What is the calculation? Or how much does RKO cost. Tochka Bank open a current account for LLC, IP How to open a bank account Russian standard

Online Reservation

Account without a visit to the bank

The procedure can be performed in two ways:

  • online (in the market place for business);
  • at the bank office (only if there is a branch in your city).

In the first case, the contract is concluded as follows:

  1. You choose the services you need.
  2. A representative of the bank contacts you and clarifies the details, agrees on the place and time of the meeting.
  3. At the appointed time, a service contract is signed.
  4. The bank specialist gives you access parameters to the remote banking system (RBS).

Otherwise:

  1. You yourself provide all the necessary documents to the department, write an application for connection to the service.
  2. Waiting for approval from the bank.
  3. You receive a signed agreement and parameters of access to Internet banking.

Documents for opening an account of an individual entrepreneur (IP)

  • certificate of tax registration;
  • passport;
  • extract from the EGRIP.

An application, a questionnaire, a card with signatures and seals will be filled in by a representative of the bank.

If more than 3 months have passed since the registration, it will be necessary to provide accounting documents(an extract from the tax office on the absence of debts, a certified declaration and / or accounting).

Documents for opening an account for a legal entity (LLC)

  • charter;
  • extract from the Unified State Register of Legal Entities, certificate of registration and registration;
  • card with signatures and seals;
  • passports of all persons indicated in the card;
  • documents confirming appointment to positions;
  • a lease agreement or certificate of ownership of the property where the activity is carried out.

If the contract is signed by proxy, you need the power of attorney itself and the passport of the responsible person.

After 3 months from the date of registration, accounting documents and reporting may be required (balance sheet, tax return, certificate from the tax office on the absence of debts, etc.).

Ratings

Forbes: Reliable Russian banks 2019 - 76th place

According to Markswebb Rank & Report.

Terms of settlement and cash services in Russian Standard Bank

Russian Standard offers entrepreneurs only a number of standard tariff plans no special packages.

The cost of opening a second and subsequent accounts

Standard rates for opening the first account in Russian Standard can be found in the table above. The second and subsequent accounts will cost 1700 rubles. for every.

For maintaining each open account, a monthly fee is charged - 800 rubles. (if the work with the account occurs through the remote banking system).

Currency account value

The commission for opening a foreign currency account does not differ from payment for a ruble account - 2000 rubles. for the first and 1700 r. for the next.

Maintaining - 800 rubles / month (for each open).

If there are no turnovers on the accounts, then the maintenance fee is not charged. If there are no turnovers for more than 12 months, a subscription fee of 1500 rubles / month is activated (but not more than the balance on the account).

Currency control

A fee of 0.12% (minimum 500 rubles, maximum 45,000 rubles) is charged for each control operation of currency transactions within the framework of a registered contract.

Acceptance of the contract for accounting - 1500 rubles.

If the transactions do not require registration of the contract, the bank charges 0.08% from each transfer / receipt (minimum 300 rubles, maximum 15,000 rubles).

Providing a control sheet - 300 rubles.

Extension of the operating day

After the end of a standard business day, customers can make an urgent transfer in the BESP system. The service will be paid based on a commission of 0.01% of the amount of each payment (but not less than 250 rubles, maximum - 1,000 rubles).

If the amount of the transfer exceeds 100 million rubles, then it is sent automatically in the BESP system with a corresponding commission charged.

Tariffs for individual bank cards

Especially for individual entrepreneurs who decide to withdraw funds from the account to a personal card.

The bank offers a wide range of cards for individuals, including:

  • virtual;
  • prepaid;
  • credit;
  • debit.

For example, the "Bank in your pocket Standard" card provides the following features:

  • up to 5% is credited to the balance and to a special savings account (on the card it is necessary to fulfill the conditions of the program - pay for purchases of at least 3000 rubles in the previous month, interest is accrued on the account in any case);
  • up to 15% cashback (maximum benefit when shopping in partner stores, in special categories - 5%, for other goods - 1%);
  • additional discounts under the special program "Discount Club" - up to 30%;
  • free withdrawal at ATMs of "Russian Standard" and "Binbank" (in the remaining 2%, but not less than 100 rubles);
  • SMS service (59 rubles / month).

