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Payments in rubles. Money transfers and RKO Transactions with non-cash funds

BASIC RATES of the Head Office of JSC AB RUSSIA for transactions in foreign currency Russian Federation For legal entities(except for credit organizations) ind. entrepreneurs and individuals persons engaged in private practice (Valid from December 23, 2015; for clients opening separate accounts of the Head Contractor, Contractor of the State Defense Order from December 9, 2015)
(pdf document, 584.93 Kb)

BASIC RATES of the Head Office of JSC AB RUSSIA for transactions in the currency of the Russian Federation for legal entities. persons (except for credit organizations) ind. entrepreneurs and individuals persons engaged in private practice (Valid from 07/04/2017)
(pdf document, 626.65 Kb)

BASIC RATES OF THE HEAD OFFICE OF JSC AB RUSSIA for transactions in the currency of the Russian Federation for legal entities. persons (except for credit organizations), ind. entrepreneurs and individuals persons engaged in private practice (Valid from 05/01/2015)
(pdf document, 568.56 Kb)

BASIC RATES of the Head Office of JSC AB RUSSIA for transactions in the currency of the Russian Federation for legal entities (except for credit organizations) ind. entrepreneurs and individuals persons engaged in private practice (Valid from 01.10.2015, for clients opening separate accounts of the Head Contractor, Contractor of the State Defense Order from 18.09.2015)
(pdf document, 185.17 Kb)

BASIC RATES OF THE HEAD OFFICE OF JSC AB RUSSIA for settlement and cash services in the currency of the Russian Federation and in foreign currency for legal entities (except credit organizations), individual entrepreneurs and individuals engaged in private practice in accordance with the legislation of the Russian Federation - Clients of JSC AB RUSSIA who opened accounts before 06/01/2014 (inclusive)
(pdf document, 589.78 Kb)

BASIC RATES OF THE CENTRAL and MOSCOW BRANCH OF JSC AB RUSSIA for transactions in the currency of the Russian Federation for legal entities. persons (except for credit organizations), ind. entrepreneurs and individuals persons engaged in private practice (Valid from 05/01/2015)
(pdf document, 578.45 Kb)

BASIC TARIFFS OF THE CENTRAL and MOSCOW BRANCH OF JSC AB RUSSIA for settlement and cash services in the currency of the Russian Federation and in foreign currency for legal entities (except credit institutions), individual entrepreneurs and individuals engaged in private activities in accordance with the legislation of the Russian Federation practice - Clients of JSC AB RUSSIA who opened accounts before 06/01/2014 (inclusive)
(pdf document, 596.41 Kb)

TARIFF PLAN "CORPORATE" for transactions in the currency of the Russian Federation for legal entities (except credit institutions) operating in the fuel and energy industries and their subsidiaries, as well as for holdings and corporations, Clients of JSC AB RUSSIA (Valid from 10/24/2017)
(pdf document, 522.72 Kb)

“COMMUNICATION” TARIFF PLAN for transactions in the currency of the Russian Federation for legal entities (except credit institutions) engaged in the provision of mobile and fixed-line communication services, Internet access and cable TV, Clients of JSC AB RUSSIA (Valid from 10/24/2017 .)
(pdf document, 630.72 Kb)

If there is a solution tax authority the suspension of all debit transactions on a current account is possible:

transfer or issuance of funds for settlements of wages with persons working under employment contract(contract);
transfer of funds to pay taxes (advance payments), fees, insurance premiums, relevant penalties and fines in budget system RF.

But these operations cannot be carried out if there are unexecuted orders for the account of the same queue that were received earlier, as well as orders from higher priority queues. Funds are written off from the current account in the order established by Article 855 of the Civil Code of the Russian Federation or Art. 134 of Federal Law No. 127-FZ “On Insolvency (Bankruptcy)”, if the company is at any stage of bankruptcy.

Operational day for payments in rubles

Operation day- this is the time during which Alfa-Bank accepts and executes your payments.

Operational day for ruble payments via Internet banking (local time)

Type of operation

Time

Receiving payment orders via Internet banking

from 01:00 to 23:30

Execution of intrabank transfers via Internet banking

Execution of external transfers via Internet banking/through the Perspective Payment System of the Bank of Russia (PPS) on the current day*

* The conditions and procedure for providing the service are determined by the tariffs of Alfa-Bank.

Operational day for ruble transfers on paper

Type of operation

Time

Acceptance of payment orders on paper for execution of intra-bank transfers on the current day

Acceptance of payment orders on paper for execution of external transfers the same day

Non-cash payments using the urgent transfer service

Service urgent translation allows you to make urgent ruble payments in payment system Bank of Russia. Previously it was called BESP.

