Cash services for individuals in banks. Money transfers and rko

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 December 23, 2015; for clients opening separate accounts of the Head Contractor, Contractor of the State Defense Order from December 9, 2015)
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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)

"CORPORATE" TARIFF PLAN 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 24.10 .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)

Hello, dear readers of the business magazine “site”! In the article we will talk about cash settlement services for legal entities and individuals, why this is necessary and how to choose a bank with low (good) tariffs for cash settlement services.

Due to the growing popularity non-cash payments And obligation to work with a current account, RKO becomes an integral part of our lives and is necessary for absolutely everyone, from the ordinary pensioner before entrepreneur or, especially, a large company.

From this article you will learn:

What is cash management services?
What advantages and functions does it have?
What is the difference between cash settlement services for individuals and legal entities;
By what criteria and comparative characteristics should you choose a bank?

Of course, entrusting your current account to a bank is a responsible decision and requires the most serious approach, because the company’s costs, the security of financial transactions and, accordingly, its profitability depend on it.

So how do you decide on the choice of a partner bank and what to pay attention to? Read about this and more right now!

What is cash settlement services, what function does settlement and cash services perform for legal entities (LLC, individual entrepreneurs, etc.) and ordinary citizens, how to choose a bank with the best tariffs for cash settlement services - you will learn about all this by reading the article to the end

1. Cash settlement services (CSS) - what is it and who needs it

RKO (settlement and cash services) is a system of banking services that allows you to service accounts of individuals and legal entities and carry out transactions for transferring funds in various currencies.

To use such opportunities, a potential client must provide the bank with certain documents, enter into an appropriate agreement with the bank and comply with the requirements of existing legislation and internal bank regulations.

All legal subtleties of RKO are determined by the Law “ About banks and banking activities", Civil Code of the Russian Federation and regulatory legal acts TSB RF(for example, such provisions as “on non-cash payments in the Russian Federation”, “on the procedure for conducting cash transactions in credit institutions” and others)

Is it possible to do without cash management services?

Both individuals and organizations today need to use non-cash money circulation, in one form or another.

Accordingly, we can do without RKO impossible when conducting any non-cash transactions, withdrawal or deposit of cash into an account (including payment, money transaction etc.), maintaining accounts in various currencies and receiving statements of transactions performed on the current account.

2. Cash settlement services for legal entities - a mechanism for servicing bank clients

With cash settlement services for legal entities, the credit institution conducts all operations on their current accounts. Among which, listing salaries, pensions, scholarships and other payments. Transactions can be carried out both in rubles and in other foreign currencies. We wrote in more detail about this in one of our previous materials.

Fundamental services in this area can usually be classified as:

non-cash payments;
cash payments;
preparation of account statements.

When carrying out work on accounts and cash transactions, banks use special forms, the most commonly used of which are:

payment order (when using a current account for payment), it is also called “form 0401060”;
form for depositing cash into a bank account;
checks issued when cash is withdrawn from an account.

Having signed an agreement on cash settlement services, the company has the right get a checkbook, which serves as a tool for cashing out money to use it to pay employees and other needs of the company.

Banks can offer not only basic, but also additional services, for example, collection, remote access to working with a current account (this system is called “ Bank-Client »).

But, if basic services are provided free of charge or on a minimum payment basis, then related services are provided for a fee, because a bank is, first of all, a commercial organization.

3. The main purpose of settlement and cash services for individuals

An individual's current account is used for depositing payments, making non-cash payments, online banking transactions and other non-commercial purposes.

In most banks, this service is provided free of charge, but there is also a commission for making transactions, such as cashing out money, processing payment documents, wire transfers, etc.

To open an account, a settlement agreement is signed between an individual and the bank.

4. How to choose a bank for cash settlement services - TOP 3 tips from experts

The choice of a partner bank should be approached as seriously as possible. Before doing this, you need to study the offers of various banks and decide based on the criteria that are important for a particular organization.