The cost of servicing the card is 900 rubles / year, subject to special conditions, payment can be canceled in the second and subsequent reporting periods.

Corporate cards

Business cards are issued on general conditions for all new customers (TP K1). The terms of service are as follows:

  • Maintenance (including issue and reissue at the end of the validity period) - 1200 rubles / year.
  • Cash withdrawal in RSB self-service devices, as well as in ATMs of third-party banks and at points of issue - from 1.25% (minimum 175 rubles) to 5%, depending on the total amount of withdrawals per month (up to 500 thousand rubles - 1, 25%, 500 thousand-1 million rubles - 2.5%, 1-3 million rubles / month - 5%). There are limits on the amount of transactions during the day and at the end of the month.
  • Deposit - 0.15% (only through Russian Standard's own ATMs).
  • SMS notifications - 120 rubles / month for the first card, for the second and subsequent - 60 rubles / month (for each).

Tariffs can be changed only for existing customers within the tariff plans of TP K2 and TP K3.

Internet banking and RBS

Control checking account in Russian Standard is carried out using the Correqts product of the BSS LLC company.

The software implements the execution of all necessary functions online:

  • formation, signing and sending settlement documents, including bulk payments;
  • communication with technical support representatives;
  • exchange of electronic documents;
  • control of balances, statuses of payments and documents.

High security of using the RBS system is achieved through the use of:

  • hardware USB tokens with key certificates;
  • autonomous generators one-time passwords(EToken PASS).

The latter can be used without connecting to a PC, do not depend on the reception network of the mobile operator or the speed of Internet access.

To use RBS, you will need a PC with Windows 7 or higher operating system, as well as a modern browser.

The fee is charged only for hardware access keys (password generators), the use of the RBS system is free of charge.

There is no mobile app.

SMS-informing is provided only for corporate cards, the service is paid (depends on the number of connected cards and the RKO tariff).

Acquiring

Trade

Connection in 2 days online. Commission 1.8 - 2.5%. Purchase of the terminal 13.3 thousand rubles. (Verifone VX805), installment/rental available. Payment systems VISA, MasterCard, MIR, UnionPay, JCB, American Express, Diners Club, Golden Crown.

Internet

Payment systems VISA, MasterCard, MIR, UnionPay, JCB, American Express, Diners Club, Golden Crown.

Additional services

Payroll project

Temporarily suspended for new customers

Corporate cards

MasterCard Business 1200 rubles/year

How to open a current account at Tochka for IP, LLC

Thanks to high-tech service, in "Tochka Banke" opening an account IP, LLC takes a minimum of time. The sequence of actions in both cases is the same, only the packages of documents differ.

Step-by-step instruction how to open an account through Tochka Bank

Click on the button highlighted in yellow and follow the instructions:

  1. Enter your phone number on the site. Submit an application.
  2. Wait a bit - our employee will call you.
  3. The bank will check your documents extremely quickly - it will take up to several minutes. In this case, the account will be booked immediately. You will receive notification via SMS and email.

    Dear Entrepreneur! We have reviewed your application for opening an account with Tochka. Your business is clean and beautiful in terms of law, financial monitoring and security services. You are just great! Our manager will call you soon and tell you what to do next. Team Points 8 800 2000024

  4. Make an appointment with an employee in a convenient place and at a convenient time. Give him the original documents and sign the contract.

Documents required by Tochka to open an account

To open an account for an LLC, you need to provide:

  • certified, current charter of the organization with current changes;
  • decision, protocol on the appointment of the head;
  • personal data, TIN of the participants, whose share authorized capital exceeds 25%;
  • passport of the head, as well as other persons who can dispose of the organization's funds;
  • if the organization is a JSC - the register of shareholders;
  • if the organization is older than 3 months - a copy of the financial statements, tax return or an auditor's report on the annual report;
  • for licensed activities - licenses.

IN "Point" opening an account for IP requires collection of copies:

  • passports of the individual entrepreneur;
  • OGRNIP;

The bank employee will bring the application and questionnaire with them so that you can complete them.