The main advantage of the service is speed. Payments are executed around the clock and immediately upon receipt into the payment system of the Bank of Russia. This means that the money will be transferred to the recipient’s account virtually in real time.

To send a payment through the urgent transfer service, when making a payment, indicate “URGENT” in the “Type of payment” field. A fee will be charged for such a payment as an urgent one. Also in the Alfa Business Online Internet bank you can receive information about the crediting of such a payment, if the recipient’s bank provides such information, after execution the payment will receive the status “Credited to the recipient.”

Please note: payments in the amount of more than 100 million rubles can be executed in the payment system of the Bank of Russia only through the urgent transfer service. But if such a payment does not have the “URGENT” sign, the bank can send it through other bank correspondent accounts, and the payment will be executed in the standard mode. Wherein additional commission Sending an urgent payment is charged only if there is an “URGENT” mark on the payment order.

To successfully make a payment in rubles, it is important to correctly fill in the details of the payment order.

A few tips to help you

Be sure to indicate the current account, TIN and name of the recipient. You can check them directly with the recipient of the funds. Incorrect indication of the recipient's details may lead to a delay in crediting funds, or the payment may be canceled or returned by the recipient's bank.
In the purpose of payment, be sure to reflect the essence of the transaction (for what exactly the payment is being made), indicate the name of the service/product being paid, the number and date of the contract/commodity documents, and other necessary information. Also be sure to include information about the availability of VAT.
Correctly fill out the details in budget payments - the “Rules for filling out budget payments” will help you with this.

PDF Rules for filling out a budget payment 1.4 MB

Documents and information letters

How to fill out a payment in rubles

Clarification of payment details

Information letter “Rules for filling out details 107 when making payments to customs authorities”

When paying customs and other payments administered by customs authorities, be sure to indicate the code in detail 107 customs authority, which administers the payment, in accordance with the directory. Otherwise, these payments will be considered unpaid, since they cannot be identified in the State information system on state and municipal payments (GIS GMP). This may lead to delays in customs clearance and release of foreign trade goods.

Information letter “On making payments to a bank with a revoked license to repay loan debt”

When making a payment in Russian currency to a bank with a revoked license in payment of debt on a loan issued by the bank before the license was revoked, we recommend filling out the details of the payment order, taking into account the following:

in detail 13 “Recipient's bank” indicate the name and location of the bank with the revoked license,
in detail 14 “BIC” - bank identification code (BIC) of the bank with a revoked license,
in detail 15 “Account number of the recipient's bank” - the number of the correspondent account of the bank with the revoked license,
in detail 16 “Recipient” - the name of the bank with the revoked license,
in detail 17 “Account number of the recipient of funds” in a paper payment is not filled in / is filled in according to the Internet banking settings,
In detail 24 “Purpose of payment” the information is indicated in the following sequence:
- the borrower's account number, which the borrower indicated as the recipient's account when repaying the loan before the bank's license was revoked, symbol "//",
- account number opened by the temporary administration (bankruptcy trustee) for the purpose of repaying the loan by the borrower (if the borrower has information about it), symbol “//”,
- purpose of payment (“loan repayment”), information about the borrower, number and date loan agreement, payment period and other additional information that allows you to identify the payment.

Information letter “On indicating UIP in payments in rubles, if the recipient’s account number is 40822”

If, when making a payment in rubles, the recipient’s account number indicates balance account 40822 (number bank account, opened for the purpose of identifying the payment), in detail 22 “Code” you must indicate a unique payment identifier (UPI). The UIP is assigned by the recipient of funds and is communicated by the recipient of funds to the payer in accordance with the agreement.

Payments in which the recipient's account number indicates balance account 40822, and in detail 22 “Code” the UIP is not specified or the UIP is incorrect, will not be executed.

The specified procedure for processing payments is determined by the requirements of Appendix No. 12 of Bank of Russia Regulation No. 383-P dated June 19, 2012 “On the rules for making transfers” Money».

Information letter “On the peculiarities of processing payments for housing and communal services”

When making payments for housing and communal services (HCS), we recommend indicating:

in detail 22 “Code” - Payment Document Identifier (PDI), including a single personal account (USA) and an identifier for housing and communal services (if available),
in detail 61 “recipient’s TIN” - recipient’s TIN,
in detail 103 “Recipient’s checkpoint” - recipient’s checkpoint,
in detail 24 “Purpose of payment” - the payment period and identifiers from the payment receipt/personal account on the website https://dom.gosuslugi.ru can be indicated, for example: the number of the payment document for which the payment was made; personal account; CODE; ELS; another service consumer identifier assigned to the payer for the purpose of making payment payments.

When specifying IPD in detail 22 “Code”, ULS and Housing and Communal Services Identifier may not be indicated.

