Sberbank corporate card for IP. Application for a corporate card

The Sberbank corporate card is intended for legal entities that are serviced by the bank. It simplifies the procedure for employees to use the company's financial resources. Along with the salary card, the Business Card is an advanced banking product with extensive management capabilities. Its use is similar to a regular plastic card, the difference is that the purpose of the money is strictly targeted and the employee will have to account for their spending.

Registration takes place on one of the employees of the company, who gets access to corporate finance and can be used to pay only for business needs.

The management of the organization decides on the amount of transfer of funds, can put restrictions on spending, and also completely block the card. Card management is possible via the Internet system Sberbank Business Online. One organization can issue several cards, assigning each of them to a specific employee.

Sberbank corporate card for legal entities makes transparent all financial transactions that an employee performs. At the same time, for employees of firms, it allows you to receive funds in a short time, bypassing long procedures of documenting and approvals.

Product advantages:

prompt receipt and availability of funds for employees, which is especially useful when traveling to other regions or states;
control over the spending of funds by employees;
ample opportunities for the use of funds;
operational management and setting limits on amounts;
safety and security of funds, quick blocking in case of loss or theft;
high degree of protection;
additional discounts and reduced commissions;
credit and insurance coverage.

Registration procedure

The release procedure is as follows:

Filling out the application form for receipt at the branch (Form 11) or through the Sberbank Business Online system.
Setting limits.
Payment of the annual commission and receipt of the card.

To apply online:

Sign in.
Go to the "Corporate cards" section.
Click "Start Checkout".
Register a business account by creating and submitting an appropriate application.
After that, go to the "Corporate cards" section again and click "Application for issue".
Fill in all the data, including the cardholder.

After that, you will receive a notification from the bank about the result of processing the application and you can go to receive it. Recommended immediately define and limits on using the card. After its issuance, all management functionality will be available in the personal account of the system.

The bank employee can activate the card when issuing it, or the employee himself. The procedure occurs when the first operation is performed when entering a PIN code.

Terms of use

You can use a Business Card in the same way as a regular one:

withdraw money from an ATM;
pay for goods and services;
replenish an account;
transfer money to other employees of the company.

Corporate card cannot be used for private purposes, For all expenses, checks must be submitted to the accounting department.

Salaries or any social payments cannot be transferred to the card; there are special projects for these purposes. Also, it cannot be used in investment activities and to provide loans.

Using the card, you can pay abroad, make payments for the hotel and car rental. All foreign currency transactions are converted at the rate of the bank at the time they are made. With the help of corporate plastic, you can make purchases via the Internet, but this will require additional SMS confirmation.

Tariffs and additional services

At the moment, it is possible to issue a standard Visa or MasterCard card, or a budget Visa Business card. The latter is more suitable for IP and small businesses. Differences of this variant:

issued free of charge;
a limit of 300 thousand for withdrawal through an ATM and without restrictions when contacting a bank branch;
issuance and acceptance of money is made without commissions;
the history of the last 10 transactions is provided at the ATM free of charge.

On a regular card, commissions from 1% when withdrawing money and from 0.15% when depositing are provided, and the cost of service is 2500 rubles per year. But it provides opportunities that are not in the budget tariff:

cash withdrawal in offices and ATMs of other banks;
emergency issuance of money abroad;
SMS-informing on all transactions.

The bank has set cash withdrawal limits of 170,000 rubles per day and 5 million per month.

Within the framework of corporate card services, services are provided lending and insurance. According to the credit limit, there is a grace period for use and restrictions on the purpose of spending. You can only spend money on paying for goods and services, as well as on account maintenance fees. The insurance is valid worldwide, and registration will take no more than 15 minutes.

Insurance protection is offered in the amount of 20 thousand to one million rubles.

Insured events include theft of funds due to:

card theft with violence;
forgery of a signature or the plastic itself;
theft of personal data and security codes;
write-offs from the account by third parties;
payment for services or goods in excess of their cost.

Loss of the card is also insured in case of mechanical damage, degaussing, violent robbery and ATM malfunction.

If within 2 hours after the withdrawal you were attacked and the money was taken away, then you also have the right to count on insurance.