Tip 1. Determine the reliability of the bank

Bank reliability – this is a comprehensive view not only of its capabilities, but also the identification of advantages and weaknesses. Before concluding a service agreement, it is necessary to assess the possible risks of such cooperation and compare them with the level of utility.

There are different ways to get an idea of the work of a credit institution, as well as a criterion for assessing its reliability, for example:

Open sources of media and Internet resources. Here you can find not only general information, but also reviews from real clients. For this, in addition to the websites of the banks themselves, there are specialized sources (such as the Banki.ru information portal, Expert RA credit ratings and others);
Make sure that It is possible to withdraw and transfer funds on the day of application;
Monitoring the stability of the bank's work. For example, delays in transferring funds should alert you;
Availability and geographical location of bank branches. Their presence in different regions allows you to avoid unnecessary time and money spent working between several different systems;
Range of services . It is important that the bank meets all the requirements of the organization and can provide all the services it needs;
Deadline for issuing a transaction passport, currency requirements for documentation, currency exchange conditions, etc.;
Tariffs for cash settlement services for clients. When comparing banks on this indicator, it is important to evaluate the size of the commission for maintaining an account, the possibility of working remotely and connecting this service, transfers of funds, depositing and withdrawing cash (for the payment of wages and other needs of the organization);
Quality And, Firstly, efficiency of cash settlement bank and resolving controversial issues.
Availability and terms of provision of related services, such as lending, guarantee services, for example, during tender work.
The relevance of conducting “salary projects”in the bank(how profitable and convenient it will be, how widely represented is the ATM network and other questions)

Tip 2. Compare work schedules of potential partners

In cases where a number of banks meet the criteria for an organization to select a partner for cooperation in cash settlement services, an additional item may become bank work schedule.

This is especially worth paying attention to for companies that work with companies or divisions that have a time difference.

Tip 3. To save on banking costs, enter payment days into the company

If the company introduces payment days (from one to three per week), when all bills that have accumulated during this period of time will be paid, depending on the priority, then it will be possible to save a lot on the costs associated with paying each payment order.

Review of popular banks with tariffs for cash settlement services

5. We choose a bank with favorable tariffs for settlement and cash services - TOP-5 cash settlement banks for individual entrepreneurs and legal entities

As already mentioned, choosing a bank that you can trust to maintain your current account is a very important step, which depends on various factors. Besides keeping score, replenishment And cash withdrawals, transactions on non-cash transfers and payments, you can also get additional services from banks.

1) Sberbank

In the financial services market, Sberbank rightfully occupies a leading position in terms of coverage of needs as physical, so legal persons.

RKO bank is good for individual entrepreneurs and large corporations, since Sberbank can offer many favorable RKO tariffs and additional services. You can open a current account in this bank without even visiting a branch, remotely using the website, and it will be ready to accept payments.

The necessary documents can be submitted to the bank within 30 calendar days after opening such an account. The second and subsequent accounts can be opened using only the “ Sberbank Business Online ", for which there is also a mobile application, which is very convenient. There are also packaged service offerings for business accounts.

Sberbank has the country's largest network of offices and ATMs, provides round-the-clock support with an advisory center, works with foreign currencies, conducts “salary projects”, provides acquiring services, offers special conditions for deposits and lending for its clients and preferential programs. It is also possible to purchase equipment for business on lease. we wrote in our last article.

2) Tinkoff

A relatively young but rapidly growing bank. Legal entities are offered two tariffs: “ Simple" And " Advanced", with fairly low service tariffs. The bank holds various promotions to attract new customers, which makes servicing it quite profitable.

Related services are provided, such as Internet banking, SMS alert system, business lending, and others. It is also possible to open an account online through the website. At the end of the year, Tinkoff Bank clients receive a percentage of the balance amount credited to their account.