Information letter “On changing the number of digits in the OKTMO code”

When processing payment orders for the payment of taxes, fees, insurance premiums and other payments to the budget system of the Russian Federation in detail 105 “OKTMO” you must indicate 8 digits of the OKTMO code. You cannot specify 11 digits.

If the incorrect OKTMO code value or “0” is indicated in detail 105 “OKTMO”, the payment will not be identified by the budget revenue administrator.

Information letter “On the indication of VAT in the purpose of payment”

From January 1, 2019, the requirements for calculating the VAT rate have changed. However, the rules for indicating VAT in the purpose of payment remain unchanged - information about the presence of VAT is required.
The correctness of VAT calculation is not within the bank's area of responsibility - the bank does not check the correctness of VAT calculation and the applied rate. Please be careful when filling out the payment details.

The accounts of the Federal Treasury Departments in budget payments have changed

Dear clients, with February 4, 2019 when making budget payments to the Federal Treasury Department (UFK), indicate new number UFK account in the line “Recipient's account number”.

New UFK account numbers are posted on the websites of the Federal Treasury http://roskazna.ru/novosti-i-soobshheniya/novosti/1354136/ and the Federal tax service https://www.nalog.ru/rn77/about_fts/about_nalog/8287203/ . The remaining account numbers and UFK details do not change.

Please do not forget to indicate new account numbers in the templates that you use to transfer funds to the UFK.

Payments from old accounts received after February 1 will be returned to your account only after the payment is rejected by the Bank of Russia. To avoid delays in returning payments recorded in the order queue, recall such payments yourself. To do this, send a letter via Internet banking or provide the branch with a letter about the withdrawal of the payment indicating its number, amount and date.

Clarification of the rules for filling out the budget payment

Dear Customer!

Correctly filling in the budget payment details is very important not only for the payment to be executed, but also for recording the payment for this payment in the State Information System on State and Municipal Payments (GIS GMP).

We remind you that the rules for filling out details of budget payments and the application form for sending clarification to the GIS GMP are posted on the Bank’s website:

Small business and individual entrepreneurs -
Medium and large business -

Also, when making a budget payment, pay attention to such features.

In the details “Purpose of payment” and “Recipient”, indicate at least 2 characters. It is important not to put spaces at the beginning or end.
When paying fines for traffic violations:
- be sure to indicate a unique accrual identifier (UIN) in detail 22 “Code”. The UIN corresponds to the number of the Resolution in the case of administrative offense, or specified in the Resolution. If an incorrect UIN or “0” is indicated in the payment for a fine, the fine will be considered unpaid in the GIS GMP.
- Code budget classification(KBK) in the requisite “104” should not coincide with the Code Unique identifier accrual (UIN) in detail “22”.

Once again, we draw your attention to the fact that budget payments processed with errors will not be taken into account in the GIS GMP.

Sincerely,
Alfa Bank.

Settlement cash service provided to RNKO clients - individuals without opening a current account. The depositor has the right to give instructions to make non-cash transfers from his account. May provide an opportunity to manage your own current account to another person by proxy. Withdrawal and crediting of funds to the account are not limited either in amounts or terms.

RNKO charges a commission for conducting transactions on the account.

Interest on the deposit account is accrued in accordance with the tariffs for servicing individuals.

Tariffs of JSC RNKO "Synergy", valid from 05/28/2018.

Transfers in foreign currency
Transfers to Euros without opening an account / transfer from an account	0,75 % from the transfer amount, no less 45 EUR, but not more 100 EUR
Transfers in US Dollars without opening an account / transfer from an account	0,75 % from the transfer amount, no less 25 USD, but not more 100 USD

Transfers and payments via the "Contact" system
Payment of a transfer received in foreign currency	1% from the transfer amount
Currency conversion in the amount of the deposit and % on the deposit into the currency of the Russian Federation	At the rate of purchase of cash foreign currency JSC RNKO "Synergy"
Conversion of Russian currency in the amount of the deposit and % of the deposit into foreign currency	At the rate of sale of cash foreign currency JSC RNKO "Synergy"
Purchase, sale, conversion of foreign currency	According to the Bank's rate
Bank commission for purchasing damaged banknotes foreign countries	20% of the amount of damaged banknotes of foreign countries, in rubles at the rate of the Central Bank of the Russian Federation