Accounting reporting when using a corporate card

When working with corporate cards, there are a number of nuances that an accountant and an entrepreneur should know:

Since the plastic belongs to the bank, the issuance is not displayed in any way in accounting.
Money received by an employee at an ATM is not carried through the cash desk of the enterprise. This moment causes controversy when the tax office tries to impose fines for violation of cash discipline. But according to judicial practice, such attempts do not find support, because in fact the money does not go to the cash desk, but directly to the employee.
The employee must account for the money spent, since all operations in this case are similar to the issuance of funds under the report. All relevant documents must be attached to the card.
In the absence of a report on the funds spent, the company has the right to withhold them from the salary. At the same time, it is necessary to have confirmation of the misappropriation of money and comply with the recovery procedure provided for by law.
Card transactions, regardless of whether it is credit or not, are carried out on account 71 “Settlements with accountable persons”. In this case, the banking commission is taken into account on account 91-2 “Other expenses”.

According to the rules for using a Business card, payments are not supposed to be made from it. wages. But in practice it can be done like this:

Withdraw money from an ATM.
Contribute to the cashier as unspent funds by writing an advance report in the form of AO-1.
Write out a receipt order and display the posting on accounts 50 and 71 in the accounting department.
Withdraw salaries from the cash register.

Bank corporate cards are a relatively new product for the Russian economic reality. Therefore, often in their use sometimes there are contradictions or violations. But in general, they help to simplify management activities and control over transactions, including by the bank and tax authorities.

Sberbank business card is an excellent solution for individual entrepreneurs and legal entities, designed to simplify financial transactions in the conduct of industrial, commercial and other activities. Visa and MasterCard Business is a special offer of a financial institution to corporate clients, allowing them to perform various settlement transactions.

Before you go to issue corporate plastic, you should figure out what it is, what are the tariffs and how to use the payment tool.

The possibilities of the described means for settlements and storage of money are aimed at assisting the owners of various types of business in managing the financial flows of enterprises.

A Visa or Mastercard of the Business type is linked to the current accounts of companies that are opened. One of the advantages of the product is the possibility of issuing a large, unlimited number of bank cards, which can be used by any authorized persons of the company. To whom and when to entrust the payment instrument, the head of the enterprise decides.

How to get a?

The main condition for those who wish to receive a plastic product is the availability of a current account. Every enterprise has it, however, it is required to register it in order to work with business cards. For this:

Go to Sberbank Online on the corporate page.
Enter account details.
Click on the icon “Make it an account for Business cards”.
Go to the "Products and Services" menu item.
It remains to activate the business card to launch the option.

Card design

Also online, you can issue a product for specific holders. Usually, LLC owners, individual entrepreneurs, etc. decide to order corporate plastic for those who work at the enterprise.

It is done like this:

Go to the "Holders" tab.
Click on "Add".
Fill out the form that pops up on the screen, entering the personal data of the employee into it.
Place an order for plastic by filling out a new form, indicating in it:

the account to which the payment instrument will be linked;
type of card, MasterCard or Visa;
the name of the holder or holders.

Sign the application for opening with an electronic signature and send it to the financial institution.
Waiting for a decision.

The status of your application will be reflected in the Applications tab. The finished card will be delivered to the Sberbank office, where the company's current account was opened.

Sberbank card business limits

There are 2 types of limits:

General. Depends on the rules in force at the enterprise.
Installed by the director or other responsible employee at the time of plastic registration.

The manager has the right to impose restrictions on the total volume of financial transactions carried out using the Business Card during the month, and on the daily limit. Cash withdrawals and non-cash transactions are normalized.

How is the limit set?

The easiest way to set a limit is by going to the company's personal page in the Sberbank Online service. Change of parameters is made in the "Maps" section. You need to enter the functionality of a certain payment instrument and set or change the conditions:

how much money can be withdrawn per month;
how much cash can be withdrawn per day;
non-cash transactions.

After setting the parameters, you need to click "OK", and the system will remember the changes.

Business Card Tariffs

The most important information that each user must first receive is the tariffs for using the payment instrument.