Settlement and cash services and other services

open in Tochka Banke online cash desk- not the only thing that will help the development of your business.

We also offer acquiring, payroll projects, foreign exchange transactions, internet banking and mobile app for service.

Acquiring

Would you like to accept payment not only in the old fashioned way in cash, but also by bank cards? Then the proposed "Point Bank" acquiring.

The cost of the service is 2.3% of the annual turnover (or 975 rubles monthly). Select a portable or fixed terminal. It is not necessary to buy it. You can rent the device for a year - after that it will become your property.

The service allows online stores to accept payments remotely. The commission is only 3.5%.

Finally, offered in bank "Tochka" acquiring tariffs for mobile devices. For only 3490 rubles you will receive the LifePay application and card reader. This kit will turn your smartphone or tablet into a payment terminal with a commission of only 2.7%. Your customers will receive checks by email.

Payroll projects

Pay salaries to your employees on Tochka cards (commission only 0.55%) or Rocketbank (free of charge). The bank will also produce and deliver salary cards free of charge.

Money is credited within 5 minutes. You can withdraw them for free at any ATM.

Currency transactions

Do you cooperate with foreign partners? You do not have to meet with the manager separately and collect documents. You can through Bank "Tochka" open a special account for a currency based on an already existing settlement.

  • Exchange rates updated in real time.
  • Commission for conversion (spread) - only 30 kopecks.

Through the Internet bank, you can download and print a transaction passport with a blue seal for government agencies.

Want to save time? Book a personal assistant. He will draw up the paperwork, conduct an examination of the transaction, transfer money in the desired currency, and print out the transaction passport.

A personal assistant is not a controller. Therefore, if he discovers mistakes made during the preparation of the transaction, he will inform you about this and help you correct them.

  • Transfer in euros or US dollars - $25–30
  • Translation in Chinese yuan - $20.
  • Currency control- only 0.12–0.15% of the transfer amount (from 350 rubles).
  • Personal assistant services - 0.2–0.3% of the transaction amount (from 700 rubles).

Internet banking

Since we are presenting an Internet bank operating without a system of offices, remote service plays a key role.

Proposed in "Point Bank" Internet banking, personal account for the client - accessible, simple, mastered in a couple of minutes.

Mobile app

Would you like to generate payments according to the photo of the invoice? IN "Point Bank" personal account for legal entities - it is also a mobile application. Take a picture of the document on your smartphone camera - and the payment is ready.

There are versions of the application for Android, iOS, Windows.

The number of transactions performed daily at Russian Standard Bank is very large, as is the number of customers who have been cooperating with the bank for many years.

Moreover, every day the number of customers is increasing, and this fact cannot be ignored.

The fact that the bank is large gives it the opportunity to specialize in several types of activities at once, and quite successfully, and not only provide lending services to the population. The main types of specialization are:

  1. Settlement and cash services in Russian Standard for all clients.
  2. Acquiring.
  3. Opening the first and subsequent accounts and so on.

Also, the bank's management offers each client to use additional services that become available after registration and start using their account.

The strengths of the bank, which favorably distinguish it from other organizations

The main positive aspects of working with this financial and credit institution are:

  • Lightning-fast execution of all operations.
  • The ability to have constant access to your funds, thanks to a corporate card.
  • The optimal tariff for each client, selected individually. Therefore, both individual entrepreneurs and LLCs can open a current account in Russian Standard Bank.
  • Opportunity to conduct transactions on your accounts in each branch of the bank.
  • Opening an account in a different amount of money and value, both in rubles and in foreign currency.
  • Remote management of your accounts, income and expenses, and so on.

It is worth adding that the bank has a number of other advantages, which customers will be able to access immediately after signing the relevant agreement.

Please note that funds will not be charged if money turnover completely missing from the account. SMS informing about transactions and the possibility of using Internet banking is provided free of charge.

Tariffs for opening a bank account in an organization Russian Standard

In order to understand the essence of the bank's work, it is necessary, first of all, to familiarize yourself with the tariffs for cash settlement services in the Russian Standard, which are offered to customers. It is best to compare them in a table.