Transfers in rubles
Fee for maintaining a demand account/current account in the absence of client transactions on the account for 2 years**: - for deposits/current accounts in rubles - for foreign currency deposits	500 rubles monthly* equivalent to 500 rubles monthly*
Transfer without opening an account / transfer from an account	Before 4000,00 rubles – 40 rubles Over 4000,01 rubles – 1% from the transfer amount, but no more 3000 rubles
Transfer of funds for taxes and fees to the budget	For free
Transfer without opening an account to repay interest and loans of JSC RNKO Synergy	For free
Preparation of an application form for the transfer of taxes and fees on behalf of the client	40
Making payments using the BESP system	100 rub. for one payment
Sending/paying a transfer using the Western Union system	According to the tariffs of NPO Western Union DP Vostok LLC
Transfers and payments via the Contact system	According to the tariffs of LLC NKO "Rapida"
Transfer of individuals without opening an account in favor of School Card LLC	For free
Transfer to pay for major repairs	1 %
Transfer in favor of JSC Saratovenergo, SPGES, NESK	1 % from the transfer amount, minimum 15 rubles per payment
Transfer in favor of SarRC	1 % from the transfer amount, minimum 20 rubles per payment
Transfer in favor of the ERCC using the Rapida system	25 rubles from one payment
Transfers and payments via the Rapida system	According to the tariffs of LLC NKO "Rapida"
Transfer without opening an account in Russian rubles in favor of legal entities (individual entrepreneurs) with whom agreements have been concluded on the procedure for interaction when transferring funds from individuals: To pay for utilities To pay for major repairs	20 rubles from one payment 20 rubles from one payment
Transfer of funds from a deposit/current account received under the terms of a loan agreement with the Bank to the recipient’s account with a third party credit organization in accordance with intended purpose granted loan	For free
Issuance of cash funds received by RNKO Synergy JSC to deposits (accounts) of individuals by bank transfer per month:	- up to 500,000 rubles – 0.5% of the amount; - from 500,000 to 1 million rubles – 1% of the amount; - from 1 million rubles – 3% of the amount By specified operations RNKO reserves the right to change the tariff up to 10% with mandatory notification
Issuance of funds received to deposits (accounts) of individuals by non-cash means as: a) social payments from budgetary organizations(pensions, scholarships, allowances, subsidies and equivalent payments), b) refund of overpaid (collected) taxes, fees, penalties and fines in accordance with the legislation on taxes and fees	For free
Intra-bank transfer of funds from individual accounts/without opening an account	30 rubles
Receipt of cash for transactions related to mortgage lending	For free
Issuance of a certificate on the availability, movement, balances of funds and provision of other information on the accounts of individuals	50 rubles
Issuance of other certificates at the request of the client	50 rubles (including VAT provided for by the legislation of the Russian Federation)
Issuance of duplicates of payment documents and account statements	50 rubles
For the restoration of a lost deposit book	25 rub. for 1 piece
Exchange of Bank of Russia banknotes of one denomination for banknotes of another denomination	0,5% from the exchange amount, not less than 100 rubles.

Relay for monitoring the shutdown circuit RKO rocket and space defense military, space. Dictionary: Dictionary of abbreviations and abbreviations of the army and special services. Comp. A. A. Shchelokov. M.: LLC Publishing House AST, CJSC Publishing House Geleos", 2003. 318 p. RKO Russian... ... Dictionary of abbreviations and abbreviations

RKO- an abbreviation that has the following meanings: RKO rocket and space industry RKO rocket and space defense RKO Republic of the Comoros RKO cash settlement services RKO expendable cash order RKO cash settlement department... Wikipedia

RKO- radio control of the orbit, district utility department, rocket and space defense, settlement clearing operation, settlement clearing organization, shutdown circuit control relay... Dictionary of Russian abbreviations

Vecherko, Valentin Grigorievich- Wikipedia has articles about other people with the same surname, see Vecherko. Vintsuk (Valentin) Grigorievich Vecherko Belor. Vintsuk (Valantsin) Rygoravich Vyachorka ... Wikipedia

Vecherko, Frantisek Valentinovich- Check neutrality. There should be details on the talk page. Wikipedia has articles about other people with this surname, see Vecherko ... Wikipedia

Valentin Vecherko

Valentin Grigorievich Vecherko- Vintsuk (Valentin) Grigorievich Vecherko (Belorussian. Vintsuk (Valantsin) Ryhoravich Vyachorka) Belarusian politician and leader of the Belarusian Popular Front Party from 1999 to 2007. Valentin Vecherko was born on July 7, 1961 in Brest. Father was assistant to the First Secretary of the Communist... ... Wikipedia

Vecherko V. G.- Vintsuk (Valentin) Grigorievich Vecherko (Belorussian. Vintsuk (Valantsin) Ryhoravich Vyachorka) Belarusian politician and leader of the Belarusian Popular Front Party from 1999 to 2007. Valentin Vecherko was born on July 7, 1961 in Brest. Father was assistant to the First Secretary of the Communist... ... Wikipedia

