How interested many entrepreneurs and legal entities. After all, having a valid account in the largest bank in Central Europe, you will agree, is very good. Plus, the largest network of retail outlets in Russia, a wide range of available financial services, and the availability of remote access systems play into the hands of clients.
In addition, Sberbank has one of the world's largest networks of ATMs and self-service terminals, and this is very important for entrepreneurs who traditionally work a lot with cash and payment cards.
Given the great competition in the market, all banks are trying to attract customers in a variety of ways, and Sberbank is no exception. You hear about it all the time, its advertisements can be seen on the Internet and in the media. But everyone knows that you can attract a client with bright advertising, but not keep it.
So, what will hold back private owners and companies who wish to open current account in Sberbank:
- processing speed– the bank representative gives the client the account details within 5 minutes. After which they can be sent to their counterparties so that they make payments on it;
- bonuses– for an open account, the client receives 120 thousand rubles of bonuses, which can be used to advertise his business on the Internet: 15,000 rubles for contextual advertising in Yandex, up to 75,000 rubles for advertising on social networks from myTarget and another 30,000 rubles for advertising on Google . And what can I add here? Sberbank implements one of the main principles of doing business: “Advertising is the engine of trade”;
- 24/7 payments in the bank's network. And taking into account the fact that Sberbank has an account opening for almost all legal entities, paying a counterparty or receiving payment at any time is not a problem at all;
- the widest range of financial services, which can only be: acquiring, factoring, leasing, payroll projects, collection, lending, corporate cards, etc.;
- free accounting support, which includes: Sberbank Business Online, no fees for payments to the budget, receiving account statements, filing reports and calculating taxes for private individuals who are on a “simplified” basis and work without employees;
- convenient and understandable banking, which is presented here not only in the form of a mobile application and standard Internet banking. For the first time in Russia, Sberbank implemented access to your account on your watch. The client can now not only keep track of time, but also control receipts, as well as make payments;
- also a current account in Sberbank for individual entrepreneurs beneficial in that for all transfers to the accounts of individuals up to 150 thousand rubles per month no commission is charged.
How to become a client of Sberbank
There are Sberbank branches in many localities, including large villages, but services for legal entities are not available in every branch. Here you can see the branch with corporate services closest to your office.
However, the network of Sberbank branches is the largest in the country and therefore accessible to every organization.
So let's now consider, how to open a current account in Sberbank and get access to all of the above. This can be done in the traditional way by collecting the necessary package of documents and visiting the nearest bank branch.
But why waste time, if now you can get account details much easier - by sending an application from the official Sberbank website.
All a potential client needs is:
- Select a service package.
- Fill out the form. In it you must indicate: your OGRN, TIN, annual revenue, contact information, select the type of organization.
- Attach constituent documents.
After which the client will receive a number within 5 minutes that he can use to receive payments. Access to settlement transactions is granted only after visiting the bank with all the necessary documents.
What documents are needed for Sberbank
Which ones are needed? documents for opening a current account in Sberbank traditionally depends on the legal form of the client. Thus, in order to gain access to Sberbank services, private entrepreneurs must provide:
- passport;
- TIN;
- state registration certificate;
- extract from the Unified State Register of Entrepreneurs.
To open a current account in Sberbank for an LLC You need to collect the following package of documents:
- latest edition of the charter;
- extract from the Unified State Register of Legal Entities;
- documents confirming the identity of the company's management;
- orders confirming the powers of the management of a legal entity;
- licenses, permits (if available);
- decision or protocol on the creation of a company;
- protocol on the election of the executive body.
The list of documents is not final and depends on the individual characteristics of the client.
It should be noted that sample signatures need to be drawn up at Sberbank only if the entrepreneur or company will work with paper payments and withdraw money by check. When the account is managed using remote access tools, it is not necessary to fill out sample signatures. The advantage of the latter option is not only permanent access to the account, but also the fact that registration of sample signatures is paid - 500 rubles per signature.