3) Bank Otkritie

Otkritie Bank offers its clients a full range of settlement and cash services. There is the possibility of online account reservation for its subsequent opening, a remote account management system, an advisory center, currency control, collection, additional lending services, insurance and other things.

The bank also offers HR consulting training programs aimed at improving the performance of employees and managers.

4) Alfabank

Cash settlement services for Alfa Bank clients are provided in both Russian and foreign currencies without restrictions on the number of accounts opened. All account transactions, including currency conversion services, can be carried out through the online client.

Alfa Bank has an extensive network of branches and provides settlement services throughout the country. You can enter into an additional agreement with the bank and receive a percentage of the balance of funds in the account. The bank provides additional services.

5) SKB-Bank

At SKB-Bank it is possible to reserve a current account online and conduct all account transactions remotely. The bank has an extensive network of branches and ATMs, extended operating hours ( 21 o'clock).

For legal entities and entrepreneurs, SKB can offer favorable rates, a wide variety of additional services, for example, preferential lending to employees and a “salary project,” as well as free issuance of a Visa Business bank card and even a free advertising campaign and discounts in the Affiliate program.

Tariffs for settlement and cash services in banks

This table shows the tariffs for cash settlement services of banks located in Moscow. In other regions, tariffs may differ, depending on the procedure for setting them by the bank.

Comparative table of the main tariffs of cash settlement services of banks

Bank	Opening an account, rub.	Service fee	External bank transfer	Depositing funds	Withdrawals	Bank-client
Sberbank	from 3 000	from 1 600	electronically from 32-52 rubles/payment, on paper from 300-350 rubles/payment	from 0.3-0.36% of the amount	from 0.6% (min. 150 rub.) per salary; from 1.4% (min. 150 rub.) for other needs	for free*; from 960 rub.
Tinkoff	for free	first 3 months (for individual entrepreneurs – 6 months from the date of registration) – free, then from 490 rubles.	the first 3-10 are free, then from 29-49 rubles/payment	free or from 1% of the amount	free up to 100,000 rubles, over – from 1.5-10% (min. 99 rubles)	for free
Opening	from 1 300	from 750-1700	from 0.5-1% (min. 27-30 rub.)	from 0.16% (min. 50 rub.)	from 0.4% for salary, 1-10% for other needs	from 1,250 rub.
Alfa Bank	from 3 300	from 2 20 – 6 900	online from 30 rubles/payment or from 0.1% on paper media	from 0.28-0.35% (min. 300 rub.)	from 0.5% (min. 300 rub.) for salary from 2.5-11% (min. 400 rub.) for other purposes	from 990-2200 rub.
SKB-Bank	from 0-1000	from 990-1 490	from 29 rub.	from 0-0.7%	from 1.3% on salary; from 1.6-11% for other needs	for free

*For clients who have a current account with this Bank.

From the data presented in the table, we can conclude that the most favorable conditions are currently provided by Tinkoff Bank, which does not charge for most standard services, however, do not forget that these are not the only indicators and a more in-depth analysis is required for a complete picture .

6. What documents are needed to open cash settlement services (individuals and legal entities)

To open a bank account, you will need to provide a standard package of documents.

Documents for opening a current account for an individual entrepreneur:

Passport;
OGRNIP.

Documents for opening a current account for legal entities (LLC, JSC, PJSC, etc.)

OGRN;
Charter;
Order on the appointment of the Director;
and other constituent documents of the legal entity.

7. Package cash settlement services for bank clients - review of the TOP 3 popular services

In order to reduce the costs of necessary settlement and cash services, most credit institutions provide clients (entrepreneurs) with the opportunity to connect to a packaged set of services. This is necessary when the use of cash registers is regular and requires significant financial investments from the company.

Such proposals can be divided into 2 (two) categories:

payment for the connection of the package makes it possible to carry out some frequently used operations free of charge;
preferential tariffs for basic cash settlement operations.

It is necessary to take into account the cost of the package itself to make sure that its connection will really reduce costs and protect you from unnecessary financial losses.