Vecherko V.- Vintsuk (Valentin) Grigorievich Vecherko (Belorussian. Vintsuk (Valantsin) Ryhoravich Vyachorka) Belarusian politician and leader of the Belarusian Popular Front Party from 1999 to 2007. Valentin Vecherko was born on July 7, 1961 in Brest. Father was assistant to the First Secretary of the Communist... ... Wikipedia

Vecherko, Valentin- Vintsuk (Valentin) Grigorievich Vecherko (Belorussian. Vintsuk (Valantsin) Ryhoravich Vyachorka) Belarusian politician and leader of the Belarusian Popular Front Party from 1999 to 2007. Valentin Vecherko was born on July 7, 1961 in Brest. Father was assistant to the First Secretary of the Communist... ... Wikipedia

Vecherko Valentin Grigorievich- Vintsuk (Valentin) Grigorievich Vecherko (Belorussian. Vintsuk (Valantsin) Ryhoravich Vyachorka) Belarusian politician and leader of the Belarusian Popular Front Party from 1999 to 2007. Valentin Vecherko was born on July 7, 1961 in Brest. Father was assistant to the First Secretary of the Communist... ... Wikipedia

17Jun

Hello! In this article we will talk about bank services that provide settlement and cash services for individual entrepreneurs, LLCs and even individuals.

Today you will learn:

What is included in RKO;
Who is it intended for and what problems does it solve?
How to choose a bank;
How to open a cash register service on your own.

What is cash management services?

Settlement and cash services clients (or abbreviated RKO) is a system of services provided by the bank and. RKO regulates all monetary transactions, transfers of funds to business partners, suppliers, and receipt of settlements from clients.

RKO – set banking services on the storage and movement of funds of the enterprise.

The essence of RKO is in the management and implementation of it financial transactions. Unlike a current account, a current account allows its owner not only to store finances, but also to manage them to conduct commercial and non-commercial activities.

Each bank sets its own service rates.

After the client concludes with financial institution agreement on cash settlement services, the bank takes over the management of all monetary transactions customer.

These include:

Non-cash and cash payments;
Generating account statements.

RKO for individuals

It is customary to talk about settlement and cash services in the aisles of services for enterprises and businessmen; on bank websites, tariffs for cash settlement services are most often located in the “Legal Entities” section.

Therefore, it is widely believed that RKO is a service for enterprises. But theoretically, individuals can also act as consumers of cash settlement services. They can also enter into an agreement with the bank to use their personal account for non-commercial purposes. For example, for non-cash payment of utility bills.

For citizens, RKO implies the following functions:

Account replenishment and cash withdrawal;
Non-cash payments;
Internet banking.

Often settlement services for individuals are paid by commission on specific transactions, but some banks offer separate tariffs, service packages from the “All Inclusive” area, for which a monthly subscription fee is set.

Document flow

A financial institution providing cash settlement services interacts with clients through certain documents.

The most common ones are:

Payment orders for non-cash payment of bills;
Forms for depositing cash into an account;
Checkbook and checks, which are issued upon receipt of cash at the cash desk;
Statements as a means of controlling expenses and receipts.

Legal regulation of RKO

Legally, the activities of RKO are regulated Civil Code RF, Federal Law"About banks and banking"and various provisions of the Central Bank of Russia.

The relationship between the parties is governed by an agreement, the conclusion of which is a mandatory condition for the provision of the service.

Any legal entity or individual entrepreneur. At the same time, the form of ownership and money turnover does not matter.

According to the law, each organization or entrepreneur can have as many current accounts as they need to carry out their work.

As part of the agreement with the client, the bank providing cash settlement services undertakes, at the consumer’s request, to credit his funds to the current account, store them, issue and make payments and money transfers.

In what cases should you use RKO services?

In any business you can’t do without RKO if you need:

Transfer money to a non-cash account;
Transfer of salaries by bank transfer;
Withdrawing and receiving non-cash transfers;
Receiving statements by non-cash account.

Organizing settlement and cash services for an LLC or individual entrepreneur is a common procedure for most financial institutions. For the bank this is another source of income, and for the client company it is a simplification of financial transactions.

Advantages of RKO

Why enter into an agreement with a bank if you can store money in your safe and pay non-cash bills through a bank operator?

Cash settlement services in a bank would not be so popular if it did not have its advantages:

Fast and accurate financial transactions;
Operational service;
Consultations with specialists;
Providing up-to-date information about the account status and transactions performed;
Guarantees from the bank regarding the confidentiality of commercial information and the safety of funds entrusted to it.

Thus, the bank is able to solve many problems in the financial life of an enterprise. RKO allows you to save time and sometimes money.

