How to open a current account for an individual entrepreneur in Sberbank. How to open an account with Sberbank for an individual and legal entity

2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16

All domestic banks offer their customers to open an account for individual entrepreneurs. But there are many credit institutions. Which services should you use? To briefly answer this question, it is better to choose a budgetary institution. From this article you will learn how to open a current account for an individual entrepreneur in Sberbank.

Why is it needed at all?

The state does not prohibit business entities from operating without opening a bank cell. But it's very inconvenient. Although new technologies allow transfers through payment systems, they are not legalized. Accordingly, the tax authorities cannot track income and expenses on them, and large organizations simply will not take you seriously. Cash settlements with large volumes of transactions look suspicious. It is better to work through the bank. The current account for individual entrepreneurs contains details that can be reported to the partner for concluding an agreement. In addition, the presence of a bank cell greatly facilitates the work of employees of the financial department. And with the growth of activity volumes and the emergence of internationalpartners cannot do without the services of a credit institution. Therefore, it is better to immediately ask how to open a current account for an individual entrepreneur in Sberbank.

Choice

For those who do not understand credit institutions at all, it is best to use the services of a state institution. There are only two of them in Russia: VTB and Sberbank. Their employees are very scrupulous in everything related to the documentation that comes from customers. Therefore, the process of collecting certificates can take a long time. At the same time, it should be noted that such organizations are distinguished by the transparency of their activities: all work is carried out in strict accordance with the letter of the law. Therefore, in the event of cataclysms, money will be reliably protected. During the crisis of 1998, many entrepreneurs remained "afloat", as their funds were kept in Sberbank.

Opening a current account

After registering a legal entity, you must contact the FSS, FIU, IFTS and get certificates that the IP is registered. To conclude a current account agreement, you must provide to Sberbank:

- certificate of state registration of a legal entity;

- current account statement;

- a document confirming the authority of the director;

- notarized copies of the agreement and charter;

- a document confirming the authority of the chief accountant;

- signature cards;

- certificate of registration in the Pension Fund;

- a license that allows you to carry out activities;

- registrationcard;

- if it is not the entrepreneur who manages the funds, but a third party, then a power of attorney must be issued for him.

After submitting the application, the bank checks the documents, certifies the identity of the client, signs the contract and enters the data in the Registration Book. After these operations, you can start using the account. The legislation stipulates a period of one day for compliance with all formalities. In fact, transactions take place in real time. If a complete package of documents that meet the requirements is provided, the registration procedure takes approximately one hour. Here's how to open a current account for an individual entrepreneur in Sberbank.

Most often, the contract signed by the client includes the following scope of services:

• settlement and cash services;
• cash transactions;
• card service;
• overdraft.

In order to attract customers, banks do not charge a commission for opening an account, but the service can cost a pretty penny.

Government notifications

Within 7 days after paperwork, the entrepreneur must notify the tax office. It is necessary to submit documents from a credit institution and receive a letter from the inspection confirming the acceptance of the papers. In case of violation of the terms, the entrepreneur faces a fine of 5 thousand rubles. It is also worth doing this because the bank also notifies the fiscal authorities within 5 days. The notification is issued in a special form No. C-09-1, a sample of which can be obtained from the tax office. Datesending a letter will be considered the one indicated on the stamp.

R/S for sole proprietorship vs LLC

1. Under the law, an individual entrepreneur may not open a safe deposit box at all.
2. To withdraw or transfer funds, the LLC must provide supporting documents.
3. IP can work with one account in different cities.

Online banking

Simultaneously with the paperwork for a bank account, you can conclude an agreement with a bank for remote service. This will allow you to pay invoices, track the movement of funds, transfer salaries to cards, send money to tax and other government agencies without being distracted from your computer. But the contract clearly states that the number of transactions is limited. And for each subsequent one you will have to pay a fixed amount. Certain Sberbank services are provided only to those customers who use the Internet to make payments:

• Loan without collateral. Individual entrepreneurs with an annual income of less than 60 million rubles can receive a Trust loan at a reduced interest rate in the amount of up to 3 million rubles. In this case, the client may not indicate the purpose of using the funds. When you apply again, the loan amount increases to 5 million.
• Loan for production needs. The Business Turnover loan allows entrepreneurs to use funds to purchase raw materials, semi-finished products, etc.
• Entrepreneurs with an annual income of 400 million rubles are allowed to use the Business Auto loan. With the funds received, you can purchase a new or usedcar, truck, trailer or special equipment.
• Product "Business Real Estate" finances on the security of the purchased object. You can also purchase premises through a borrower accredited by the bank.
• "Business project": funds are provided in a large amount with the possibility of obtaining a deferment.