Service packages and tariffs
RCO tariffs at Sberbank vary depending on the region of the country. There are standard tariffs established for each operation and there are service packages. By purchasing a package, the client receives a set of some services for free, limited by a limit. For transactions above the limit, the bank sets a commission that is valid only within a certain package. By default, the standard tariff is applied.
- There is a fee for opening an account in some regions. If an account is opened as part of a service package, it is free.
- Tax payments without commission (as in all banks, according to the law).
- Intrabank payments are usually free in many banks, but given the large share of business serviced by Sberbank, a commission is charged. It is less than for external payments, but nevertheless it exists.
- SMS notification about the balance and receipt of funds to the current ruble account - 199 rubles. per month.
| Name | Easy start | Good season | Good revenue | Active settlements | Great opportunities |
|---|---|---|---|---|---|
| Account purpose | For those who are starting out | For those who have few payments and seasonal business | For those who work with cash | For those who have many payments | For successful organizations with a large number of transactions |
| Cost of the service package | for free | 490 rub. | 990 rub. | 2490 rub. | 8000 rub. |
| Transfers to accounts of legal entities and individual entrepreneurs | intrabank - free, external first 3 - free, subsequent ones - 100 rubles. | 5 payments are free, the next ones are 49 rubles. | 10 payments are free, then intra-bank payments - 11 rubles, external - 32 rubles. | 50 payments are free (unused payments are carried over to the next month), then 16 rubles. | intrabank payments - without restrictions, 100 external payments - free, subsequent ones - 100 rubles. for payment |
| Translation from a paper document | 500 rub. | 500 rub. | 500 rub. | 500 rub. | 500 rub. |
| Depositing cash into your account | 0.15% of the amount with a business card, 1% - through the bank cash desk | up to 50 thousand rubles. , then - 0.3% by card, at the cash desk - 0.36% of the amount, min 220 rubles, if the amount is over 100 thousand rubles, then 0.3% of the amount | up to 100 thousand rubles. - free, then 0.15% of the amount | 0.3% by card, at the cash desk - 0.36% of the amount, min 220 rubles, if the amount is over 100 thousand rubles, then 0.3% of the amount | up to 500 thousand rubles - free |
| Withdrawing cash from an account through a bank cash desk | 5% - up to 5 million rubles. 8% - over 5 million rubles. | 4% - up to 2 million rubles. 5% - from 2 to 5 million rubles. 8% - over 5 million rubles. | 3% - up to 2 million rubles. 5% - from 2 to 5 million rubles. 8% - over 5 million rubles. | | up to 2 million rubles - 1.4% of the amount, min 250 rub., over 2 million rubles up to 5 million rubles per month - 4% of the amount, over 5 million rubles. - 8% of the amount |
| Withdrawing cash from a card | 3% of the amount | 1.4% of the amount, min 250 rub. | 1.4% of the amount, min 250 rub. | 1.4% of the amount, min 250 rub. | up to 500 thousand rubles - free |
Open a current account in Sberbank: withdrawal
Open a current account in Sberbank It’s not difficult, and by the way, this can be done remotely using an online application. But to be honest, it would be a stretch to call the registration process itself completely remote. After all, the client will still have to visit the bank branch with a full package of documents.
For comparison: upon opening, a bank employee goes with a ready-made package to the client to sign everything at once and takes it with him.
But be that as it may, Sberbank is the largest Russian bank and has the most extensive network of branches and ATMs. It can offer clients low interest rates on loans, as well as lending under government-supported programs. Private entrepreneurs and legal entities who open an account with Sberbank receive access to all standard and non-standard financial services.
In addition, Sberbank is a systemically important bank in the country, with state participation (the Bank of Russia owns 50% of the management capital + 1 share), which inspires trust among legal entities and confidence that the license will not be revoked. But individual entrepreneurs can focus more on favorable tariffs and convenience, and not just on the stability of the bank (individual entrepreneurs’ accounts have been subject to the deposit insurance system since 2014).
Alexander Babin
A current account is a very popular banking service. Most often it is needed by legal entities and individual entrepreneurs acting as business entities. At the same time, an individual may also need a current account - to receive any payments or when deciding to put a certain amount of money on deposit.