1) Service “Bank cards for legal entities”

For more convenient business and financial transactions, bank cards of a special business category can be issued. Such cards are linked to the organization's current account and are used only for the company's needs, which is very convenient, for example, for clients who often make transactions on the account while on business trips.

In addition to the main card, it is possible to issue additional cards that are linked to the same account, which is convenient for use by several employees at once. In addition, tariffs for servicing by card are usually lower than through an operator.

However, when calculating the benefits of using the card, tariffs must be taken into account for its issue and further servicing, which differ radically depending on the issuing bank.

2) “Self-collection” service

Self-collection is a service also designed to reduce the costs of businessmen for cash settlement services and allows you to deposit proceeds into a current account through ATM or terminal self-service. This allows the entrepreneur to get rid of unnecessary problems and cash costs associated with the collection and storage of cash.

For some operations there may be restrictions are imposed, which are related to the capabilities of the self-service terminal used.

Typically, rates for depositing cash this way are lower than through a cash desk, however, you need to remember that the bank sets minimum commission amounts and make sure that such collection is profitable.

3) Internet banking

One of the most important components of settlement and cash services today is the ability to work with accounts remotely, namely all kinds of bank clients . Most of the most necessary banking operations can be performed this way, as well as receiving payment documents and monitoring the status of the account.

As a rule, this service belongs to the basic services of cash settlement services and is inseparably present in every bank serving legal entities. The client has the right to refuse to use Internet banking, but can also easily activate it at any time.

Typically, a fee is charged for using remote access capabilities, but many banks are willing to provide the basic capabilities of this service free of charge.

Among the useful features of this service, one can directly note making payments from a current account and transfers to other persons . Work with documentation is also carried out, it is possible to obtain information about all actions with the account and its status in real time.

Online account transactions have a fairly high degree of protection and bank guarantees, so entrepreneurs do not have to worry about the safety of funds, but they have the right to connect additional protection services for a fee.

8. Advantages of settlement and cash services for entrepreneurs

RKO is a comprehensive service necessary for running almost any business.

The positive aspects of cash settlement services for entrepreneurs are:

personal approach and specially selected tariff packages on the most favorable terms.
service by a personal manager;
real-time calculations.

This has a beneficial effect on the speed and smooth functioning of the organization. Most payments these days are made non-cash, and their fast and high-quality execution directly affects the company’s profit.

The more services a bank can offer, the more attractive it is for entrepreneurs.

Today, RKO boasts a wide range of:

opening and maintaining a current account;
transfers, both within the bank and to other banks, to the accounts of legal entities or individuals and various payments;
depositing cash into an account;
online banking, mobile applications and SMS notification system;
any currency transactions, including their purchase, sale and exchange.
the ability to make payments using a scanned copy of the invoice;
constant availability of online monetary transactions for clients within the bank;
individual approach, depending on the specifics of the client’s organization. For example, if a company often works in the international market, the cost and speed of obtaining a transaction passport will be of great importance.

When a company primarily works with cash, the most important point of cooperation on cash settlement services for it will be the minimum commission for depositing funds into a current account. And for beginning businessmen, the first place will be the commission for opening and maintaining an account.

9. Frequently asked questions (FAQ) about cash register services

Let's try to answer in detail the questions that come to the editor of the site.

Question 1. Are cash register customer service and cash register maintenance the same thing?

Cash service- this is the making of settlements and other financial transactions on the accounts of individuals and legal entities.

RKO is a banking services system that allows you to service accounts physical And legal persons, carry out transactions of debiting and crediting funds in national and foreign currencies.

To use such services, the bank client must provide the necessary documents, enter into an appropriate agreement with the bank and meet the requirements of current legislation and internal bank regulations.

Cash service is the bank's service to its clients. This service has nothing in common with cash register maintenance, in which the object is the cash register itself, and the service is provided by the bank’s technical staff or a third-party organization for servicing the equipment.