Service name

Amount of payment or commission

Note

Open your first account

Removed according to the opening date

RBS users, service rules

800 rubles / month (including incomplete)

Written off on the last working day

The cost of working with an account when using paper data

Monthly

Amount of money in case of no transactions

Not a turnover

Amount for non-working account

1 500 every month

Withdrawn from the account according to the contract

Close an account

for free

Translation Money to another bank

35 rubles for each operation

Commission for transfer to another bank (hard copy)

150 each transfer

Withdrawn on the day of the transaction

The percentage that is attributed to the amount of the cash balance

Payment occurs on the first business day of each month

Getting started with a checkbook

Cash delivery, collection, collection of collected funds

In accordance with individual agreement

VAT included

Payment of the money

Issuance of money to pay employees

Documents required to open your personal account

To be able to use all the services described above, a potential client of the bank will need to prepare documents for opening a current account in Russian Standard.

It is important to note here that for the physical and legal entity there is a different package of documents, so before you start collecting it, it is best to consult with a bank employee who will give answers to all questions and help deal with possible problems.

However, the most common documents included in this package are:

  1. Constituent documents officially confirming your activities.
  2. An extract taken from the Unified State Register of Legal Entities (it is important to note that the extract will be valid only for a month).
  3. Certificate of official registration of your enterprise, organization, and so on.
  4. Certificate of tax registration.
  5. Document proving that you are CEO or his official substitute.
  6. In some cases, a license may be required confirming your right to engage in this type of activity.
  7. Accounting statements for the last year.
  8. Additional documents depending on the situation.

The procedure for opening a current account - important points

In order to open a personal current account, you need to personally contact the bank, whose employee will provide you with a special application form, and also ask you to provide the above documents. Therefore, it is best to collect them in advance so as not to waste too much time.

An application for a current account in Russian Standard can be submitted through the official website of the bank, by going to which you will need to go to the appropriate section.

In this case, you should be prepared for the fact that after considering your application, you will be invited to the bank to sign the relevant documents.

Opening an account in this bank, you must understand that you are using the service of one of the largest financial and credit organizations in the country, which means that your business money is in safe hands. You don't have to worry that suddenly something might go wrong, or that the money might go in another direction.

Managing accounts opened in this bank is easy and very simple. For each client, a large number of different opportunities have been developed that you can use and run your business successfully.

One such option is Internet banking. That is, you can manage your accounts and regulate actions on them literally from anywhere in the world, simply using personal account on the bank's website.

RKO in Tochka Bank. Open an account

More about current account

  • Opening an account - free of charge in 10 minutes;
  • Service - from 0 rubles / month;
  • Free payments - up to 20 pieces / month.
  • Up to 7% on account balance;
  • Overdraft possible;
  • Internet banking - free of charge;
  • Mobile banking is free.
RKO in Raiffeisenbank. Open an account

More about current account

  • Opening an account - free of charge in 5 minutes;
  • Service - from 490 rubles / month;
  • Minimum commissions.
  • Decor salary cards- for free;
  • Overdraft possible;
  • Internet banking - free of charge;
  • Mobile banking is free.
RKO in Tinkoff Bank. Open an account

More about current account

  • Free account opening in 10 minutes;
  • First 2 months free service;
  • After 2 months from 490 rubles / month;
  • Up to 8% on the account balance;
  • Free accounting for individual entrepreneurs on Simplified;
  • Free internet banking;
  • Free mobile banking.
RKO in Sberbank. Open an account

More about current account

  • Opening r / s - 0 r.;
  • Service - from 0 rub./month;
  • Free "Sberbank Business Online";
  • Lots of additional services.