Opening a Current Account for Individual Entrepreneurs in Sberbank
Despite the fact that opening an account is not included in the list of mandatory requirements for individual entrepreneurs, carrying out most types of activities without this step is simply impossible. In order to carry out this operation, the individual entrepreneur can go in two ways.
The first way is traditional. It begins with a personal visit to the bank and communication with an employee authorized to work on such issues. Next, the entrepreneur collects all the necessary documents, visits the bank branch again, submits an application and documents, and within one working day receives a working current account.
In practice, full work with the account is possible the very next day after the entrepreneur completes all the necessary actions.
A more modern solution is suitable for those who need a current account immediately. Using the online service, you can get an account number in a very short time - 10 - 15 minutes. And the necessary documents can be provided to the bank later. Thus, Sberbank provides quick opening of an Online current account mainly for those who have already conducted business activities before.
Sberbank: Opening a Current Account for LLC
But most individual entrepreneurs still manage to do business without a bank account. At the same time, a legal entity and, in particular, an LLC, will not be able to carry out their commercial activities without this - cash transactions are significantly limited for them. The procedure for opening an account for a legal entity differs only in the package of documents required to be provided - it is broader than the list required to open an account for an entrepreneur.
Another difference is that Sberbank opens a current account for legal entities after filling out a signature card. After all, several people may need to manage an LLC account. It is the samples of their signatures and passport data that will need to be entered to implement this opportunity.
Sberbank: Tariffs for opening a current account for individual entrepreneurs and LLCs
Sberbank has a flexible approach to servicing its clients, which is reflected in its fairly diverse offers for opening an account. Several service packages are offered, differing in cost and service provided.
For those who are just starting out and want to spend their money as economically as possible, the Package is perfect « Easy start» . It includes a set of the most necessary banking products and is very reasonably priced.
Opening an account under this package is free. There is also no need to pay for 12 months of corporate card maintenance and transfers to Sberbank accounts.
The first three transfers of funds per month, made to accounts opened with other banks, are also free.
For each subsequent payment to a counterparty outside the Sberbank system, a commission in the amount of 100 rubles will be charged. In this case, the payment amount is unlimited - no additional interest, in addition to the fixed fee, will be charged.
But you will have to pay to deposit funds into your account. Thus, replenishing a bank account using a self-service terminal costs 0.15%. For cash withdrawal through the terminal you will have to pay 3 percent of the amount.
Service directly at a bank branch is more expensive. So, for withdrawing money from the account, 5% of the amount is charged. Depositing cash at a branch will cost 1%, regardless of the amount deposited.
The next tariff plan is called « Minimum +". The monthly cost of account maintenance will be 990 rubles. In this case, no commission is charged for five payments per month, regardless of the counterparty bank and the amount transferred. Starting from the sixth payment, the transfer costs from 50 rubles.
The advantage of the account is free deposit of funds up to 30,000 rubles.
Subsequent deposits cost 0.3% of the amount, which is also very favorable compared to the “Easy Start” conditions.
« Basis +» Suitable for those who carry out fairly active banking operations. The monthly subscription fee for the account will be 2100 rubles.
However, it will be possible to make up to 20 payments for free.
Without interest, you can deposit up to 100 thousand rubles in cash into your account - both through the terminal and using the services of a Sberbank branch.
For depositing amounts over 100 thousand, a 0.3 percent commission will be charged. Starting from the 21st payment, regardless of the recipient’s bank, a commission is also charged, the minimum amount of which is 11 rubles.
Cost of opening a current account in Sberbank according to the package "Optima +" and further maintenance will be 3100 rubles/month.
The conditions for depositing cash remain the same as in the previous package. But the number of free payments increases significantly - at least one hundred transfers can be made for free. So this package is suitable for those who carry out large-scale and frequent transactions with non-cash funds, purchasing various goods and services with them.
Conditions for opening a Current account in Sberbank
In addition to the issue of tariffs, other conditions for opening and servicing a Sberbank current account are also important for commercial entities.