Components of RKO

Cash management services are not just about maintaining a current account. This is a whole range of services that banks provide to the best of their ability and at individual rates.

From the package of services offered by the bank, entrepreneurs can choose the most suitable moments at reasonable prices.

Cash transactions

Cash settlement services always include accepting cash from an entrepreneur. You can top up your current account in some banks only through a cash desk in the office, in others - through ATMs (with self-collection cards).

To withdraw cash from your account, there are two options:

Checkbook. It is issued at the bank, according to which the account holder can receive funds at the bank’s cash desk for employees or for other needs.
Corporate bank card. Allows you to receive cash through an ATM. At the same time, all transactions are also formalized and recorded by the bank.

For organizations with a large cash turnover, the bank can include collection services in the cash settlement package.

Transactions with non-cash funds

Within the framework of cash settlement services, the bank undertakes to carry out the client’s instructions regarding the movement of non-cash funds, timely provide information on cash receipts and disposals, generate statements (information about the results of financial transactions).

A bank client can submit his instructions for carrying out monetary transactions in the classic way - with printed payments through an operator at the bank, or using Internet banking, which is becoming increasingly popular not only due to convenience, but also due to competitive tariffs (it is also more profitable for the bank to accept payment orders via the Internet and do not have a large office and a staff of tellers).

Acquiring

And - additional services that are part of the cash settlement system, allowing the company to accept non-cash payments from individuals (via bank cards).

This service is provided for a fee and, as a rule, the bank takes a certain commission for accepting non-cash payments.

For acquiring at a retail outlet, you will need to purchase or rent a special terminal (some banks provide it for free); in Internet acquiring, no additional equipment is required; it is replaced by an electronic form filled out by the buyer.

Currency operations

For companies planning to work not only with Russian rubles, but also with foreign currency, banks include additional services in cash settlement services:

Purchase and sale of currency;
Sale of the obligatory part of foreign currency earnings;
Conversion;
Receiving payment in foreign currency from foreign clients;
Payment of foreign currency bills.

A foreign exchange account consists of three accounts:

To manage the available currency – a current account;
To account for income – transit;
To account for purchased currency.

How to open a cash settlement in a bank

Opening an account for cash register services is becoming easier every year. Today you can book a current account through the bank’s website and accept payments to it on the same day.

In total, the procedure for opening an account consists of several stages:

Selecting a bank;
Select a tariff (if there are several);
Collection and provision of documents;
Concluding an agreement, drawing up a card with signatures and a seal (if available).

Depending on the bank, the entire procedure may take 1-5 days.

Documentation

The list of documents required to open an account can be obtained from financial institution. Banks have the right to establish their own procedure for servicing, opening an account and the form of documents.

Minimum package of documents:

Statement of intent to open an account;
Identity document (passport and quite often -);
If available - or organization;
Documents confirming state registration organization or individual entrepreneur ().

For legal entities, other documents may be required.

For example:

, certified by the seal of the tax service;
Protocol on the establishment of the company and the appointment of a director;
Documents for legal address(, certificate of ownership);
If available, a constituent agreement, licenses, if the type of activity is subject to mandatory licensing.

In which bank to open a cash settlement

Below is a list of banks and the benefits of working with them. The selection of banks was carried out by collecting reviews.

Tinkoff

This bank gained fame not so long ago, but now it is in a stage of active growth and development. Tinkoff does not hesitate to attract new customers through lucrative offers and promotions, inexpensive tariffs and delight its regular partners with new upgrades.

You can open an account at official website of the bank in 5 minutes.

The range of services is quite wide: lending, acquiring, Internet banking, SMS notification system, and so on.

Monthly service – for individual entrepreneurs the first 3 months are free, then – from 490 rubles;
Money transfers– from 29 rubles per payment, or unlimited payments for 990 rubles per month;
Depositing funds into the account - depending on the tariff: 299 rubles for any amount or 0.25%, or unlimited deposit for 1990 rubles per month;
Commission for cash withdrawal: up to 100,000 rubles – free, large amounts– from 1%.

Sberbank

Covers the widest range of banking services. Works with both individuals and legal entities.

You can open an account at official website of the bank.

Tariffs and additional services are calculated for both large enterprises, and for beginning businessmen. In addition, the geographical area covered is wide.

Sberbank branches and its ATMs are located even in small towns and villages.

The Sberbank Business Online system allows you to maintain several current accounts at the same time, and it is convenient to manage it through a mobile application.

The Sberbank Advisory Center provides round-the-clock support to its clients.

One-time payment for opening an account – from 1500 rubles;
Money transfers: electronically – from 32 rubles per payment, on paper – from 300 rubles;
Cash withdrawal fee: at wages– from 0.6% of the amount, for other needs – from 1.4%.

