Relay for monitoring the shutdown circuit RKO rocket and space defense military, space. Dictionary: Dictionary of abbreviations and abbreviations of the army and special services. Comp. A. A. Shchelokov. M.: AST Publishing House LLC, Geleos Publishing House CJSC, 2003. 318 p. RKO Russian... ... Dictionary of abbreviations and abbreviations

RKO- an abbreviation that has the following meanings: RKO rocket and space industry RKO rocket and space defense RKO Republic of the Comoros RKO cash settlement services RKO expense cash order RKO settlement cash department ... Wikipedia

RKO- radio control of the orbit, district utility department, rocket and space defense, settlement clearing operation, settlement clearing organization, shutdown circuit control relay... Dictionary of Russian abbreviations

Vecherko, Valentin Grigorievich- Wikipedia has articles about other people with the same surname, see Vecherko. Vintsuk (Valentin) Grigorievich Vecherko Belor. Vintsuk (Valantsin) Rygoravich Vyachorka ... Wikipedia

Vecherko, Frantisek Valentinovich- Check neutrality. There should be details on the talk page. Wikipedia has articles about other people with this surname, see Vecherko ... Wikipedia

Valentin Vecherko

Valentin Grigorievich Vecherko- Vintsuk (Valentin) Grigorievich Vecherko (Belorussian. Vintsuk (Valantsin) Ryhoravich Vyachorka) Belarusian politician and leader of the Belarusian Popular Front Party from 1999 to 2007. Valentin Vecherko was born on July 7, 1961 in Brest. Father was assistant to the First Secretary of the Communist... ... Wikipedia

Vecherko V. G.- Vintsuk (Valentin) Grigorievich Vecherko (Belorussian. Vintsuk (Valantsin) Ryhoravich Vyachorka) Belarusian politician and leader of the Belarusian Popular Front Party from 1999 to 2007. Valentin Vecherko was born on July 7, 1961 in Brest. Father was assistant to the First Secretary of the Communist... ... Wikipedia

Vecherko V.- Vintsuk (Valentin) Grigorievich Vecherko (Belorussian. Vintsuk (Valantsin) Ryhoravich Vyachorka) Belarusian politician and leader of the Belarusian Popular Front Party from 1999 to 2007. Valentin Vecherko was born on July 7, 1961 in Brest. Father was assistant to the First Secretary of the Communist... ... Wikipedia

Vecherko, Valentin- Vintsuk (Valentin) Grigorievich Vecherko (Belorussian. Vintsuk (Valantsin) Ryhoravich Vyachorka) Belarusian politician and leader of the Belarusian Popular Front Party from 1999 to 2007. Valentin Vecherko was born on July 7, 1961 in Brest. Father was assistant to the First Secretary of the Communist... ... Wikipedia

Vecherko Valentin Grigorievich- Vintsuk (Valentin) Grigorievich Vecherko (Belorussian. Vintsuk (Valantsin) Ryhoravich Vyachorka) Belarusian politician and leader of the Belarusian Popular Front Party from 1999 to 2007. Valentin Vecherko was born on July 7, 1961 in Brest. Father was assistant to the First Secretary of the Communist... ... Wikipedia

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:

1. payment order (when using a current account for payment), it is also called “form 0401060”;
2. form for depositing cash into a bank account;
3. 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:

1. payment for the connection of the package makes it possible to carry out some frequently used operations free of charge;
2. 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 customers. 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:

1. 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.
2. 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.
3. 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.

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.

17Jun

Hello! In this article we will talk about bank services that provide settlement and cash services for individual entrepreneurs, LLCs and even individuals.

Today you will learn:

1. What is included in RKO;
2. Who is it intended for and what problems does it solve?
3. How to choose a bank;
4. How to open a cash register service on your own.

What is cash management services?

Cash and settlement services for clients (or abbreviated RKO) is a system of services provided by the bank and. RKO regulates all monetary transactions, transfers of funds to business partners, suppliers, and receipt of settlements from clients.

RKO – a set of banking services for the storage and movement of funds of an enterprise.

The essence of cash settlement services is to conduct and carry out financial transactions on it. Unlike a current account, a current account allows its owner not only to store finances, but also to manage them to conduct commercial and non-commercial activities.

Each bank sets its own service rates.