Fees

Sberbank services are provided on a fee basis. You can open a bank account in rubles for free. If you do not buy the package immediately, but connect the services separately, you will have to pay the following amounts:

• Cash management - 500 rubles/month;
• Internet banking - 490 rubles;
• cash acceptance - 0.3% of the amount;
• transaction - 15-60 rubles;
• withdrawals - 1%.

For comparison, similar amounts will have to be paid for servicing a current account with Promsvyazbank. Some organizations offer multiple service packages to customers. In "Sudostroitelny Bank" IP can issue:

• "basic" package for 1000 rubles, no monthly fee;
• "optimal" (200 rubles/month) - provides free opening of the first account and dozens of payments per month at preferential rates;
• "effective" - serviced for 850 rubles per month, no commission is charged after renewal.

Cash transfer to cards at the first two rates is 0.25%, minimum 50 rubles.

In Alfa-Bank, individual entrepreneurs can choose one of the following tariffs:

• "Business Start": free discovery, subscription fee - 990 rubles. provided that no more than 5 payments are made per month.
• "Electronic": registration - 800 rubles, maintenance - 1190 rubles
• The tariff for using the "Trading" package is 800 rubles.

Commission for transferring money to a card - 0.2% -0.6%, minimum - 200 rubles.

In Avangard you can open an account for 1-3 thousand rubles. There is no fee for using the Internet banking system.

Change billing

From April 1, 2015, Sberbank increased the fee for transferring funds from a legal entity's account to a bank card. Previously, there was a fixed tariff: 8 rubles for domestic payments and 30 rubles. - for transfers to accounts in other banks. Now the commission is 1%, but the minimum transfer amount is 115 rubles. Many clients will have to pay many times more for a standard operation.

But there is still a way out of the situation. Clients need to open a “Universal Account” at Sberbank for 10 rubles. This amount is immediately credited to the card. The account is active for 5 years. There is no commission charged for the service. Next, you need to connect the Internet banking service, if this has not been done before. Three days later, in the “Personal Account” on the site, the “Universal Account” and the account of the new plastic carrier will appear. The transfer of funds to the card will be carried out in two stages.

1. It is necessary to send money to the "Universal account". Commission for the operation - 8 rubles. The new tariffapplies to such payments, since the funds are not sent to 40817 (card), but to 42307 (Universal Account).
2. Order a transfer from a bank cell to a new payment instrument. The operation is free.

Denial of Service

You can close an account only in the branch where it was opened. To do this, the specialist must provide a passport, an RKO agreement and write an application. Upon completion of the process, the client will receive a notification from the bank, which must be submitted to the tax office.

Benefits

From all of the above, we can draw a small conclusion about why it is worth opening a current account for IP:

• Sberbank is a reliable financial structure. This has been proven over and over again.
• Ease of service. If you immediately connect the full package of services, you will not have to stand in lines for a long time to carry out one operation.
• Using the online system, you can send funds to a current account for individual entrepreneurs. Sberbank allows its customers to carry out transactions via the Internet. The online system is distinguished by different levels of data encryption. Payments are fast, but fees are charged separately.

4. Payment terminals. An entrepreneur does not need to have a store or office to receive money from a buyer. It is enough to order a terminal and use it for transactions. These devices can work on a SIM card. Funds are credited to the seller's account within 1-3 days. Commission is 1%from the payment amount. The device is provided free of charge.

5. Tariffs for servicing a current account do not differ much from competitors in the market.

6. Cashing out money. You can withdraw funds using a checkbook or transfer them to a bank card linked to your account. The first option is not very convenient. It is necessary to draw up a checkbook very carefully and carefully. To withdraw funds, you will have to go to the branch. Therefore, it is better to connect a salary plastic card and transfer money to it.

Conclusion

In order to mobilize business, you can use a cell in a credit institution. How to open a current account for an individual entrepreneur in Sberbank? It is necessary to provide a package of documents and submit an application. The process will take about an hour. As the largest financial institution in the country, Sberbank offers its customers a wide range of services at competitive rates.