More about current account

  • 0 rub. opening an account;
  • 0 rub. Internet banking and mobile banking for account management;
  • 0 rub. issuance of a business card for depositing and withdrawing cash at any ATM;
  • 0 rub. the first deposit of cash into the account;
  • 0 rub. tax and budgetary payments, transfers to legal entities and individual entrepreneurs in Alfa-Bank;
  • 0 rub. service account if there is no turnover.
RKO in the Eastern Bank. Open an account

More about current account

  • Opening an account is free;
  • Reservation in 1 minute;
  • Internet banking and mobile application for free;
  • 3 months of service for free;
  • after 3 months from 490 rubles / month
RKO in LOKO Bank. Open an account

More about current account

  • Opening an account is free;
  • Reservation in 1 minute;
  • Service - from 0 rubles / month;
  • Cash withdrawal from 0.6%;
  • Free terminal for acquiring;
  • Internet banking and mobile application - free of charge.

 		RKO in MTS Bank. Open an account

More about current account

  • Cash withdrawal (up to 700 thousand rubles) - free of charge
  • Up to 5% on account balance
  • The cost of payment - from 0 rubles.
RKO in UBRIR Bank. Open an account

More about current account

  • Account maintenance - from 0 rub./month.
  • Acquiring connection - free of charge
  • Bonuses from partners
  • Interbank payments - from 0 rub./3 months
RKO in Bank Otkritie.

Unlike legal entities, individual entrepreneurs are not required to carry out their activities. The opportunity to choose is always pleasing, but in this case, you need to determine for yourself, without taking into account legislative norms, whether you need a current account or you can do without it.
Entrepreneurs can make all financial transactions in cash and non-cash form. Let's see what are the advantages of each of them.

Pros and cons of a checking account

There are several advantages to cash payments for an entrepreneur. First of all, there is no need to visit the bank and pay it for settlement and cash services (hereinafter referred to as RKO). In addition, in the absence of a bank account, no one will be able to demand from you the delivery of cash proceeds to the bank and enter (as is the case with legal entities). If you are only working with individuals, it is not possible to apply cash settlement restrictions.
But if you plan to make settlements with other individual entrepreneurs and legal entities, it is better to open an account. This is in all respects more convenient for counterparties - legal entities, and you will not narrow the circle of clients at the expense of those who work only for non-cash payment. In addition, cash settlements with legal entities are limited in the amount of 100,000 rubles, respectively, if you plan to conduct transactions for a large amount, you will have to figure out how to differentiate payments in order to fit into the current cash settlement limit.
In addition, a current account will relieve you of the need to install cash registers (if you do not intend to conduct both cash and non-cash payments), and at the same time provide full transparency of ongoing transactions. cash transactions thanks to the availability of bank documents. Well, you can’t write off such moments as the possibility of loss or theft of funds during their transportation and storage.
The disadvantages of working with a bank include additional expenses to pay for settlement and cash services and the need to visit a bank branch. Again, as mentioned above, setting cash limits also not in the hands of the entrepreneur. The cash balance limit is the maximum amount of cash that is located outside the current account. At the end of the day, the amount of cash available must not exceed the balance limit. Anything in excess of the norm is subject to delivery to the bank for crediting to the current account.
If you follow the letter of the law, the entrepreneur is not required to have a cash desk, and accordingly comply with the balance limit. The Rules approved by the Board of Directors of the Bank of Russia on December 19, 1997, Minutes No. 47, state that they are binding on the territorial offices of the Bank of Russia, cash settlement centers, credit institutions and their branches, including institutions of Sberbank, as well as organizations, enterprises and institutions (clause 1.2 of the Rules). Individual entrepreneurs are not named among the persons who are required to follow the norms of these documents. But banks often require individual entrepreneurs to comply with the cash balance limit. But there are more advantages to a checking account.

