, certified by the signature of the bank head office and the seal. The first instance of the inventory is sent to the recipient, the second remains in the sender bank, the third after performing the task is transmitted by the collection division. Then, cash and other values \u200b\u200bare packaged and bags and silent under the control of the head of the cashier. In the reception of money and values, the senior team of collectors is signed in the expenditure order and on the second instance of the OPI.

Reception of money and other values \u200b\u200bdelivered by collectors are carried out by the recipient's head office with checking the correctness and intend to package and seals. If the packaging is damaged, the cash is recalculated in the presence of collectors. The result of the recalculation is drawn up with an appropriate act signed by all persons present at the reception and recalculate money and values. At the end of the receipt of money and values, the recipient's cashier head and the senior brigade of collectors are signed in the first and third instance of Obia. Accepted money is credited to the reception office at the parish order.

Bank cash regulations take customer revenue from collectors in collector bags. In the collection division to work with clients, a list of organizations serviced by collectors are conducted. Organizations are in the bank samples of impulse of the seals, which will be seized bags. The number of numbered bags issued by customers is determined by the volume of accountable revenue. The frequency of service and the time of arrival are set by the Bank in coordination with customers. Bank Customer Cassier To each handbag surrendered by the collector with cash cash issues a transmitted statement in three copies. The first copy of this statement is invested in the bag, the bag is seal; The second copy is the invoice to the bag - is transmitted to the collector when they receive the bag; The client remains the third copy - a copy of the transmitting statement, in which, after checking the correctness of the completion of documents and packaging the packaging, the collector signs and puts the collector stamp.

In cases of detection of the disorder of the intentions of the bag or incorrect paperwork, the reception of values \u200b\u200bis terminated. In the presence of the collector, only those errors and defects are eliminated, the correction of which does not violate the schedules of the application of collectors. In other cases, the reception of money and values \u200b\u200bfrom the organization is carried out in re-arrival. Collection of cash from branches, operating cash desks outside the banking unit of the Bank is carried out on the basis of a transmitted statement in the foregoing procedure. At the end of arrival, collectors hand over bags with cash and bank cash desk in the prescribed manner.

Acceptance of the Cashier Cassome Bank of Bags with money and values \u200b\u200bfrom collectors is made in their presence. Accepted bags are registered in a special journal, the number of issued and received bags is merged. Then the second instance of the transmitting statement is the overlap with the bag for rent in the cash register. Money is recalculated and prepared for passing cash regulations. The overhead is transmitted by the operator, the transmittory statement remains at the checkout. If, when opening the bag, the shortage or excess cash is detected, then the act is drawn up, the client is called, which signs the act.

The amount of money delivered by collectors during the operational day of money and values \u200b\u200bis made at the receipt order. Bags with cash and other values \u200b\u200bdelivered to the bank at the end of the operating day, surrender to the evening cash register or, in its absence, are stored under the responsibility of collectors.