Question 2. How to choose the best bank for small businesses using cash settlement services?

More than 600 Russian banks are ready to offer their services to small businesses, having fundamentally different conditions for their provision and tariffs. In order not to get confused in all this diversity, it is important to determine for your company the most important cash and cash management operations that are being carried out or planned in the next six months.

Among the criteria for choosing a partner bank are the following:

The main currency with which the company operates. Does the bank work with it, what conditions does it provide for transfers, currency exchange, is there a currency control service (for those who work on the import and export of goods and services and often pay with foreign partners), as well as the availability of an online currency exchange service at any time? time, which will help protect your accounts from financial losses.
Availability and amount of commission for maintaining a current account, connection to the online banking system, cost of transfers. It will be more convenient for beginning entrepreneurs if for some time (usually three to six months) after opening an account, no commission will be charged for its maintenance in the event of no transactions on the account.
Cash transactions. Issuing cash and depositing it into an account is subject to an additional commission, which must be taken into account when calculating the profitability of the tariff.

Having decided on the main operations and having studied the offers of various banks, you need to calculate the approximate costs of RKO which will be required monthly. It is important not to forget one-time commissions, which are charged at a time when opening an account, connecting to a remote control system, issuing an electronic key, and so on.

In addition to the cost of service, other issues should influence the choice of bank, such as:

How quickly does it take to open an account (is there an online reservation option)? If you can open an account online, you can immediately receive details with which you can work, and bring the documents to the bank later.
What is the bank's credit rating? Due to the increased revocation of licenses from banks in recent years, this indicator is especially relevant. After all, even short-term downtime due to the freezing of accounts can lead to loss of profit and other financial difficulties.
E Are there bank branches in the city where the company operates? The lack of branches may lead to difficulties associated with the speed of decision-making and transactions.

10. Conclusion + video on the topic

So, do without cash management services these days impossible, however, the advantages of using such a service are obvious. Cashless payments make our lives easier and more convenient.

Despite the fact that RKO entails additional expenses, it significantly saves our time. Any transactions with your current account can be performed online and even through mobile phone.

It is also possible to open an account using online resources, without visiting a bank branch. In a competitive environment, banks are doing everything possible to attract as many customers as possible.

Now we know how to correctly evaluate a bank regarding the profitability of cooperation with it on cash settlement services, and having data on the five main banks we can easily navigate the modern market and make the right choice.

In conclusion, we suggest watching a video about cash management services for legal entities:

And also a video about cash settlement services at Alfa-Bank - an overview of tariffs and benefits of cash settlement services:

We wish you to successfully find your financial partner, cooperation with whom will not only give you confidence and reliability, but will also have a positive impact on the activities of your organization as a whole.

Dear readers of the magazine “RichPro.ru”, we will be grateful if you share your comments, experiences and wishes on the topic of publication in the comments below.

The main activity of any bank is settlement and cash services for individuals and individual entrepreneurs. The range of services includes the following procedures with financial flows:

registration;
storage;
moving;
recalculation;
collection;
accounting

An agreement is concluded with the client, after which an account is opened, through which financial transactions will be carried out in the future. Depending on the type of currency and the specifics of the business activity, the number of open accounts may vary.

Legal entities and individuals are offered various packages of banking products. Some of the services may be provided free of charge. Tariffs for paid services are strictly regulated by state legislation, the requirements of which are mandatory for all commercial banks.

In the process of creating an agreement, the parties can make certain requirements and additions to the terms. Failure to comply with the rules of the agreement is punishable by penalties in the form of penalties, the amount of which is also controlled by legislative bodies. The main responsibility of a financial organization is to ensure the prompt and uninterrupted movement of client funds with a high level of security during all procedures.

Legal regulation of settlement and cash services

Maintaining a foreign or ruble account includes a large list of operations. Legal regulation in the field of banking allows the population to safely store, use and place their own savings or profits from operational commercial activities, as well as receive interest on deposits.