We study the conditions of banks

So, let's start with choosing a bank. Here are the main parameters that you need to pay attention to first of all:
- the cost of cash settlement services in the branch, including all possible payments: opening a current account, monthly maintenance, depositing cash into the account, withdrawing funds from the account, transferring funds to other accounts;
- Availability of the "Internet Client-Bank" system, the cost of its installation and monthly maintenance;
- fame and financial security selected bank;
- the location of its branches and ATMs close to you, as well as the presence of a developed branch network (if you make settlements with other regions);
- if many of your partners are served by the same bank, it will be more profitable to apply to the same bank (since intra-bank transfers are faster and cheaper than external ones).
We analyzed the cost of settlement and cash services in 17 commercial banks and found that the conditions for cash settlement services are divided into standard and "package" (when an individual entrepreneur is offered to receive a set of services for a fixed monthly fee, necessary for making payments through a current account).
Of the banks we have chosen, five offer these service packages: Alfa-Bank, VTB-24, Rosbank, TRUST, Societe Generale. The standard set of the package includes opening an account, its maintenance, connection of Internet banking and a reduced cost for cash transactions(withdrawal / crediting of money to the account). The cost of packages ranges from 600 rubles. (TRUST) up to 3400 rubles. per month (VTB-24). The average price is 1500 - 2000 rubles.
For entrepreneurs with large turnovers through a current account, package offers are more profitable than tariffs. And for those who do not plan to actively use an open account, it is better to take a closer look at the standard rates and choose the most suitable one for yourself.
Account opening cost: from 700 rub. ("Rosbank") up to 2000 rubles. (VTB 24). Half of the banks charge 1,000 rubles for opening a ruble account. But a foreign currency account will cost less - from 500 rubles. up to 1200 rub.
Monthly account maintenance: from 500 rub. ("Zenith") up to 2500 rubles. ("Russian standard"). For most banks, the cost of maintaining an account is lower than opening one and does not exceed 1,000 rubles.
Internet service: almost all banks offer customers to be served remotely and connect an Internet bank (hereinafter referred to as IB) or install the Bank-Client software. The latter will cost more, and there is no need for it if you do not have organized accounting and you are the only one doing the calculations.
In TRUST, "Rosbank" and "Bank of Moscow" banks, the installation of an Internet bank is free, only a monthly fee is charged from the client.
In other banks, the cost of connection ranges from 500 rubles. (VTB-24) up to 2000 rubles. ("Rosselkhozbank"). Differences in cost are due to the degree of protection of the information transmission channel and the provision of the EDS key.
You will have to pay from 300 rubles per month for using the Internet bank. (TRUST) up to 1000 rubles. ("Societe Generale"). "Absolut Bank" does not charge a monthly fee, only a one-time payment of 1500 rubles.
The cost of electronic payments in the Internet bank is an average of 22 rubles. per document - from 13 rubles. (TRUST) up to 35 rubles. ("Alfa Bank").
Cash deposit to account: this service is free only at Zenit Bank of the banks we studied, the rest charge a commission from 0.15 percent (VTB-24) to 0.36 percent (Nordea Bank).
Cash withdrawal from the account: the average commission is 1 percent, the maximum rate - in "Russian Standard" (2%), the minimum - in "Binbank" (0.5%).
Withdrawals to pay salaries and social benefits will be taxed at much lower rates.

