Each company is required to conduct its activities through a current account. You can open it in any bank where the organization will be serviced conveniently and profitably. Further service can be carried out at a bank branch or remotely through your personal account. Tariffs for servicing a current account (account) at Sberbank depend on the service region.
Opening a current account is a complex mechanism where a company must submit a large list of documents. However, in the process of work, the organization may refuse to use the account and then it is necessary to carry out the closure procedure. It is important to carry it out correctly so that the company does not have problems in the future. Let's take a closer look at what closing a current account is, what this procedure consists of, what documents may be needed, and in what cases the account may not be closed?

What is closing a current account?

This is a procedure for terminating a settlement service agreement between a banking institution and a client. As a result of closing the account, the company will no longer be able to conduct transactions on it. Closing occurs in several cases:

• When an organization is completely liquidated. In this case, the closure procedure will be more complicated, since it must be preceded by a complete reorganization of the organization, payment of debts to creditors and tax authorities. If the liquidation is forced, then the owners do not need to worry about closing the account - the arbitration manager will prepare and submit all the necessary documents to the bank.
• In cases of reorganization or disintegration of the company into several new ones.
• Transfer to another bank (on more favorable terms).
• Change of owner of account.

The procedure for closing a retail account is specified in the agreement for its opening. According to current legislation, the account can be closed at the initiative of either party (client or bank) on the day of application.

The procedure for closing a current account in Sberbank.

• The head of the organization issues an order to close the account in the servicing bank.
• A letter is sent to the Federal Tax Service Inspectorate about the closure of the account and a response with permission is expected.
• An accountant or manager (or a person with the right of first signature) applies to the branch where the account is opened, presents the issued order and the tax permit.
• The bank provides an account statement.
• If there is a debt, the client must pay it off.
• If there is a positive balance, you should issue a payment order with a request to transfer funds to another account or receive the balances through the cashier (if they are insignificant).
• Next, an application in the prescribed form to close the account is filled out, indicating the reason for the closure, and given to the responsible employee. The application also indicates all numbers of sheets of the checkbook that were not used during the service process. The signed application must be kept in the company’s personal file. Application to close a current account with Sberbank
• During the day, this application is reviewed and signed by the head of the branch, and the client must receive written notification of the closure of the account.
• The declaration on the closure of the account must be sent within seven days (to avoid fines) to the Pension Fund of the Russian Federation, the Tax Service, and the Compulsory Medical Insurance Fund.

In what cases can an account not be closed?

The bank may refuse to close a current account for the following reasons:

• Presence of unpaid invoices.
• Having a debt to the Federal Tax Service (the bank and the tax office are usually close friends)
• Receipt of court orders for the arrest of the account.
• The presence of blocked amounts “until clarification” (for example, if a large amount has been received and the bank requires confirmation of the source of its legality).

When can a bank initiate the closure of a company's current account?

The closing of a settlement account occurs both at the request of the client and at the initiative of the bank. Cases when a bank decides to close a client’s account:

• If there has been no transaction for two years.
• By a court decision when the company's operations were terminated as a result of a lawsuit.
• If the client committed serious violations when conducting transactions with his account (this is determined by the department for monitoring financial transactions).

In these cases, the bank independently closes the account and sends a notification to the client about this.

Basic provisions for closing a current account with Sberbank:

• The account closes in the same branch where it was opened
• It is necessary to indicate the reason for closure and not have any debts to the tax authorities.
• It is necessary to immediately notify government agencies about the closure of an account to avoid fines.
• You must keep a copy of the closure application for yourself. If a situation arises where the account was not closed for some reason (for example, a technical failure), the client will not have to pay for its service.

Closing a current account cannot be called a trivial procedure, which can only be carried out by the person who has the right of first signature (appointed when opening a current account). Just like when opening an account, there are some nuances and requirements that are important to know about.

Collect all documents related to the current account:

• passport as an identification document;
• agreement to open a current account;
• checkbook;
• seal;

With the collected package of documents, contact the bank branch where the current account was opened. Tell the bank employee the purpose of your visit, he will issue a form and sample application for closing a current account. Check the balance of funds in the account and fill out a check to receive this money in cash, or a payment order to transfer funds to another current account, where you indicate “Transfer of own funds” as the purpose of payment.