First of all, it is necessary to say about the excellent reliability of Sberbank as a counterparty. Based on the results of past years, this financial organization, most of whose shares belong to the state Central Bank, shows not only excellent results in various ratings, but also steadily growing business indicators. Thus, at the end of last year, Sberbank was named the most profitable banking organization in the country.
In addition, the conditions for opening and servicing a Sberbank current account imply the provision of a number of additional services - free and paid.
Whatever package of services the client chooses, he additionally receives:
- Possibility of free online banking
- Interest-free transfer of payments to budgetary organizations
- Free statements on current transactions.
In addition, when choosing the “Easy Start” package, it is possible to obtain a free convenient business tool – a corporate card, with which you can make interest-free payments, access your current account around the clock and control all expenses on your account at any time as easily as possible.
Thus, thanks to this list of free services, an entrepreneur or legal entity receives all the most necessary services - for a minimal fee or even free of charge.
Documents for opening a current account for an individual entrepreneur in Sberbank
In order to apply to open an account, an entrepreneur must provide a Sberbank employee with a prescribed set of documents. It includes:
- Identification;
- Papers confirming the registration of individual entrepreneurs;
- You need an extract from the Unified State Register of Individual Entrepreneurs, a card with the signatures of persons authorized to work with the account;
- Tax certificate;
- In addition, you will need the passports of all persons authorized to operate the account.
If an entrepreneur carries out or intends to carry out activities subject to a license in accordance with the laws of the Federation, he is obliged to provide all permits. These may be licenses, various state patents, and other permissions provided for by law.
Originals of all of the above are usually required. If for some reason it is not possible to provide the originals, it is allowed to provide certified copies of patent and permitting documentation and passports of persons authorized to manage the account being opened.
Video instructions for opening a Current Account: all Aspects
In this video you will be able to highlight additional information on opening a bank account and learn about the details of each stage.
Documents for opening an LLC current account in Sberbank
The conditions for opening a current account with Sberbank require LLCs and other legal entities to provide an expanded list of documents. So, they need:
- constituent documents, in addition, minutes of the meeting of owners confirming the authority of the manager;
- a form established by the bank containing information about the enterprise;
- Of course, all permits and certificates on the basis of which the company conducts its activities must also be transferred to the bank.
Passports of managers and all officials who will carry out transactions with the account will be required, as well as justification of their powers - for example, orders for the enterprise on enrollment, job descriptions.
These documents can be provided both in original and certified copies.
In this case, an authorized bank employee may require the originals of these documents to compare the data in the copies.
In general, opening an account with a Savings Bank is not the cheapest offer on the market, but it is distinguished by the reliability of saving the funds in the account and the widest coverage of the country's branches.
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Choosing a bank for a legal entity is not an easy task, much more difficult than for an individual entrepreneur. Entrepreneurs, as individuals, are protected by the deposit insurance system. If something happens to the bank, the individual entrepreneur will return the money from the current account, within the current limit (in 2017 this is 1,400,000 rubles). Client organizations are not protected by anything; all that they are guaranteed is a place in the creditors’ queue. Often the decision to open an account with Sberbank for a legal entity is caused precisely by the desire to avoid the risk of losing money.
Please note: from 2019, the insurance system for funds in bank accounts will also apply to.
Pros and cons of Sberbank
Sberbank is a clumsy, cumbersome structure and does not chase clients. The bank is already doing well; at the end of 2016, it became the most profitable bank in the world, and return on equity increased to 20%. Sberbank does not hide the secret of success - to reduce rates on deposits of individuals and organizations, reduce staff and the number of branches.
If you are primarily interested in quality of service and low tariffs, then opening a current account with Sberbank for an LLC is not the best idea. But the bank has another undeniable advantage - its main shareholder and founder is the Central Bank. In the context of the protracted reorganization of the financial market, when the licenses of credit institutions are revoked almost every month, this is a serious advantage.
In addition, Sberbank itself calls its advantages:
- the largest branch network in Russia (legal entities serve 800 branches, and physical ones - about 15,000);
- active lending to small and medium-sized businesses (about 33% of the corporate loan portfolio falls on SMEs);
- subsidiary banks in the CIS (Ukraine, Kazakhstan, Belarus) and abroad (Austria, Switzerland, Turkey);
- fast opening of foreign currency accounts - on the day the client provides a complete package of documents.