Documents and account opening

So, having chosen a bank that suits you in terms of price and territorial parameters, check with the operator for a list required documents to open RS. Usually commercial banks are guided by the Instruction of the Central Bank of the Russian Federation of September 14, 2006 N 28-I and propose to collect the following package of documents:
certificate of state registration as an individual entrepreneur (with OGRNIP number) - a copy certified by a notary or a registration authority;
certificate of registration with the tax authority (with TIN IP) - a copy certified by a notary or tax authority;
passports of persons present at the opening of the account (entrepreneur or his representative acting by proxy, as well as persons whose signatures will be indicated in bank card with specimen signatures and seal imprint) or their notarized copies;
a receipt confirming the actual place of residence of the individual entrepreneur, if the registration address does not match the actual place of residence;
Rosstat information letter with statistics codes - you need to get it yourself from the Rosstat body if you do not have such a letter;
licenses (patents) for the right to carry out activities, if any.
Documents provided by the bank itself, which must be completed:
application for opening an account;
a card with sample signatures and an imprint of the IP seal;
remote service agreement.
Banks require clients to notarize documents when a current account is opened by a representative of an individual entrepreneur or persons other than the individual entrepreneur are indicated on the bank card. However, we still advise you to set aside time and appear in person at the office to submit documents. Because banks are reluctant to open an account without the personal presence of the business owner.
Having collected a package of documents, you need to go to the bank branch and transfer it to the legal entities service department. The operator will lead and help you fill out a card with sample signatures and a seal imprint. You, in his presence, sign on the back of the card, and put dashes in the blank lines. The bank employee will sign and affix the seal of the bank. Remember that according to this sample, your signature will be collated in the future on bank documents. Try to sign in such a way that later there will be no problems with identifying the signature. Banks are especially sensitive to signatures in a checkbook when issuing cash.
After payment for opening an account, the bank will open it within three to five working days. After opening a current account, you will be given a second copy of the agreement and a certificate of opening an account.
Almost all banks, when concluding an agreement on cash settlement services, offer to conclude an agreement on remote banking services via the Internet. To connect to this system, you must also receive a package of documents (contract and annexes) from the selected bank.
Within seven working days after opening an account, you must report this to tax office(clause 2, article 23 of the Tax Code of the Russian Federation). To do this, you need to fill out a special form N С-09-1 (it can be printed from the site nalog.ru). Once completed, bring it to the office of the tax authority. Give one copy to the tax officer, keep the second one for yourself. This copy must be stamped with the date of acceptance of the application. Keep your copy, as sometimes documents can get lost at the tax office.
If you do not have the opportunity to personally bring the form to the inspection, send it by mail - a valuable letter with a description of the attachment. It is important to take the letter to the post office before the end of the last day of the deadline. The time to deliver the letter to the inspection will no longer be taken into account. Most importantly, be sure to keep the inventory and mail receipt for sending, so that you can prove that you notified the tax office in a timely manner about opening an account.
It is necessary to meet the deadline, because the bank, regardless of whether you notify the tax office of the opening of the RS or not, will inform you about it. And you (in case of violation of the deadlines or failure to provide this information) will pay a fine of 5,000 rubles. (Article 118 of the Tax Code of the Russian Federation).
Note that this rule applies only to settlement accounts that are opened by entrepreneurs for doing business. About accounts opened for personal purposes, that is, not related to income generation, in tax authority no need to report.
Within the same seven days, the management must be notified of the opening of the account. pension fund RF. For violation of this rule in accordance with Part 1 of Art. 15.33 of the Code of Administrative Offenses of the Russian Federation, you can be fined 1000 - 2000 rubles. There is a recommended form of notification. UPFR accept only it.
If you have employees and are registered with the Social Security Fund, you must also notify him. The notification form is established by the Letter of the FSS of the Russian Federation dated December 28, 2009 N 02-10 / 05-13656.
When you start working with a current account, please note that all your payments will be monitored by the bank (because its duties include assessing the rationality of all transactions). Therefore, we advise you to make only reasonable payments, indicating the name of the payment in payment order. At the same time, if you transfer funds from your current account to a personal account, it is better to indicate as the name: "own funds", "transfer own funds" or "receiving income from individual entrepreneurs" so that the tax authority does not attribute these payments to the taxable base.

Russian Standard Bank JSC is one of the largest federal commercial banks in Russia, founded in 1999.

Its main activity is lending to the population and servicing business clients. The Bank provides a wide range of services to individuals and legal entities - from acquiring and overdraft to conversion transactions and international settlements.

Advantages of settlement and cash services in Russian Standard

Individual entrepreneurs, organizations and individuals engaged in private practice (for example, notaries) can open a settlement account in Russian and foreign currencies. In addition, clients receive a whole range of services that allow them to control the movement of funds on their account as comfortably and productively as possible.

The advantages of cooperation with Russian Standard Bank include:

  • receipt of account details on the day of submission of documents;
  • assigning a personal manager to the client;
  • favorable conditions for servicing the account;
  • filling out documents for opening a bank account with the help of a bank manager;
  • provision of a corporate card for the convenience of using the account;
  • security of payments made thanks to the one-time password generator eToken PASS;
  • use of a new generation Internet bank - Correqts corporate;
  • Possibility to apply online.

Business clients can additionally order other services, for example, connect acquiring or overdraft, open a deposit, increase sales by lending to clients, etc.

Tariffs for settlement services in Russian Standard

The conditions for servicing a current account for legal entities and private entrepreneurs are the same. A client can open several accounts in different currencies. Below are the tariffs for some services provided by the bank.