In the application you will need to indicate the agreement number, details of your current account, arrange for the return of the checkbook by writing out its number, as well as the numbers of its unused pages (checks). In addition, you will have to indicate the reason for closing the account.

Give the bank employee a completed application to close the account, a checkbook and a payment order or check for withdrawal of funds. Receive money by check from the cashier.

From May 1, 2014, there is no need to notify such authorities as the Federal Tax Service, the Social Insurance Fund, and the Pension Fund of the Russian Federation about the closure of a current account, in accordance with federal laws No. 52-FZ and No. 59-FZ of April 2, 2014.

Now that the current account is closed, if your counterparties try to send you money by payment order, they will receive a refusal. Therefore, promptly notify your counterparties about changed bank details if you have opened another bank account.

Any individual or legal entity may face the problem of closure in a bank. Such a need may arise in the event of a change of bank, termination of the enterprise’s activities, its liquidation and in other situations. We will tell you how to properly terminate your relationship with the bank in this article.

What to do if you need to close a bank account

If you need to close your bank account, whether temporarily or permanently, you need to follow the following instructions step by step.

1. The first thing you should do is go to the bank branch where you opened the account and notify the bank employee of your intention to close the bank account. You must have with you all documents containing information about the account, such as a card, passbook and others, as well as a passport;
2. You need to write an application on the form that will be provided to you at the bank branch. Without fail, after filling out the application, the employee must check the data specified in it with the information specified in your passport. The application will be accepted only if all data matches. From the moment the application is submitted, it is considered that the agreement between the client and the bank is terminated;
3. After this operation, you must submit all documents in your possession linked to the account;
4. Next, you can receive the cash that remained in your account (in case not all the money was withdrawn from the account) or transfer money from a closed account to a new one;
5. After a few days, you should receive a notification that the account closure procedure was successful and has already been completed. This notice must be submitted to the tax office within seven days after receiving it.

After you have completed all the above procedures, you can rest assured that your bank account is safely and finally closed.

It is important to know that not only the client can terminate the agreement with the bank, but the bank itself can initiate the closure of the account. The law assumes that the bank has the right to close the client’s current account independently in certain cases. For example, this is possible if no transactions have been made with the current account for two years and no funds have been received into it. There are also situations when a bank requires the closure of a current account through a judicial procedure, but such cases are very rare.

Procedure for closing a deposit account in a bank

If you have a deposit and its term has come to an end, or you need to withdraw the accumulated amount ahead of schedule, you can close the deposit account, while withdrawing the deposit from the bank. The procedure for closing a deposit account at a bank is exactly the same as the procedure we described above. It is necessary to take all steps from writing an application to receiving notification of account closure.

Closing a bank loan account

The situation with a credit account is a little different. There are several nuances that must be taken into account when closing an account. There is a clear restriction according to which the account to which the loan was issued can be closed only after the loan has been fully repaid. If you have no debts and the entire amount has been paid to the last penny, you don’t have to worry, your account will be closed without any problems. To do this, you again need to go to the bank and write an application. There are cases when the account is closed within forty-five days. This is explained by the fact that the bank needs a certain time to count all transactions. Let's say it is possible that during this time data on expenses from a credit card will be received.

If the loan is large, for example, a car loan or a mortgage, then in order to avoid problems, you should contact the bank after forty-five days and request a certificate of account closure. This document will confirm that you have fulfilled all loan obligations.

What happens if you don't close your bank account?

Most people believe that if a bank card expires, they can simply throw it away, and at the same time their bank account will cease to exist. In fact, this is a big misconception because even after the card expires, the bank account may remain active. If there are no transactions with the account for a long time, the bank applies a special procedure for closing the account. In this case, funds from the account are transferred to a separate bank account. The bank's obligations include maintaining a client register, which contains information on balances, this is necessary so that the client can subsequently withdraw his funds.