The Sberbank business card is activated automatically. The following tariffs are provided for the standard package of services:

replenish plastic - 0.3%;
no more than 100,000.00 rubles can be put on each card per day;
you can withdraw no more than 170,000.00 rubles per day;
withdrawal within a month - up to 5,000,000.00 rubles;
withdrawal in self-service machines of Sberbank - commission percentage 1.4%;
withdrawal in self-service machines of other institutions - commission 3%;
connection of SMS-informing - 60.00 rubles per month;
service during the 1st year of use - free of charge;
further cost per year - 2 500.00 rubles.

Sberbank offers several tariff plans for business owners:

How to use a Sberbank business card

The financial product created for corporate clients of Sberbank looks like a regular card. If desired, it is possible to order plastic with an original design.

A unique business proposal has some distinctive features:

Employees should always remember that the funds on the plastic of the type described do not belong to them, but to the enterprise. You should regularly report to the accounting department about what the debited money was spent on.
The procedure for using the card allows cash and non-cash payments.
Since the card is not a credit card, there is no commission for withdrawing cash within the limit, however, checks must be collected and submitted to the accounting department.
A business card will be especially useful on a business trip to pay for services and goods.
The described product is open for connecting the contactless payment function and SMS informing.

We can conclude that business plastic is a convenient tool for corporate use.

Cash withdrawal from Sberbank Business Card

The main thing that the described plastic gives is the ability to withdraw money and pay in stores and via the Internet.

Cash withdrawal in the self-service machine is carried out according to the standard scheme:

Insert the plastic into the card reader.
Enter your PIN.
Select the "Cash out" option.
Specify how much you want to withdraw.
You get the right amount.

Important: the owner of a plastic business can not only withdraw money from him, but also contribute.

Transfers to the card

A distinctive feature of the described Sberbank product is that you cannot send transfers online from another card to it. Even the owner of the enterprise is not endowed with such powers.

The user will not be able to withdraw money from business plastic to his own card, since transfers are not provided from it either.

The only way to replenish is to deposit funds to the current account, and then distribute them among employees' payment instruments.

SMS informing

The cardholder can independently activate the SMS-informing service. You can do this:

personally contacting the office of the institution;
by sending an application through Sberbank Business Online.

It is allowed to tie one phone to one plastic of the described type. If the number changes, the user must report this to Sberbank.

Power of attorney to receive a corporate card

If the cardholder cannot receive it at Sberbank, because he is abroad or for other reasons, persons authorized by him can pick up plastic at Sberbank.

To get a card at Sberbank for another person, you need to provide a passport and a special form of power of attorney provided for such cases.

The power of attorney can be notarized or written by the owner without notarization. It is important to indicate whether the applicant is only authorized to receive the card or has the right to operate with it. That is, the person giving the power of attorney must write whether it is possible to pay with a card and take cash from it to a trusted person.

Blocking and closing the card

If you need to close the Sberbank Business Card, closing is done at the branch, where you need to contact a specialist of the institution and write an application.

It is not the first year that companies use corporate cards for settlements with clients. Travel, entertainment expenses, expenses for household needs - all these amounts can be transferred to a separate account. A Sberbank corporate card is issued especially for authorized persons of the enterprise. What it is, you will learn from this article.

Payment instrument

The international plastic card on the front side, in addition to the bank logo and the name of the employee, also contains the company logo. At the choice of the company, the bank offers two types of plastics: Visa Business and MasterCard Business.

With the card you can:

pay at retail outlets;
withdraw money from ATMs of all countries of the world;
transfer funds to employees of the company.

Advantages

A Sberbank corporate card allows a company employee to:

do not spend your own funds on household needs, but receive an advance payment;
transfer cash in large amounts;
do not worry about the safety of money in case of loss of the card;
receive transfers from anywhere in the world;
book a hotel room, book a ticket on the airline's website online.

The Sberbank corporate card allows the head of the company to:

transfer funds to an employee for travel expenses without opening an account in foreign currency;
reduce operating costs;
control the turnover of funds on the account, analyze them in order to manage them in the future;
quickly increase spending limits if necessary;
reduce the cost of paying the bank commission for receiving cash.