According to statistics from the banki.ru portal, Sberbank ranks first in the financial rating of credit institutions in Russia.
But in the national rating, which is compiled based on customer reviews, its position is much lower - barely reaching the fourth ten. Most of all, customers are dissatisfied with the sluggishness and low qualifications of employees, long payment processing times, poorly functioning online banking, and high service tariffs.
To be fair, it must be said that not a single bank has absolutely satisfied customers. As for tariffs, they are more noticeable for individual entrepreneurs with low incomes than for organizations with good turnover.
Procedure for opening a current account
If you have decided in favor of the largest credit institution in Russia, then find out how to open a current account with Sberbank for an LLC.
Opening an account for legal entities in any bank occurs in accordance with the Instruction of the Central Bank of the Russian Federation dated May 30, 2014 N 153-I. Information about what documents are needed for this is also available on the bank’s website itself. To open an LLC current account you must provide:
- charter;
- certificate of registration of a legal entity (for LLCs created before January 1, 2017) or a sheet of registration of the Unified State Register of Legal Entities in form No. P50007;
- original extract from the state register of legal entities (a copy certified by a notary or tax office is acceptable);
- a card with a sample seal and signatures;
- documents confirming the authority of the manager (personnel order or decision of the founders);
- confirmation of authority to manage the account of other persons whose signature is recorded on the card (most often, an order appointing a chief accountant);
- passport of the manager and other persons with access to non-cash funds;
- information on the bank form;
- license for certain types of activities, if issued.
Additionally, to open an LLC current account, the manager will ask you to fill out a client application and a form to identify the beneficiary.
Documents must be submitted in originals; copies can be taken and certified by an operator for a fee. Notarized copies are also accepted, but you still need to have the originals with you for comparison.
All information received about the client is carefully checked, but the website reports that opening an account with Sberbank for legal entities is possible even on the day of submitting documents. However, if the client’s integrity is in question, the service agreement may not be concluded. The bank has the right not to disclose the reasons for refusal.
The answer to the question of how much it costs to open a current account for an LLC depends on the location of the bank branch and the number of signatures on the sample card. The highest one-time commission for opening an account is in Moscow (3,000 rubles). Add here another 500 rubles for registration of one signature plus 300 rubles for certification of a copy of each original.
In total, opening an LLC account in Sberbank for a metropolitan organization will cost at least 5,000 rubles. For each additional option (checkbook, electronic key, connection to the Sberbank Business Online system, etc.) a separate fee is charged.
Preliminary account reservation
You can reserve a current account for an LLC with Sberbank even before submitting documents. The service allows you to obtain the necessary details in a few minutes without visiting a bank branch.
This is especially convenient if you do not have time to open a current account for an LLC during a personal visit, and you urgently need details to receive funds. Simply fill out the form with your organization information and select a branch to serve.
The details are sent to the specified email address, and the account starts working to credit funds. You are given 30 calendar days to prepare documents and open a current account in Sberbank for an LLC in the selected branch. However, if money has been received using the reserved details, the invoice registration period is reduced to 5 days, otherwise the funds will be returned to the sender.
For all legal entities engaged in commercial activities, the procedure for opening a bank account (one or more) is mandatory at the legislative level. In addition, non-cash payments significantly speed up payment transactions and optimize the workflow. Using a current account, an enterprise can pay wages to employees, pay for purchases, make tax deductions, and also accept funds for services provided. Therefore, as soon as a legal entity is registered, the company immediately needs to start opening an account in a proven and reliable bank.
Among such banks, Sberbank occupies a special place - an institution with an impeccable long-term reputation, time-tested, and justified the trust of its clients. To have an idea of how to open an account with Sberbank for a legal entity, it is recommended to visit the official website for informational purposes. There you can also find out about current tariff plans, profitable offers, and promotions.