While an account is open at the bank, the bank works with it and performs the services you ordered. Thus, if you have an open deposit, you receive income, but if you have a loan, your debt increases. Even one penny left on the account will not go unnoticed and will work.

In this article we will look at how to close a current account with Sberbank LLC and individual entrepreneur. Let's find out the features of this process and figure out how to draw up an application to close an account. We have prepared for you a list of documents for legal entities and individual entrepreneurs, as well as step-by-step instructions for closing an account.

Circumstances develop differently, and in some cases legal. the person may require (r/s). We will take a closer look at how an entrepreneur running his own business can close a business.

The most common reasons for this are:

• liquidation of the organization;
• bankruptcy of a legal entity;
• making a transition to cash settlement services in another banking organization;
• change in the form of ownership of the company;
• reorganizations of various types.

R\c can be closed:

• ahead of schedule;
• after your agreement with the banking organization expires.

In the second situation, difficulties usually do not arise, but with early closure there may be some nuances, so first of all, carefully read the contract.

We’ll look further into what you need to close an account with Sberbank.

Application form for closing a current account in Sberbank

In order for your company’s account to be successfully closed, you need to contact Sberbank with an application. Features of filling out the application form for closing an account are as follows:

The application for closure is drawn up in one copy, you provide it to the branch of the bank in which you opened the account. Moreover, it can only be submitted by the person who was involved in the discovery or his representative.

A sample application to the bank includes the number of the previously concluded agreement, current account details, and the reason why you are closing the account.

After the bank account agreement is terminated, the application for a closed account will be kept in your legal file.

As for the sample filling, you can view it at the bank branch or download it below:

Application download file:

How can an individual entrepreneur close a current account with Sberbank?

You can terminate an agreement with a banking organization at any time. Most often this happens by mutual consent of both parties. Let us immediately note that it is much easier for an individual entrepreneur to do this than for a legal entity. face.

At the same time, it is worth remembering that you need to notify not only the financial institution, but also your partners of your desire in time. This will avoid difficulties with transferring money to details that do not exist. It is also important to carry out all actions promptly, as this can significantly save money.

To close an account, you need to collect and submit the following documentation to Sberbank:

• an application completed by you manually;
• a statement indicating the availability of funds remaining in the account;
• a certificate from the Unified State Register of Individual Entrepreneurs, certified by a notary.

Not all banking organizations request the latter document; some are limited to a statement of the balance of money and an application.

Step-by-step instruction

To close your account, follow these steps:

1. Collect all necessary documentation.
2. Pay accounts payable (if any).
3. Start cashing out the remaining funds on your balance.
4. Submit a closure application to the bank.
5. Receive a notification that your account has been closed.

Sberbank may check the documentation you provide for some time. To find out how long this takes, please read the information in your service contract.

How to close an LLC current account in Sberbank

Closing a current account usually does not cause any major difficulties. But there are certain nuances in this procedure. Let's take a closer look at them.

A legal entity can close an account only if such a decision is made by the owner of the company. In this case, an order is issued or minutes of the meeting are drawn up to close the account.

Then you need to pay off your debts to the bank, only then submit an application indicating the reason for terminating the contract. If the account is closed due to the liquidation of the company, then first a so-called reorganization is carried out: all debts to the Federal Tax Service and creditors are paid.

The closing time directly depends on whether there is money left on the balance sheet. If not, the account will be closed the next day after the application is submitted. If there are funds, they must be transferred to another account.

What documents are needed for closing?

The documentation package includes:

• statement;
• extract from the Unified State Register of Legal Entities;
• Your passport;
• minutes of the meeting with the decision made to close the account.

You need to contact a legal specialist with these papers. persons.

Step-by-step instruction

Let's take a closer look at all the stages of closing a settlement account:

1. The person with the right of first signature submits an application to Sberbank. At the same time, an internal order to close the company is provided.
2. A Sberbank employee issues a certificate about the status of the account.
3. You pay off the debt (if any).
4. Within one day, the application will be reviewed and signed by representatives of the financial institution.
5. You will be given a special notice.
6. During the working week, the banking organization notifies the Pension Fund and the Federal Tax Service that you no longer have a bank account.