After the client enters into a cash settlement agreement with a financial institution, the bank takes over all financial transactions of the customer.

These include:

• Non-cash and cash payments;
• Generating account statements.

RKO for individuals

It is customary to talk about settlement and cash services in the aisles of services for enterprises and businessmen; on bank websites, tariffs for cash settlement services are most often located in the “Legal Entities” section.

Therefore, it is widely believed that RKO is a service for enterprises. But theoretically, individuals can also act as consumers of cash settlement services. They can also enter into an agreement with the bank to use their personal account for non-commercial purposes. For example, for non-cash payment of utility bills.

For citizens, RKO implies the following functions:

• Account replenishment and cash withdrawal;
• Non-cash payments;
• Internet banking.

Often settlement services for individuals are paid by commission on specific transactions, but some banks offer separate tariffs, service packages from the “All Inclusive” area, for which a monthly subscription fee is set.

Document flow

A financial institution providing cash settlement services interacts with clients through certain documents.

The most common ones are:

• Payment orders for non-cash payment of bills;
• Forms for depositing cash into an account;
• Checkbook and checks, which are issued upon receipt of cash at the cash desk;
• Statements as a means of controlling expenses and receipts.

Legal regulation of RKO

In legal terms, the activities of cash settlement services are regulated by the Civil Code of the Russian Federation, the Federal Law “On Banks and Banking Activities” and various provisions of the Central Bank of Russia.

The relationship between the parties is governed by an agreement, the conclusion of which is a mandatory condition for the provision of the service.

Any legal entity or individual entrepreneur has the right to use RKO. In this case, the form of ownership and cash flow do not matter.

According to the law, each organization or entrepreneur can have as many current accounts as they need to carry out their work.

As part of the agreement with the client, the bank providing cash settlement services undertakes, at the consumer’s request, to credit his funds to the current account, store them, issue and make payments and money transfers.

In what cases should you use RKO services?

In any business you can’t do without RKO if you need:

• Transfer money to a non-cash account;
• Transfer of salaries by bank transfer;
• Withdrawing and receiving non-cash transfers;
• Receiving bank account statements.

Organizing settlement and cash services for an LLC or individual entrepreneur is a common procedure for most financial institutions. For the bank this is another source of income, and for the client company it is a simplification of financial transactions.

Advantages of RKO

Why enter into an agreement with a bank if you can store money in your safe and pay non-cash bills through a bank operator?

Cash settlement services in a bank would not be so popular if it did not have its advantages:

• Fast and accurate financial transactions;
• Operational service;
• Consultations of specialists;
• Providing up-to-date information about the account status and transactions performed;
• Guarantees from the bank regarding the confidentiality of commercial information and the safety of funds entrusted to it.

Thus, the bank is able to solve many problems in the financial life of an enterprise. RKO allows you to save time and sometimes money.

Components of RKO

Cash management services are not just about maintaining a current account. This is a whole range of services that banks provide to the best of their ability and at individual rates.

From the package of services offered by the bank, entrepreneurs can choose the most suitable moments at reasonable prices.

Cash transactions

Cash settlement services always include accepting cash from an entrepreneur. You can top up your current account in some banks only through a cash desk in the office, in others - through ATMs (with self-collection cards).

To withdraw cash from your account, there are two options:

1. Checkbook. It is issued at the bank, according to which the account holder can receive funds at the bank’s cash desk for employees or for other needs.
2. Corporate bank card. Allows you to receive cash through an ATM. At the same time, all transactions are also formalized and recorded by the bank.

For organizations with a large cash turnover, the bank can include collection services in the cash settlement package.

Transactions with non-cash funds

Within the framework of cash settlement services, the bank undertakes to carry out the client’s instructions regarding the movement of non-cash funds, timely provide information on cash receipts and outflows, and generate statements (information on the results of financial transactions).

A bank client can submit his instructions for carrying out monetary transactions in the classic way - with printed payments through an operator at the bank, or using Internet banking, which is becoming increasingly popular not only due to convenience, but also due to competitive tariffs (it is also more profitable for the bank to accept payment orders via the Internet and do not have a large office and a staff of tellers).

Acquiring

And – additional services that are part of the cash settlement system, allowing the company to accept non-cash payments from individuals (via bank cards).

This service is provided for a fee and, as a rule, the bank takes a certain commission for accepting non-cash payments.