The work of banks in the field of cash settlement services is controlled by the following standards:

federal legislation;
Civil Code of the Russian Federation;
regulations of the Central Bank of the Russian Federation.

The main regulatory mechanism is the agreement concluded between the parties. Any commercial company can use the services of a banking organization. Individual entrepreneurs independently choose a financial institution to receive cash settlements.

Opening an account is a necessary measure for access to the main package of banking services, which allows you to create a competent approach to conducting operational commercial activities. State legislation regulates the following obligations to the client:

storage of funds;
crediting of received amounts;
transferring money to the accounts of other citizens.

The contract may specify specific features, rights and obligations of the parties.

Settlement and cash services for legal entities

RKO for legal entities is a range of services aimed at meeting the needs of enterprises and organizations. This area of activity ensures prompt and uninterrupted cash flow.

An important feature of cash settlement services for legal entities is access to foreign exchange transactions, which can be carried out with three accounts:

transit;
current;
an account for purchasing currency on the national market.

Foreign exchange services include:

purchase and sale (on behalf of the organization);
sale of currency received from the operational activities of the enterprise (a specific part, the size of which is regulated by state legislation);
conversions;
regulation of export and import transactions.

An important part of the work in this area is conducting cash transactions. The financial organization provides not only basic (reception, issuance, accounting), but also additional services (recalculation, collection, acquiring on the Internet).

Settlement and cash services for individuals

Working with individuals is a separate area of activity for banks. The prospects of this direction lie in a fairly large audience of clients. The following services are provided to the population:

closing and opening an account;
accrual of interest on the cash balance (conditions are described in the terms of the agreement);
issuing cash at the cash desk of the service branch;
issuance of interest on deposits;
making money transfers;
translation on behalf of;
carrying out transactions by proxy;
creation and issuance of certificates on transactions performed;
accepting funds to pay for housing and communal services, taxes, insurance and fines.

Citizens are provided with a number of additional services that can be aimed at financial control and automation of payments to an individual. The contract specifies special rules and requirements at the request of the client.

Having a bank account allows an individual to:

receive a salary, pension or scholarship;
make payments for goods and services on the Internet;
withdraw cash from an ATM if you have a plastic card;
make payments to meet business needs;
contribute funds to local and state funds.

Modern Internet services play an important role in the functioning of the system for providing cash services to the population.

Cash settlement services for non-cash transactions

The RCL for non-cash transactions includes:

fast and safe execution of orders;
notification about withdrawal and receipt of funds;
creating account statements.

Each individual entrepreneur has the right to independently choose a range of services that will best satisfy the needs of commercial activity. Economic relations between a client and a financial organization are based on the creation of certain instructions and their timely execution.

Today, it is possible to create orders in real and virtual space. The latter method is more economical and comfortable, as it does not require personal presence in the department. Internet banking allows you to create orders and requests online, which significantly reduces the time for conducting transactions.

Settlement and cash services for foreign exchange transactions

Many companies have to interact with foreign partners in the process of realizing commercial goals. This state of affairs forces the constant use of euros or US dollars to regulate economic relations.

It is necessary to open three accounts at once when concluding an agreement with a financial organization in order to legally use the currency of another country. The current legal entity can transfer funds for further use and profit. The transit account is used to control and allocate the company's revenue. The third account is necessary to account for the foreign currency that was purchased on the national market.

According to the agreement, the bank can sell or purchase currency on the basis of a created order from a legal entity. In this case, each client undertakes to sell on the market part of the currency that was earned from international business activities. The financial institution assumes responsibility for conducting conversion operations. The use of funds in the process of implementing import and export transactions plays a major role in the structure of foreign exchange transactions.

Acquiring

Using the acquiring service, the client can completely get rid of cash. In retail outlets where special terminals are installed, it is possible to pay for goods, works and services using a bank credit card. This service is provided only by large financial institutions that have sufficient solvency to:

installation of special equipment;
regulating the legal features of activities in this area;
behavior of procedures for the use of plastic cards at retail outlets.