The account will be closed the day after the funds are debited. If you have not received the balance in your account, after 60 days they will be transferred to a special account. account with the Central Bank of the Russian Federation.

Please note that it is now possible to close an account through Sberbank Online or a mobile application. For this:

1. Log in using your username and password.
2. Select the “Deposits and Accounts” tab.
3. Select "Account Closing".
4. Fill in the form with the required information.
5. Specify the account for transferring the balance of funds.
6. Click the "Next" and "Close" buttons.
7. Wait for an SMS from Sberbank to your phone number.

To end a business relationship with a financial institution, you need to know how to close an account with Sberbank. Without liquidation of the agreement, it will be necessary to constantly pay for services at the bank, even if this product is not used. The need for severance may also be required upon termination of business activity as an individual entrepreneur or legal entity.

Closing an account in Sberbank step by step

To end the relationship with the organization, the client must take the following steps:

• Contact the company's office with a written request on how to close an account with Sberbank. To complete the document, you will need an identification document and a previously signed account opening agreement.
• Withdraw all funds available on linked cards. If the amounts are insignificant and amount to pennies, you can get them at the cash register.
• Eliminate debts and late payments. Without fulfilling debt obligations, it is impossible to end cooperation with the holding.

When the above operations are completed, Sberbank will begin closing the account. After completing the procedure, the financial institution will inform the consumer about the closure of the transaction via a message to the contact phone number.

Closing an account for a legal entity

A similar process awaits those who want to know how to close a current account with Sberbank for a legal entity. When starting to complete cooperation, the following nuances should be taken into account:

• The right to carry out the procedure for closing a current account with Sberbank for a legal entity only has its director or another person who has a notarized document authorizing such actions.
• To liquidate assets, you must personally contact the company office to submit an application.
• To confirm your identity, you must provide a valid passport.
• The organization or person closing the account must not have debt obligations to the bank or tax office.
• After liquidation of the account, the legal entity must notify the tax service about the termination of monetary relations with the financial institution.

After changes in legislation, tax notification has ceased to be a mandatory condition and now applies only to financial institutions. But to clarify the details and avoid fines, it is better to consult an inspector.

Carrying out the procedure for individual entrepreneurs

At the moment, there are specialized services on the territory of the Russian Federation that will tell you how to close a current account with Sberbank for individual entrepreneurs, and will also take care of all the hassle of preparing documents. Such organizations can significantly save time, but charge an appropriate fee for their services.

Those who want to resolve the issue themselves: How to close a current account in Sberbank as an individual entrepreneur, you should follow these steps:

• Prepare a package of documents for termination (account balance, limit on cash transactions, list of debts).
• Pay off arrears (if any).
• Write an application for liquidation of the account.
• Withdraw money.

After this, all that remains is to wait for notification of the completion of cooperation, issue a certificate about this and submit it to the tax office, insurance company and pension fund.

Close a current account in Sberbank Online

Visiting a branch and filling out documents takes a lot of time, so it’s easier to close a current account with Sberbank Online, an online system that allows you to manage your finances without leaving home.

In order to terminate the contract, you need to follow a few simple steps:

• Log in to the system using your personal data and the code from the SMS message.
• Click on the Deposits and Accounts link.
• Select the item Closing deposit at the top.
• In the dialog box that opens, select the deposit that needs to be liquidated and the plastic to which the previously stored money will be transferred.

Unfortunately, it is currently impossible to close a current account with Sberbank Online, which is not a deposit account. Personal presence at the branch is required to complete documents. If it is not possible to contact the branch in person, the option of applying by mail is considered. To do this, you need to fill out an application in the established bank form (), secure it with a personal signature and send it to the address where the cooperation agreement was originally concluded.

Conclusion

Having analyzed the information on how to close an account with Sberbank, we can conclude that the procedure for individuals, legal entities and individual entrepreneurs is similar, but has its own nuances. Entrepreneurs will need to notify additional government agencies about the end of the relationship, but the average citizen will not. In addition, an ordinary user has the ability to remotely close a deposit account.