Other Features

Sberbank corporate cards for legal entities can be used to pay for goods in online stores. Especially for these operations, the credit institution has developed a more efficient transaction processing mode. Each operation is carried out after the introduction of a one-time password. You can get it at the self-service terminal. You just need to insert a card and print a receipt with ten passwords.

How to apply?

First you need to contact the branch of Sberbank, which serves corporate clients. Open an account and deposit the initial balance depending on the conditions of the program. Next, you need to write an application to Sberbank (form 11) - "Obtaining corporate cards."

Cost control

When sending an employee on a business trip, the accounting department calculates the cost of hotel accommodation and tickets, and then issues the money under the report. After the trip, the employee provides checks, reporting on the expenditure of funds. The process is delayed even longer if you need to return the extra amount, or the results of the calculations will be incorrect. The accountant will have difficulties with paperwork. These problems will help to solve corporate cards of Sberbank for legal entities.

Abroad, this payment instrument has long been used to transfer transfers. Firstly, employees can receive funds from anywhere in the world, pay for services by bank transfer or withdraw money from an ATM. Even the conversion of funds into foreign currency will occur automatically.

Secondly, the accounting department receives a detailed report on the use of money. The Sberbank corporate card is convenient in that you can set a limit on each of them and change it if necessary. Expense management is made easier. The accountant can independently track the movement of funds for each card. There is no need for receipts with seals, recalculation or surcharges.

Thirdly, the employee will be able to transport large amounts of funds without fear for the safety of money. If the Sberbank corporate card is lost, just call the bank and block it. She is universal. In use, it is no different from a classic debit card. Therefore, in case of loss, you need to submit a new application for a Sberbank corporate card to the branch.

Let us consider in more detail the features of the use of plastic and the reflection of information in financial statements.

Informing the tax

When a Sberbank corporate card is issued for an individual entrepreneur or legal entity, a separate account is opened. The IFTS, FIU, FSS must be informed about this within 7 working days. Form No. C-09-1 is submitted to the tax office. It needs to be informed about the opening of an account, and not about the emergence of rights to KESP. Information is submitted to other state bodies in the form of an agreed form.

To one account, one main corporate card of Sberbank for individual entrepreneurs and legal entities and several additional ones can be issued. However, they can be issued to different employees. The release of each of them must be informed by government agencies. The corporate card of Sberbank is not displayed in the balance sheet of the enterprise. What is it and how to report? If the card is registered, then the bank simply issues a register of holders of payment instruments. There is no need to keep a separate ledger.

Registration of cash transactions

Accountants complain that when checking, inspectors fine the organization if the operation to withdraw money through an ATM is not documented in the cash book. Funds physically “do not fall into the cash register”. Accordingly, there is nothing to formalize such operations. The same point of view is supported by the courts, refusing to collect fines from inspections.

Advance reports have not been canceled

The funds that are on the bank card account do not belong to the employee, but he can spend them. So you have to account for expenses. You can use a unified report form or develop a separate one for the organization. The employee can attach invoices, cash and sales receipts to the memo. The accountant can check the correctness of the preparation of the advance report using bank statements that are sent monthly by a credit institution.

Accordingly, if the employee did not report for the money spent or sent the funds for other purposes, then they can be withheld from the salary. One order from the leadership is not enough to carry out such an operation. The amount of damage caused to the organization can be recovered if it does not exceed the average monthly earnings of this employee. But even if this is the case, then you need to take into account that the total amount of all deductions cannot be more than 20% of the salary per month. In this case, the calculations are carried out from the “net” salary remaining after the payment of personal income tax. Sometimes an employee voluntarily returns the missing amount to the cashier. You can protect the company and employee from such situations by setting limits on each operation.

More recently, most enterprises used check books for the convenience of doing business. These archaisms have been replaced by a more modern version - a Sberbank corporate card for legal entities.

The card was created to facilitate the processes of doing business, accounting for expenses and financing the working needs of employees

How to activate a payment instrument and how to use it correctly?

Purpose of the banking product

The card is issued for a specific person who uses the company's funds received on the balance sheet and reports for their use.

We list why you need a Sberbank corporate card:

payment for various services and goods for the company;
cashless payments;
payment of travel and representation expenses;
non-cash payment for various business needs of the company;
withdrawal of cash for the same purpose.