Modulbank

This bank operates on the basis of Regional Credit, which has been known on the market for more than 20 years. It works only with representatives of small businesses, and accordingly offers services that are beneficial to them.

You can open it at official website of the bank in 5 minutes.

One-time payment for opening an account – 0 rubles;
Monthly maintenance – 0-3000 rubles;
Money transfers: electronically – from 0 to 90 rubles per payment;
Depositing funds into your account is free on most tariffs;
Cash withdrawal fee – 0-15%.

Dot

A modern bank with a youthful spirit and first-class service, created on the basis of the well-known Otkritie Bank. Convenient online payments, round-the-clock transfers from minimum commission. Each region has its own tariffs, so the cost of services may vary significantly.

You can open an account at official website of the bank in 5 minutes and start using it! This is great!

One-time payment for opening an account – 0 rubles;
Monthly maintenance – from 500 to 7500 rubles;
Money transfers: for legal entities - depending on the tariff, from five payments free of charge, and then from 30 rubles per transfer; for individuals - free up to 500,000 for individual entrepreneurs and up to 70,000 for;
Depositing funds into your account is free through Otkritie Bank ATMs;
Commission for cash withdrawal is free up to the amount determined by the tariff (from 10,000 rubles).

Promsvyazbank

It is among the 500 largest global banks (according to The Banker magazine), in Russia it also occupies a leading position in terms of customer coverage, and is among the top 3 private banks.

One-time payment for opening an account – from 590 rubles;
Money transfers – 0-110 rubles, depending on the tariff;
Depositing funds into the account – from 0.5% of the amount;
Commission for cash withdrawal – from 0.2%.

More details at official website of the bank.

Alfa Bank

All services on a non-cash account can be carried out through the online account. You can hold several accounts at the same time, and in different currencies. The bank provides additional services (for example, lending) in full.

One-time payment for opening an account – 0 rubles;
Monthly maintenance – from 850 rubles;
Money transfers: electronically - from 30 rubles per payment, on paper - from 0.1% of the amount;
Depositing funds into the account – from 0.3% of the amount;
Commission for cash withdrawal: for wages - from 0.5% of the amount, for other needs - from 2.5%.

You can open an account at Alfa-Bank official website.

Gazprombank

The bank provides services to key sectors of the domestic economy (oil, gas, energy, metallurgy, mechanical engineering, and so on). One of the largest banks not only in Russia, but also in Europe.

Monthly maintenance – from 600 rubles;
Money transfers: electronically – from 30 rubles per payment, on paper – from 200 rubles;
Depositing funds into the account – from 0.02% of the amount;

Uralsib

The main direction of the bank is retail and corporate business. The head office is located in Moscow, 6 branches and 280 sales points have been established throughout the country.

One-time payment for opening an account – 1800 rubles;
Monthly maintenance – from 1000 rubles;
Money transfers: electronically – from 10 rubles per payment, on paper – from 50 rubles;
Depositing funds into the account – from 0.3% of the amount;
Commission for cash withdrawal: for wages - from 0.5% of the amount, for other needs - from 1%.

Binbank

Opened 23 years ago, it continues to grow and develop actively. The bank puts trusting relationships with clients first and receives a lot of positive feedback in return.

One-time payment for opening an account – 0 rubles;
Monthly maintenance – from 1500 rubles;
Money transfers: electronically – up to 0.3% (minimum 19 rubles), within the selected package there can be from 10 free transfers;
Commission for cash withdrawal is 1%.

VTB

VTB is a group financial enterprises, which includes about 20 banks. The most famous of them is VTB24. The main shareholder of the bank is the state, which gives the bank additional reliability.

One-time payment for opening an account – 1000-4500 rubles;
Monthly maintenance – 1000-2500 rubles;
Money transfers: electronically – from 5 rubles per payment, on paper – from 250 rubles;
Depositing funds into an account – from 0.08% of the amount;
Cash withdrawal fee – from 0.5% of the amount.

Details at VTB official website.

Vanguard

Once one of the most popular banks, it is now beginning to lose ground, unable to keep up with modernization. Suitable only for those clients who are used to doing everything the old fashioned way, without using mobile banking and SMS notifications.

Monthly maintenance – from 900 rubles;
Money transfers: from 25 rubles per payment;
Depositing funds into the account – from 0.3% of the amount;
Cash withdrawal fee – from 1.2%.

Rosselkhozbank

The bank was established in 2000 for the agro-industrial sector and Agriculture. Today it is a universal bank providing a wide range of services to private clients and businesses. One hundred percent of the voting shares of the enterprise belong to the state.