Required documents for opening an account
List of documents required for legal entities to open an account with Sberbank:
- statutory or constituent documentation of the company;
- certificate confirming state registration of a legal entity;
- TIN of the enterprise;
- extract from the Unified State Register of Legal Entities;
- a certificate from the tax service confirming the registration of the company;
- confirmation from government statistics;
- a questionnaire filled out in accordance with the template established by the bank;
- supporting documentation about the powers of the manager or chief accountant;
- a special card containing an imprint of the enterprise’s seal, samples of personal signatures of officials;
- licenses – if the company’s activities require it.
Note: originals of all documents are provided, and bank employees make copies and certify them. You can also provide a package of photocopies certified by a notary.
Identification and conclusion of the contract
Before opening an account, a bank employee will carry out the procedure for identifying a legal entity and processing the provided data. Information is verified based on the documents provided. Typically, the manager does not need to bring any additional information.
This is followed by the stage of concluding a contract. The document is signed by representatives of Sberbank and the organization, and also sealed by both parties. Next, the bank employee creates an account in the registration book - the opening of an account for legal entities in Sberbank can now be considered successful.
Note: within a week, a legal entity must submit information about opening a current account to the tax service, pension fund and social insurance authorities.
Online reservation service
To improve the quality of customer service, Sberbank has developed an additional option that allows you to remotely reserve a place on the bank’s official portal. This operation will be convenient if the manager currently does not have the opportunity to personally contact the branch to open an account.
Go to the “Small Business” or “Banking Services” tab
“Online current account number”
The essence of the service is virtual registration. The director or chief accountant fills out an electronic form and enters all the relevant data. Next comes the information processing stage, the company identification procedure. In parallel, a Sberbank employee creates a current account number and sends a notification to the client with information.
The account number reserved in this way will be valid for five days. At this time, the company cannot yet fully carry out all financial transactions, just receive funds.
But do not forget that within the same 5-day period you must come to the Sberbank branch in person and provide a complete package of necessary documents. Only then will the procedure for opening a current account be considered complete, and it will be possible to carry out all expense transactions. If you haven’t been able to find time to complete full activation within 5 days, then there is no reason to panic. The reserved account number is simply canceled, and all funds that have already been credited will be returned to the counterparties. After this, you can re-register online or open a current account with Sberbank.
Account opening services are provided on a paid basis. But there is also the possibility of opening it for free - usually a Sberbank employee informs you about these nuances and conditions. But according to the general rules, an additional service will need to be connected to an online reservation. In addition to free account opening, a legal entity will have the opportunity to be serviced remotely, which significantly helps save time.
The choice of a financial institution in which the organization will be serviced must be approached with all seriousness, because unlike individuals and entrepreneurs, organizations do not have deposit insurance that guarantees the safety of the enterprise’s funds. The difficulty is to open a current account in a reliable bank that provides convenient services for a minimal fee. Opening an account with Sberbank for a legal entity is the best choice when it comes to the safety of funds and stability of work.
As part of Sberbank's offer, several service programs are provided, and the cost is determined by the breadth of services provided and their volume.
Advantages and disadvantages of opening an account with Sberbank
Unlike smaller and younger banks, Sberbank does not offer exceptional conditions in order to attract new clients from legal entities to service. At the same time, for organizations interested in a full-fledged long-term partnership, service in a major bank is a guarantee of the safety of entrusted capital and stable operation.
Before opening an account with Sberbank for a legal entity, it is necessary to study the programs offered, because the prices for the services of a financial structure are far from the most favorable.
If, in conditions of instability in the banking sector, the client is interested in a guarantee of reliable preservation of funds and safe transactions and orders, it makes sense to consider Sberbank, the founder of which is the Central Bank of the Russian Federation. In conditions when news about the revocation of licenses from banks becomes daily, you should seriously think about the degree of trust in a financial institution.
The positive characteristics of cooperation with the bank are:
- widest representation in the regions;
- affordable and profitable lending schemes for small businesses;
- established international connections with services in subsidiaries of financial organizations in the CIS countries and abroad;
- foreign currency accounts are opened within 1 business day.
At the same time, the bank’s position in various ratings is very different: while official statistics indicate its leading position, according to customer reviews the situation is less attractive.