The card has a number of advantages for both individual entrepreneurs, legal entities and staff. For business owners, these are:

time savings in bookkeeping;
controlling the financial discipline of employees;
convenience of accounting;
control and organization results in cost savings for the company.

The issued plastic makes it much easier for workers in some aspects of their activities:

employees have access to money at any time;
there is no risk of transporting large sums of money;
there is no need to open a foreign currency account when traveling abroad - you can withdraw cash in any currency;
booking and paying for travel tickets and hotels;
there is no need for staff to raise their own money;
ease of blocking in case of loss of plastic;
ease of reporting on business trips and expenses to the accounting department.

The banking product is intended only for expenses related to the activities of the company

Rules for using a Sberbank corporate card

the cost of plastic production will not be reflected in the postings, since the product does not belong to the enterprise, but to the bank;
withdrawn money using plastic does not go through the cash register;
the employee is obliged to provide documents evidencing the funds spent: in their absence, the amount of the waste falls on the employee;
plastic is not intended for salaries or other social benefits.

Rates

The issuance of plastics for corporations is a free service, but the service itself is paid. Sberbank sets certain rates for a corporate card. Annual maintenance of MasterCard Business and Visa Business cards - 1200 rubles, and analogues in foreign currency - 50 euros or US dollars. This type of payment instrument will require an initial payment of twice the annual payment. For other plastics, the amount of the first installment is determined by the legal entity.

The "Budget" option provides for both free opening and maintenance. The annual payment for plastic "Corporate" is 250 rubles. for each holder.

Terms of use

To the main conditions for the production and operation of the product include:

whether the company has a business account;
compiling a register of employees using the product;
indication of limits and replenishment of the account.

How to get a corporate card in Sberbank

The order occurs at the initiative of the company with the establishment of certain limits

Before proceeding with the registration, the legal entity will need to contact the corporate customer service department to open an enterprise account. All issued cards are attached to this business account.

It is worth knowing that for any number of plastics you need only one account, and the owner of the enterprise determines the required amount of plastic. After that, the money is transferred as a down payment.

And then you need to apply for the issuance of cards in the right amount. This procedure can be carried out both in the branch itself, and apply through Internet banking. At the same time, the company sets the necessary limits on personnel plastics (the size of the limit is determined by the needs of the company) and submits this register to a banking institution. After that, the cards will be ready and you can get them in a few days at the branch.

How to use a Sberbank corporate card

When making plastic, the data of the user and the enterprise where he works are recorded on it.

To carry out all operations correctly, you need to know how to use similar payment instrument:

all funds on the balance of the card do not belong to its holder, but to the enterprise;
before using plastic for certain needs, the company’s account is replenished and the number of the plastic is indicated, to which the funds are transferred, and the purpose (purchase of materials, for settlement with counterparties, travel allowance, etc.);
settlement transactions occur both by bank transfer and by using cash after withdrawal;
to confirm the legitimacy of spending, the employee submits reports to the accounting department as checks from terminals on withdrawing funds and paying for goods.

Holders should remember that the funds on the card account are the property of the company

How to withdraw money

There is one limitation for withdrawing funds from the card - as an employee's salary or for other social needs. You can withdraw money from a Sberbank corporate card in cash at any ATM or terminal, both on the territory of the Russian Federation and abroad. When issuing funds, the bank withdraws a commission. The withdrawal procedure is reflected by debiting the entire amount with commissions from the current account of the enterprise. The employee must provide a document confirming the operation.

Sberbank is a financial institution offering a wide range of services for various categories of clients. Among the assortment, plastic cards are the most popular. Moreover, unlike most Russian banks, Sberbank offers plastic not only for individuals, but also for legal entities. Business card is a convenient tool for organizations. Let's see how to use this card.

What is a business card

Despite the fact that business plastic involves issuing a card for an organization, only an employee of this organization, that is, an individual, can be its owner. To receive it, you must fill out an application form at a branch of Sberbank or on the website.

Corporate card from Sberbank

Today in Sberbank you can get a Business Card of two types:

budgetary;
to a legal account.