Name of banking service

The cost of the service provided by the bank

Registration of the first account in rubles or foreign currency

2 000 rubles

Opening subsequent accounts

1 700 rubles

Monthly r/s service when using the RBS system

800 rubles

Monthly account service when using paper media

5 000 rubles

Account maintenance in the absence of turnover

free of charge

Transfer of funds to budgetary and state structures

for free

Money transfer to third party bank when using the order hard copy

150 rubles for each operation

Transferring money to another bank using the RBS system

30 rubles for each operation

Making a checkbook

Issuance of cash from a payment account

from 0.5 to 10% of the transaction amount

Crediting and recalculating money to the account

from 0.15 to 0.25% of the transaction amount

Decor payment documents

100 rubles for each form

Calculation of interest on the balance of the account

at the rate provided by the bank for demand deposits

Closing account

free of charge

How to open a current account in Russian Standard for individual entrepreneurs and enterprises?

There are two ways to apply for a settlement account - by filling out an electronic request form on the bank's website or by contacting the nearest branch directly with some documents.

The easiest way is to submit an online application for a current account in Russian Standard, following the instructions below:

  1. go to the section "Settlement and cash services" on the official website of the bank;
  2. click "Apply" at the top of the page or fill in the form fields at the very bottom in the "Order a consultation" column;
  3. go to cart;
  4. read the terms of service and click "Checkout" again;
  5. fill in the fields electronic form applications, indicating information about the individual entrepreneur or organization, full name of the contact person and feedback methods;
  6. wait for the response of the personal manager;
  7. visit the bank office to transfer the documents necessary for the successful opening of a bank account to a specialist;
  8. sign an agreement with a bank representative.

Documentation for opening a current account in Russian Standard for LLC


For successful registration of a bank account in a bank, organizations and companies will need to provide a voluminous set of documentation, which includes:

  • extract from the Unified State Register of Legal Entities;
  • certificate of registration with the Federal Tax Service;
  • Articles of association;
  • memorandum of association;
  • protocol on the establishment of LLC;
  • licenses and patents (if any);
  • a card with sample signatures of all persons who have access to the account;
  • a letter with the address of the actual location of the organization's office;
  • a certificate from Rosstat of the Russian Federation;
  • a document confirming the election of the head;
  • passports of all officials of the organization with access to the account.

The full list depends on the tax status of the legal entity and the specifics of its activities. The list of documents for opening a bank account needs to be clarified with a bank employee directly at the office or by calling 8-800-200-6-203.

Documents for opening a current account in Russian Standard for individual entrepreneurs

Persons registered with the Federal Tax Service as individual entrepreneurs, undertake to provide the bank office with a minimum set of documentation:

  • certificate of registration and registration with the Federal Tax Service;
  • extract from USRIP;
  • passport;
  • a card with sample signatures of officials;
  • a certificate from Rosstat of the Russian Federation;
  • patents and licenses (if any).

A complete list can be clarified with an employee at a bank office or through a call center.

Reviews of RSC in Russian Standard

Veronica, Tula

When we opened our own business with a friend and registered an LLC, we decided to issue a current account in Russian Standard. Everything is simple with tariffs, service prices are adequate, and any questions are quickly resolved by a personal manager. Here are just a few troubles with the documents - the kit needed quite impressive.

Nikita, Penza

I have been a client of Russian Standard Bank for more than a year. I have my own small business, and the conditions settlement and cash services here I am most satisfied. When I opened a current account, I managed to avoid paperwork. From individual entrepreneurs, a minimum of documents is required, and the manager helped with filling out official forms right in the office. The service is excellent and prices are affordable. good bank for IP!

Gleb, Kazan

I’ll start right away with the advantages of Russian Standard Bank. Prompt opening of an account, excellent prices for its maintenance, high-quality round-the-clock support, convenient and modern Internet banking. I can also point out merchant acquiring– the terminals are inexpensive, and the installation took 2-3 days. Of course, without cons, too, can not do. I had to tinker with the documentation for opening an account, but this, as I understand it, is the case in any bank.

Are you about to open a checking account?

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