When considering the popular rating, it is necessary to understand that it is difficult to achieve complete customer satisfaction, and the existing tariffs are especially significant for entrepreneurs whose activities do not have high incomes. For those who have decided to open an account with Sberbank for a legal entity, complete information about the tariffs in force in each region of the Russian Federation and the list of required documents is available online.
Sberbank tariffs for legal entities
For an enterprise engaged in commercial activities, one of the most important performance indicators is business profitability. For this reason, special attention is paid to the cost of banking services and related costs that ensure the financial activity of the company. It is important for a business owner to study the possibility and conditions of performing various operations, including opening an account for an LLC in Sberbank and further settlement and cash services.
You can find information about upcoming costs on the official Internet resource of a financial organization by selecting the section for legal entities and clicking on the banking services tab. All the necessary information is presented on the page on opening and maintaining accounts.
Each of the proposals provides specific conditions to suit the different needs of organizations.
Varying from region to region, tariffs for current packages take into account:
- actions to open an account for LLC in Sberbank;
- regular account keeping;
- execution of payment orders (by the number of operations performed);
- commission and conditions for cashing out funds (in percentage, not less than the specified threshold);
- preparation of statements.
There is no clear answer about the greatest benefit for legal entities when servicing at Sberbank. For one organization, comfortable service in mutual settlements with domestic companies and clients is important, another is more concerned with the question of how to open a foreign currency account with Sberbank and what are the parameters for working with foreign accounts.
In 2018, the following prices were established for LLCs operating in the Moscow region:
- Opening an account – 2.6 thousand rubles.
- Payment for cash settlement services – 2.1 thousand rubles/month.
- The fee for 1 transaction of crediting to an account within the bank is 12 rubles, to external structures - 45 rubles per 1 transaction.
- Payments to government departments and tax authorities - no commission.
- Accepting cash through terminals – 0.5%.
- Cashing out costs depend on the volume – 3–8% of the amount.
In February 2018, a new package was introduced to provide an easy start to banking for organizations. Many options within this package are available for free:
- open an account;
- maintain a ruble account and use the Internet system “Business Online”;
- transfers to other legal entities within the bank;
- three transactions to organizations using details in other financial institutions (other payments are made with a charge of 100 rubles per transaction);
- corporate plastic service in the 1st year.
When depositing cash using terminals, they charge 0.15% of the amount. Only LLCs that have a single account within the same territory can connect to the package.
The procedure for opening a current account in Sberbank for an LLC is regulated by Instruction No. 153-I, introduced by the Central Bank of the Russian Federation in 2014. The list of documentation required for submission to the branch can be found on the pages of the official website of the financial structure.
If desired, a legal entity has the opportunity to reserve a current account without waiting for the completion of the procedure for registration and verification of papers. To do this, use a convenient online service that allows you to obtain details before visiting the office.
When information about a current account is required urgently and there is not enough time for complete registration, Sberbank allows you to obtain the data so that the organization can receive funds into the account. You just need to fill out the form provided on the website, entering the LLC data and selecting the branch where the service is expected. The client has 30 days to prepare a package of papers and contact the branch. If funds have been credited to the specified details, the period for additional account registration is reduced to 5 days.
A bank that offers reliability and stability is very attentive to the package of documents that allows one to judge the reputation of a potential client.
The list of papers that will be needed to open an account with Sberbank includes:
- Statement.
- Statutory documents.
- Certificate and extract from the Unified State Register of Legal Entities.
- A document confirming that the organization is a taxpayer and is registered with the Federal Tax Service.
- Card establishing examples of legitimate signatures and seals.
- Information about the legal entity according to the bank form.
- A list of documentation establishing the election of the officials listed on the card and their powers.
- Documentary confirmation of the powers of the sole body.
- Personal documents for persons authorized to manage financial flows and give orders for transactions with funds on the account.
- If necessary, licenses and permits for conducting activities.
Additionally, a package of papers is prepared for the authorized person involved in opening the account: a notarized copy or original power of attorney from the organization and a personal document (original civil passport).