Acquiring operates not only in real, but also in virtual space. Citizens who have a plastic card from the acquiring bank can make payments online, receive reports on purchases made and fill out special forms for transactions. Internet acquiring involves the following procedure for conducting a financial transaction:

the company draws up an agreement with the bank;
the organization’s website contains information about the possibility of using a certain type of plastic card;
the client fills out a form to complete the transaction;
the bank monitors requests and satisfies them if the necessary conditions are met;
An application for shipment of goods is submitted.

In this case, the bank takes responsibility for verifying and tracking requests.

Internet acquiring

Internet acquiring is available to those enterprises whose activities meet the requirements of international payment systems. The following conditions are required to sign the contract:

evidence of authorized commercial activities;
type of business permitted on the Internet;
the presence of a properly designed virtual trading area.

The service is provided only to the websites of those companies that contain the necessary information about the goods and services sold.

An important role in the process of providing this service is played by processing centers that coordinate settlements on the Internet. All payments are processed automatically to ensure the functioning of e-commerce as a whole. Some banks have their own processing centers, but other financial institutions have to resort to the support of third-party partners.

Cash transactions

The main financial instrument when performing cash transactions is a checkbook, which is distinguished by its versatility and ease of use. It allows an individual entrepreneur to produce:

issuance of wages;
payment for production and economic needs;
settlements with suppliers of raw materials and goods.

Another equally important tool is the corporate card. Access to receiving it opens after creating a special account with a credit institution. Signing the agreement imposes the following obligations on the bank:

maintaining a register of financial transactions;
creation and issuance of statements;
informing the client about charges and balances.

The legal entity deposits cash at the cash desk, after which the employee issues a receipt order in a standardized form. After this, the money is credited, and the authorized employee draws up a report on the procedure performed.

For large companies, it is important to control cash. To meet this need, a collection procedure is used, which is available only after opening an account and signing an additional agreement.

State legislation strictly regulates the activities of the credit sector of the economy, and therefore establishes certain requirements for pricing in the field of banking services.

Settlement and cash services in Russian banks

In Russian banks, cash settlement services are provided on a paid basis. However, along with creating prices for services, credit institutions can work on developing a special package of free additional services. For example, Internet banking is freely available to all Russian citizens who have signed an agreement with a credit institution.

RKO in Russia is provided to individuals and legal entities. For each group of clients, the package of banking products may have significant differences.

All commercial banks operate only within the framework of the rules and regulations of current state legislation. Depending on solvency, credit institutions can constantly expand the range of their products in order to maximally satisfy the needs of the population.

If there is a decision from the tax authority to suspend all debit transactions on the current account, it is possible to:

transfer or issuance of funds for settlements of wages with persons working under an employment agreement (contract);
transfer of funds to pay taxes (advance payments), fees, insurance premiums, corresponding penalties and fines to the budget system of the Russian Federation.

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

The urgent transfer service allows you to make urgent ruble payments in the payment system of the 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. In this case, an additional commission for sending an urgent payment is charged only if there is an “URGENT” mark on the payment.

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, in detail 107, be sure to indicate the code of the customs authority that 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 of the loan agreement, payment period and other additional information that allows the payment to be identified.

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 (the number of the 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 transferring funds.”

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 have remained unchanged - information about the presence of VAT is required.
The correctness of VAT calculation is not the responsibility of the bank - 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 the new UFK account number 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 an administrative offense, or is indicated 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.
- The budget classification code (BCC) in detail “104” should not coincide with the Unique Accrual Identifier (UIN) code 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.

Cash settlement services are 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 the opportunity to manage your 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 the purchase of damaged banknotes of 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 the loan agreement with the Bank to the recipient’s account with a third-party credit institution in accordance with the intended purpose of the loan provided	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 For these 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.