For acquiring at a retail outlet, you will need to purchase or rent a special terminal (some banks provide it for free); in Internet acquiring, no additional equipment is required; it is replaced by an electronic form filled out by the buyer.

Currency operations

For companies planning to work not only with Russian rubles, but also with foreign currencies, banks include additional services in cash settlement services:

• Purchase and sale of currency;
• Sale of the obligatory part of foreign currency earnings;
• Conversion;
• Receiving payment in foreign currency from foreign clients;
• Payment of foreign currency bills.

A foreign exchange account consists of three accounts:

• To manage the available currency – a current account;
• To account for income – transit;
• To account for purchased currency.

How to open a cash settlement in a bank

Opening an account for cash register services is becoming easier every year. Today you can book a current account through the bank’s website and accept payments to it on the same day.

In total, the procedure for opening an account consists of several stages:

1. Selecting a bank;
2. Select a tariff (if there are several);
3. Collection and provision of documents;
4. Concluding an agreement, drawing up a card with signatures and a seal (if available).

Depending on the bank, the entire procedure may take 1-5 days.

Documentation

A list of documents required to open an account can be obtained from the financial institution. Banks have the right to establish their own procedure for servicing, opening an account and the form of documents.

Minimum package of documents:

• Statement of intent to open an account;
• Identity document (passport and quite often -);
• If available - or organization;
• Documents confirming the state registration of an organization or individual entrepreneur ().

For legal entities, other documents may be required.

For example:

• , certified by the seal of the tax service;
• Protocol on the establishment of the company and the appointment of a director;
• Documents for the legal address (, certificate of ownership);
• If available, a constituent agreement, licenses, if the type of activity is subject to mandatory licensing.

In which bank to open a cash settlement

Below is a list of banks and the benefits of working with them. The selection of banks was carried out by collecting reviews.

Tinkoff

This bank gained fame not so long ago, but now it is in a stage of active growth and development. Tinkoff does not hesitate to attract new customers through lucrative offers and promotions, inexpensive tariffs and delight its regular partners with new upgrades.

You can open an account at official website of the bank in 5 minutes.

The range of services is quite wide: lending, acquiring, Internet banking, SMS notification system, and so on.

• Monthly service – for individual entrepreneurs the first 3 months are free, then – from 490 rubles;
• Money transfers – from 29 rubles per payment, or unlimited payments for 990 rubles per month;
• Depositing funds into the account - depending on the tariff: 299 rubles for any amount or 0.25%, or unlimited deposit for 1990 rubles per month;
• Commission for cash withdrawal: up to 100,000 rubles – free, large amounts – from 1%.

Sberbank

Covers the widest range of banking services. Works with both individuals and legal entities.

You can open an account at official website of the bank.

Tariffs and additional services are designed for both large enterprises and beginning businessmen. In addition, the geographical area covered is wide.

Sberbank branches and its ATMs are located even in small towns and villages.

The Sberbank Business Online system allows you to maintain several current accounts at the same time, and it is convenient to manage it through a mobile application.

The Sberbank Advisory Center provides round-the-clock support to its clients.

• One-time payment for opening an account – from 1500 rubles;
• Money transfers: electronically – from 32 rubles per payment, on paper – from 300 rubles;
• Commission for cash withdrawal: for wages - from 0.6% of the amount, for other needs - from 1.4%.

Modulbank

This bank operates on the basis of Regional Credit, which has been known on the market for more than 20 years. It works only with representatives of small businesses, and accordingly offers services that are beneficial to them.

You can open it at official website of the bank in 5 minutes.

• One-time payment for opening an account – 0 rubles;
• Monthly maintenance – 0-3000 rubles;
• Money transfers: electronically – from 0 to 90 rubles per payment;
• Depositing funds into your account is free on most tariffs;
• Cash withdrawal fee – 0-15%.

Dot

A modern bank with a youthful spirit and first-class service, created on the basis of the well-known Otkritie Bank. Convenient online payments, round-the-clock transfers with a minimum commission. Each region has its own tariffs, so the cost of services may vary significantly.

You can open an account at official website of the bank in 5 minutes and start using it! This is great!