One-time payment for opening an account – 2500 rubles;
Monthly maintenance – from 750 rubles;
Money transfers: electronically – from 6 rubles per payment, on paper – from 250 rubles;
Depositing funds into the account - as agreed by the parties;
Cash withdrawal fee depends on the region.

Rosbank

Founded in 1993, the head office is located in Moscow. Has the status universal bank, is part of the international financial group Societe Generale.

One-time payment for opening an account – free of charge when registering via the Internet;
Monthly maintenance is free for the first three months, then from 700 rubles;
Money transfers: electronically – from 30 rubles per payment, on paper – from 250 rubles;
Depositing funds into your account – no commission;
Commission for cash withdrawal – from 1%.

Post Bank

Bank from the VTB group. Created on the basis of Leto Bank in 2016. The main goal of the bank is to increase accessibility financial services for residents of our country, the bank especially focuses on pensioners. The bank currently provides settlement and cash services only to individuals.

Release bank card- for free;
Monthly maintenance is free;
Money transfers: up to 0.8%;
Depositing funds into your account – no commission;
Cash withdrawal fee – no commission.

AK Bars

Registered in 1993. Provides more than a hundred different services to both private and to corporative clients(among which there are large enterprises in the field of oil and gas export).

One-time payment for opening an account – from 1000 rubles;
Monthly service – 400 rubles using Internet banking and 1200 rubles without using it;
Money transfers – from 50 rubles;
Depositing funds into your account is free;
Commission for cash withdrawals is on average 0.9%.

5 best banks for cash settlement services

From the entire list that you saw above, we settled on these four leaders in terms of price-quality ratio:

Dot;
Tinkoff;
Modulbank;
Promsvyazbank.
Loko Bank.

How to choose a bank

You need to be very careful when choosing a bank. A significant part of the company’s work process depends on the quality and cost of RKO.

For some companies, the speed of transactions is important - quick payment of bills and prompt arrival of funds. For others, speed is not as important as low price, because when you have to perform many mandatory operations, a high commission can cause a significant blow to the budget.

What to pay attention to.

The bank must first of all be reliable. Every collaboration has its own risks. And if these risks exceed the benefits that the bank is able to offer, you should not take this option into account.

Bank reliability criteria can be:

The bank's reputation among former clients, in the media and on the Internet. Of course, you won’t find negative reviews on the bank’s official website, but on other resources, such as business forums, the Banki.ru portal, and so on, you can find real reviews and expert opinions.
Timing of monetary transactions. Some banks issue cash and make wire transfers on the day of application, while others only after 3-5 days.
Geographical location and accessibility of the branch and ATMs, work schedule. Of course, today there are also Internet banks that do not have their own offices, but for some operations, especially when working with cash, an accessible branch is required.
Wide range of services. It is much more convenient to perform all transactions in one bank. Whether the bank is ready to provide everything necessary services, you need to make sure in advance. For example, not all organizations make payments in foreign currency.
Tariffs, commission amount. Some tariffs are beneficial for frequent non-cash payments, others for cash withdrawals.

Not always large bank- means reliable. Even the whales of banking sometimes fall into debt and lose their license. At the same time, a little-known bank with a small number of branches can operate quite calmly and at the same time maintain a balance of its liabilities and assets.

An organization or individual entrepreneur choosing cash settlement services is not required to settle on one bank. If you don’t like something, or you receive a more advantageous offer, you can always close your current account, terminate the contract and enter into a new one with another bank. The law does not limit the number of current accounts per company, so you can cooperate with several banks at once.

Bank selection procedure.

Step 1. Selecting a list of required services.

To begin with, it is important to understand which of the cash register capabilities will be required in the company’s work. It is necessary to take into account the specific features of your activity.

How often will you need to make non-cash payments, accept incoming transfers, make collections or withdraw cash? The answer to these and similar questions will help you understand which lines in tariff plans special attention should be paid.

For example, for a store retail may require acquiring and frequent depositing of cash into the account, and convenient and inexpensive Internet banking.

Step 2: Prioritization.

Once the picture of the required RKO emerges, it is necessary to decisively and finally place emphasis. If you decide that you need a bank with a small commission for withdrawals, then do not deviate from your decision.

Sometimes banks lure customers advantageous offers And additional services, which aren't really that important.

Step 3. Selection of banks, review of tariffs.

Next, it is necessary to select several banks whose services best meet the previously identified requirements. From a huge number of organizations (and in Russia there are neither more nor less banks, but almost 800) you need to choose 2-3 that provide the services you are interested in at the best prices.

Step 4. Analysis of information about banks.

The package of services and tariffs suit you, but what about the geographical location, service, availability of ATMs and offices? At the final stage, we recommend studying as much as possible all available information, including customer reviews.

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