Plastic for legal entities (Visa Business) allows you to perform the following types of operations:

pay at retail outlets according to the needs of the company;
transfer wages and other payments to employees of this organization,
withdraw cash from ATMs throughout Russia, as well as abroad.

Plastic for IP is a fairly new procedure, so not all banks have such convenient functionality.

Advantages

Sberbank corporate cards for legal entities have a number of advantages:

security of settlements when using large amounts of money;
unhindered receipt of cash during business trips abroad (the account is multi-currency, which means that the client can receive funds in any of the three currencies);
the Business Card has minimum commissions for various operations;
maximum discounts are set for using the card in organizations both in Russia and abroad;
the card allows you to pay for purchases on the Internet - online stores and trading platforms;
all transactions are carried out over a secure connection and are protected by a security code and password.

The number of passwords for one login is 10 pieces and can be obtained at any Sberbank ATM.

Thus, plastic does have a number of advantages.

A business card has a number of advantages, including minimal commissions for payments

The procedure for obtaining plastic

In order to receive a payment instrument, you must contact the bank office:

with plastic for legal entities, there is a department for legal entities. In this case, it is necessary to open a current account at the current rates and apply for a business card. The owners of such an account may be the heads of LLC, CJSC, OJSC, entrepreneurs, lawyers and notaries;
documents must be attached to the application for opening a card account, for example, in the case of an individual entrepreneur: a certificate of registration as an individual entrepreneur;
after submitting the application, you must contact the cashier, pay for the plastic service for the first year. Several cards can be opened for an organization;
at the last stage, an application is made for business plastic and access to the Sberbank Business Online system.

Since the card is personalized, and on the front side there will be an inscription with the name of the organization, it will be available only after 7-10 days.

For each account, a limit on debit transactions for an employee is determined. The form of limits must be signed by the management of the organization. Without fail, each payment instrument on the front side has the following details:

number;
validity;
the initials of the employee and the name of the enterprise.

Thus, the procedure for obtaining a business card is quite simple. Note that only an adult can become the owner. This requirement also applies to additional cards, but the maximum age of the owner is unlimited.

Applying for a card is possible through the website of Sberbank

How to use plastic

Since business plastic is a unique payment instrument, the procedure for using it is somewhat different from ordinary plastic cards. Let's take a look at some of the application details:

when using, the employee must remember that the funds in the account belong to the organization, and not to him, while the replenishment of the account is carried out by the accounting department, and each form for transferring money to an employee includes a card number, the purpose of using the funds and the main parameters of the account. Each employee must account for the funds used;
the expense can be made both in cash and non-cash;
the card is not a credit card, so there is no fee for cash withdrawals, but for any payment, the employee is required to keep the receipt in order to provide it to the accounting department. Based on these documents, the accounting department will draw up a report on the expenditure of funds;
Visa Business card is very convenient to use, because it allows you to avoid a lot of reporting. The client can have funds in any amount “at hand”, but there is no need to return the balance to the cashier and fill out extra paperwork, since the company “sees” all movements in the accounts;
the use of business plastic can significantly save time, for example, on a business trip when paying for goods or services. In addition, some organizations make a discount if payment is made by a business card;
contactless payment technologies can be connected to the account, as well as an SMS informant about the status of the account.

Thus, the card is a convenient tool for withdrawing money, paying various bills.

Paying with a business card saves employees from unnecessary paperwork

The main advantage of plastic is that it can be used not only in the Russian Federation, but also abroad.

Rates

Tariffs for a Sberbank corporate card depend not only on the number of connected services, but also on the type of plastic. Basic rates:

annual maintenance of any business card - from 2500 rubles;
free services: blocking by a call to the bank, scheduled reissue;
the card can be used in the field of trade, but the budget variety has a limit of 100,000 rubles;
the Budget card has a limit of 300,000 rubles, and the Business to Account card has a limit of 5 million rubles. per month. At the same time, the budget option provides more free services than the Business to Account card;
cash withdrawal is 1% when using a card to an account and 0% when using a budget type.

The card is automatically reissued every 3 years. In this case, the month indicated on the front side is the last month of validity. 3 weeks before its completion, a new payment instrument arrives at the branch where the service agreement was concluded. Old plastic is better to hand over to an employee.