• One-time payment for opening an account – 0 rubles;
• Monthly maintenance – from 500 to 7500 rubles;
• Money transfers: for legal entities - depending on the tariff, from five payments free of charge, and then from 30 rubles per transfer; for individuals - free up to 500,000 for individual entrepreneurs and up to 70,000 for;
• Depositing funds into your account is free through Otkritie Bank ATMs;
• Commission for cash withdrawal is free up to the amount determined by the tariff (from 10,000 rubles).

Promsvyazbank

It is among the 500 largest global banks (according to The Banker magazine), in Russia it also occupies a leading position in terms of customer coverage, and is among the top 3 private banks.

• One-time payment for opening an account – from 590 rubles;
• Money transfers – 0-110 rubles, depending on the tariff;
• Depositing funds into the account – from 0.5% of the amount;
• Commission for cash withdrawal – from 0.2%.

More details at official website of the bank.

Alfa Bank

All services on a non-cash account can be carried out through the online account. You can hold several accounts at the same time, and in different currencies. The bank provides additional services (for example, lending) in full.

• One-time payment for opening an account – 0 rubles;
• Monthly maintenance – from 850 rubles;
• Money transfers: electronically - from 30 rubles per payment, on paper - from 0.1% of the amount;
• Depositing funds into the account – from 0.3% of the amount;
• Commission for cash withdrawal: for wages - from 0.5% of the amount, for other needs - from 2.5%.

You can open an account at Alfa-Bank official website.

Gazprombank

The bank provides services to key sectors of the domestic economy (oil, gas, energy, metallurgy, mechanical engineering, etc.). One of the largest banks not only in Russia, but also in Europe.

• Monthly maintenance – from 600 rubles;
• Money transfers: electronically – from 30 rubles per payment, on paper – from 200 rubles;
• Depositing funds into the account – from 0.02% of the amount;

Uralsib

The main direction of the bank is retail and corporate business. The head office is located in Moscow, 6 branches and 280 sales points have been established throughout the country.

• One-time payment for opening an account – 1800 rubles;
• Monthly maintenance – from 1000 rubles;
• Money transfers: electronically – from 10 rubles per payment, on paper – from 50 rubles;
• Depositing funds into the account – from 0.3% of the amount;
• Commission for cash withdrawal: for wages - from 0.5% of the amount, for other needs - from 1%.

Binbank

Opened 23 years ago, it continues to grow and develop actively. The bank puts trusting relationships with clients first and receives a lot of positive feedback in return.

• One-time payment for opening an account – 0 rubles;
• Monthly maintenance – from 1500 rubles;
• Money transfers: electronically – up to 0.3% (minimum 19 rubles), within the selected package there can be from 10 free transfers;
• Commission for cash withdrawal is 1%.

VTB

VTB is a group of financial enterprises that includes about 20 banks. The most famous of them is VTB24. The main shareholder of the bank is the state, which gives the bank additional reliability.

• One-time payment for opening an account – 1000-4500 rubles;
• Monthly maintenance – 1000-2500 rubles;
• Money transfers: electronically – from 5 rubles per payment, on paper – from 250 rubles;
• Depositing funds into an account – from 0.08% of the amount;
• Cash withdrawal fee – from 0.5% of the amount.

Details at VTB official website.

Vanguard

Once one of the most popular banks, it is now beginning to lose ground, unable to keep up with modernization. Suitable only for those clients who are used to doing everything the old fashioned way, without using a mobile bank and SMS alerts.

• Monthly maintenance – from 900 rubles;
• Money transfers: from 25 rubles per payment;
• Depositing funds into the account – from 0.3% of the amount;
• Cash withdrawal fee – from 1.2%.

Rosselkhozbank

The bank was established in 2000 for the agro-industrial sector and agriculture. Today it is a universal bank providing a wide range of services to private clients and businesses. One hundred percent of the voting shares of the enterprise belong to the state.

• One-time payment for opening an account – 2500 rubles;
• Monthly maintenance – from 750 rubles;
• Money transfers: electronically – from 6 rubles per payment, on paper – from 250 rubles;
• Depositing funds into the account - as agreed by the parties;
• Cash withdrawal fee depends on the region.

Rosbank

Founded in 1993, the head office is located in Moscow. It has the status of a universal bank and is part of the international financial group Societe Generale.

• One-time payment for opening an account – free of charge when registering via the Internet;
• Monthly maintenance is free for the first three months, then from 700 rubles;
• Money transfers: electronically – from 30 rubles per payment, on paper – from 250 rubles;
• Depositing funds into your account – no commission;
• Commission for cash withdrawal – from 1%.

Post Bank

Bank from the VTB group. Created on the basis of Leto Bank in 2016. The main goal of the bank is to increase the accessibility of financial services for residents of our country, especially the bank’s emphasis on pensioners. The bank currently provides settlement and cash services only to individuals.

• Issuing a bank card is free;
• Monthly maintenance is free;
• Money transfers: up to 0.8%;
• Depositing funds into your account – no commission;
• Cash withdrawal fee – no commission.

AK Bars

Registered in 1993. It provides more than a hundred different services to both private and corporate clients (including large enterprises in the field of oil and gas exports).

• One-time payment for opening an account – from 1000 rubles;
• Monthly service – 400 rubles using Internet banking and 1200 rubles without using it;
• Money transfers – from 50 rubles;
• Depositing funds into your account is free;
• Commission for cash withdrawals is on average 0.9%.

5 best banks for cash settlement services

From the entire list that you saw above, we settled on these four leaders in terms of price-quality ratio:

1. Dot;
2. Tinkoff;
3. Modulbank;
4. Promsvyazbank.
5. Loko Bank.

How to choose a bank

You need to be very careful when choosing a bank. A significant part of the company’s work process depends on the quality and cost of RKO.

For some companies, the speed of transactions is important - quick payment of bills and prompt arrival of funds. For others, speed is not as important as the low price, because when you have to perform many mandatory operations, a high commission can cause a significant blow to the budget.

What to pay attention to.

The bank must first of all be reliable. Every collaboration has its own risks. And if these risks exceed the benefits that the bank is able to offer, you should not take this option into account.

Bank reliability criteria can be:

• The bank's reputation among former clients, in the media and on the Internet. Of course, you won’t find negative reviews on the bank’s official website, but on other resources, such as business forums, the Banki.ru portal, and so on, you can find real reviews and expert opinions.
• Timing of monetary transactions. Some banks issue cash and make wire transfers on the day of application, while others only after 3-5 days.
• Geographical location and accessibility of the branch and ATMs, work schedule. Of course, today there are also Internet banks that do not have their own offices, but for some operations, especially when working with cash, an accessible branch is required.
• Wide range of services. It is much more convenient to perform all transactions in one bank. You need to make sure in advance whether the bank is ready to provide all the necessary services. For example, not all organizations make payments in foreign currency.
• Tariffs, commission amount. Some tariffs are beneficial for frequent non-cash payments, others for cash withdrawals.

A large bank does not always mean reliable. Even the whales of banking sometimes fall into debt and lose their license. At the same time, a little-known bank with a small number of branches can operate quite calmly and at the same time maintain a balance of its liabilities and assets.

An organization or individual entrepreneur choosing cash settlement services is not required to settle on one bank. If you don’t like something, or you receive a more advantageous offer, you can always close your current account, terminate the contract and enter into a new one with another bank. The law does not limit the number of current accounts per company, so you can cooperate with several banks at once.

Bank selection procedure.

Step 1. Selecting a list of required services.

To begin with, it is important to understand which of the cash register capabilities will be required in the company’s work. It is necessary to take into account the specific features of your activity.

How often will you need to make non-cash payments, accept incoming transfers, make collections or withdraw cash? The answer to these and similar questions will help you understand which lines in the tariff plans you should pay special attention to.

For example, a retail store may require acquiring and frequent deposits of cash into the account, while convenient and inexpensive Internet banking may be required.

Step 2: Prioritization.

Once the picture of the required RKO emerges, it is necessary to decisively and finally place emphasis. If you decide that you need a bank with a small commission for withdrawals, then do not deviate from your decision.

Sometimes banks lure customers with lucrative offers and additional services that are actually not that important.

Step 3. Selection of banks, review of tariffs.

Next, it is necessary to select several banks whose services best meet the previously identified requirements. From a huge number of organizations (and in Russia there are neither more nor less banks, but almost 800) you need to choose 2-3 that provide the services you are interested in at the best prices.

Step 4. Analysis of information about banks.

The package of services and tariffs suit you, but what about the geographical location, service, availability of ATMs and offices? At the final stage, we recommend studying as much as possible all available information, including customer reviews.

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.